Jeep Wrangler 4xe Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance rates for a Jeep Wrangler 4xe are $1,954 a year including full coverage. Comprehensive costs an estimated $344, collision insurance costs $774, and liability is estimated at $598. A liability-only policy costs approximately $688 a year, and high-risk insurance costs around $4,272. Teen drivers cost the most to insure at up to $7,494 a year.

Average premium for full coverage: $1,954

Policy rates broken down by type of insurance:

Comprehensive $344
Collision $774
Liability $598

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Wrangler 4xe models.

Price Range Variability

For a driver around age 40, Jeep Wrangler 4xe insurance rates range from the low end price of $688 for just liability coverage to the much higher price of $4,272 for a high-risk insurance policy.

Liability Only $688
Full Coverage $1,954
High Risk $4,272

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $1,466
Small Cities $2,052
Large Cities $2,638

The examples above highlight why everyone should get quotes for a targeted area, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

The chart below breaks down average Jeep Wrangler 4xe insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $1,117
  • Choosing higher $1,000 deductibles can save approximately $252 every year
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,954
  • Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $2,454
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $4,272
  • Policy cost that insures a 16-year-old driver for full coverage can cost as much as $7,494 each year

View Chart as Image

Jeep Wrangler 4xe insurance cost comparison chart
Column chart showing Jeep Wrangler 4xe insurance rates range from $1,117 to $7,494 for full coverage

Car insurance rates for a Jeep Wrangler 4xe also range considerably based on the model of your Wrangler 4xe, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $2,300 to $3,200 extra every year, depending on your age. Jeep Wrangler 4xe insurance for high-risk drivers ranges from 43% to 131% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,800 annually on average, or $150 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $7,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Jeep Wrangler 4xe insurance prices. A good driver about age 40 could pay as low as $1,500 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,790 on average in Louisiana, New York, and Michigan.

Jeep Wrangler 4xe Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,768 -$186 -9.5%
Alaska $1,498 -$456 -23.3%
Arizona $1,620 -$334 -17.1%
Arkansas $1,954 -$0 0.0%
California $2,228 $274 14.0%
Colorado $1,866 -$88 -4.5%
Connecticut $2,008 $54 2.8%
Delaware $2,212 $258 13.2%
Florida $2,444 $490 25.1%
Georgia $1,806 -$148 -7.6%
Hawaii $1,404 -$550 -28.1%
Idaho $1,326 -$628 -32.1%
Illinois $1,458 -$496 -25.4%
Indiana $1,474 -$480 -24.6%
Iowa $1,320 -$634 -32.4%
Kansas $1,856 -$98 -5.0%
Kentucky $2,666 $712 36.4%
Louisiana $2,896 $942 48.2%
Maine $1,206 -$748 -38.3%
Maryland $1,612 -$342 -17.5%
Massachusetts $1,562 -$392 -20.1%
Michigan $3,392 $1,438 73.6%
Minnesota $1,636 -$318 -16.3%
Mississippi $2,340 $386 19.8%
Missouri $1,736 -$218 -11.2%
Montana $2,100 $146 7.5%
Nebraska $1,542 -$412 -21.1%
Nevada $2,340 $386 19.8%
New Hampshire $1,406 -$548 -28.0%
New Jersey $2,184 $230 11.8%
New Mexico $1,732 -$222 -11.4%
New York $2,060 $106 5.4%
North Carolina $1,126 -$828 -42.4%
North Dakota $1,600 -$354 -18.1%
Ohio $1,348 -$606 -31.0%
Oklahoma $2,006 $52 2.7%
Oregon $1,792 -$162 -8.3%
Pennsylvania $1,864 -$90 -4.6%
Rhode Island $2,608 $654 33.5%
South Carolina $1,772 -$182 -9.3%
South Dakota $1,650 -$304 -15.6%
Tennessee $1,712 -$242 -12.4%
Texas $2,352 $398 20.4%
Utah $1,444 -$510 -26.1%
Vermont $1,338 -$616 -31.5%
Virginia $1,170 -$784 -40.1%
Washington $1,510 -$444 -22.7%
West Virginia $1,792 -$162 -8.3%
Wisconsin $1,354 -$600 -30.7%
Wyoming $1,740 -$214 -11.0%

View Chart as Image

Jeep Wrangler 4xe insurance rates by U.S. city

Choosing high deductibles can save as much as $760 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $538 extra every 12 months. View Rates by Deductible or Liability Limit

Jeep Wrangler 4xe Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Jeep Wrangler 4xe $358 $780 $584 $1,960
2023 Jeep Wrangler 4xe $344 $774 $598 $1,954
2022 Jeep Wrangler 4xe $332 $756 $624 $1,950

Rates are averaged for all Jeep Wrangler 4xe models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find More Affordable Jeep Wrangler 4xe Insurance

Finding cheaper rates on insurance for a Jeep Wrangler 4xe takes being a good driver, having a positive credit history, paying for small claims out-of-pocket, and possibly higher deductibles. Shop around at least every other year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a summary of the car insurance concepts covered above.

  • Drivers considered higher risk who have multiple accidents or major violations could be charged and average of $2,320 more annually than a safer driver
  • You may be able to save approximately $240 per year just by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save approximately $750 each year
  • Insureds who want an increased level of liability coverage will pay about $660 per year to raise limits from a 30/60 limit to the 250/500 level

Rates by Driver Age

Jeep Wrangler 4xe Insurance Rates by Driver Age
Driver Age Premium
16 $7,494
20 $4,590
30 $2,032
40 $1,954
50 $1,792
60 $1,760

Full coverage, $500 deductibles

Rates by Deductible

Jeep Wrangler 4xe Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,454
$250 $2,220
$500 $1,954
$1,000 $1,702

Full coverage, driver age 40

Rates by Liability Limit

Jeep Wrangler 4xe Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,954
50/100 $2,074
100/300 $2,223
250/500 $2,612
100 CSL $2,133
300 CSL $2,462
500 CSL $2,702

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Wrangler 4xe Insurance Rates for High Risk Drivers
Age Premium
16 $10,686
20 $7,312
30 $4,356
40 $4,272
50 $4,082
60 $4,048

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $281

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $103
Multi-vehicle $105
Homeowner $29
5-yr Accident Free $147
5-yr Claim Free $127
Paid in Full/EFT $90
Advance Quote $99
Online Quote $137
Total Discounts $837
Rate after discounts $1,117

Discounts are estimated and may not be available from every company or in every state.

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