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Jeep Wrangler Unlimited Rubicon 4WD 4-Dr Insurance Rates

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Estimated insurance prices for a Jeep Wrangler Unlimited Rubicon 4WD 4-Dr are $1,394 every 12 months for full coverage insurance. Comprehensive costs on average $326 each year, collision insurance costs $414, and liability insurance costs $454. Liability-only insurance costs as little as $538 a year, and high-risk driver insurance costs around $2,950. Teen drivers pay the most at up to $5,194 a year.

Annual premium for full coverage: $1,394

Premium estimates by individual coverage:

Comprehensive $326
Collision $414
Liability $454

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Jeep Wrangler Trim Level

For a 40-year-old driver, insurance rates for a Jeep Wrangler Unlimited Rubicon 4WD 4-Dr range from the cheapest price of $538 for minimum levels of liability insurance to a high rate of $2,950 for high-risk insurance.

Liability Only $538
Full Coverage $1,394
High Risk $2,950

Insurance Price Range by Location

Your location has a significant impact on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates how your location can change car insurance rates.

Rural Areas $1,046
Small Cities $1,464
Large Cities $1,882

These rate differences illustrate why all drivers should compare rates based on a specific location and their own driving history, rather than relying on price averages.

Use the form below to get rates for your location.

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

Companies with Cheap Jeep Wrangler Unlimited Rubicon 4WD 4-Dr Insurance

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Insurance prices for a Jeep Wrangler Unlimited Rubicon 4WD 4-Dr also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year of your Wrangler.

Choosing high deductibles could save up to $490 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $408 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,200 additional annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 129% more than average. View High Risk Driver Rates

Where you choose to live makes a big difference in Jeep Wrangler Unlimited Rubicon 4WD 4-Dr insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

With such a large range of rates, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, and rates will be substantially different.

View Chart as Image

Jeep Wrangler Unlimited Rubicon 4WD 4-Dr insurance cost comparison chart
Column chart showing Jeep Wrangler Unlimited Rubicon 4WD 4-Dr insurance prices range from $840 to $5,194 for full coverage

The chart estimates Jeep Wrangler Unlimited Rubicon 4WD 4-Dr insurance rates for various coverage choices and risks. The lowest rate with discounts is $840. Drivers who choose higher $1,000 deductibles will pay $1,224. The average rate for a 40-year-old male driver using $500 deductibles is $1,394. Using lower $100 deductibles for physical damage coverage can cost as much as $1,714. High risk drivers could be charged up to $2,950. The policy rate for full coverage insurance for a teen driver is $5,194.

Jeep Wrangler Unlimited Rubicon 4WD 4-Dr Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,260 -$134 -9.6%
Alaska $1,066 -$328 -23.5%
Arizona $1,156 -$238 -17.1%
Arkansas $1,394 -$0 0.0%
California $1,588 $194 13.9%
Colorado $1,330 -$64 -4.6%
Connecticut $1,430 $36 2.6%
Delaware $1,578 $184 13.2%
Florida $1,740 $346 24.8%
Georgia $1,286 -$108 -7.7%
Hawaii $998 -$396 -28.4%
Idaho $946 -$448 -32.1%
Illinois $1,038 -$356 -25.5%
Indiana $1,050 -$344 -24.7%
Iowa $942 -$452 -32.4%
Kansas $1,322 -$72 -5.2%
Kentucky $1,900 $506 36.3%
Louisiana $2,062 $668 47.9%
Maine $860 -$534 -38.3%
Maryland $1,150 -$244 -17.5%
Massachusetts $1,112 -$282 -20.2%
Michigan $2,420 $1,026 73.6%
Minnesota $1,166 -$228 -16.4%
Mississippi $1,670 $276 19.8%
Missouri $1,236 -$158 -11.3%
Montana $1,496 $102 7.3%
Nebraska $1,098 -$296 -21.2%
Nevada $1,670 $276 19.8%
New Hampshire $1,004 -$390 -28.0%
New Jersey $1,556 $162 11.6%
New Mexico $1,234 -$160 -11.5%
New York $1,466 $72 5.2%
North Carolina $802 -$592 -42.5%
North Dakota $1,142 -$252 -18.1%
Ohio $964 -$430 -30.8%
Oklahoma $1,430 $36 2.6%
Oregon $1,276 -$118 -8.5%
Pennsylvania $1,330 -$64 -4.6%
Rhode Island $1,860 $466 33.4%
South Carolina $1,262 -$132 -9.5%
South Dakota $1,176 -$218 -15.6%
Tennessee $1,220 -$174 -12.5%
Texas $1,680 $286 20.5%
Utah $1,032 -$362 -26.0%
Vermont $952 -$442 -31.7%
Virginia $834 -$560 -40.2%
Washington $1,076 -$318 -22.8%
West Virginia $1,278 -$116 -8.3%
Wisconsin $964 -$430 -30.8%
Wyoming $1,240 -$154 -11.0%

View Chart as Image

Jeep Wrangler Unlimited Rubicon 4WD 4-Dr insurance rates by U.S. city

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Rates by Driver Age

Jeep Wrangler Unlimited Rubicon 4WD 4-Dr Insurance Rates by Driver Age
Driver Age Premium
16 $5,194
20 $3,134
30 $1,442
40 $1,394
50 $1,270
60 $1,242

Full coverage, $500 deductibles

Rates by Deductible

Jeep Wrangler Unlimited Rubicon 4WD 4-Dr Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,714
$250 $1,568
$500 $1,394
$1,000 $1,224

Full coverage, driver age 40

Rates by Liability Limit

Jeep Wrangler Unlimited Rubicon 4WD 4-Dr Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,394
50/100 $1,485
100/300 $1,598
250/500 $1,893
100 CSL $1,530
300 CSL $1,780
500 CSL $1,962

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Wrangler Unlimited Rubicon 4WD 4-Dr Insurance Rates for High Risk Drivers
Age Premium
16 $7,354
20 $4,960
30 $3,006
40 $2,950
50 $2,812
60 $2,778

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 $178

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $69
Homeowner $21
5-yr Accident Free $91
5-yr Claim Free $86
Paid in Full/EFT $57
Advance Quote $62
Online Quote $96
Total Discounts $554
Rate after discounts $840

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

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