Jeep Wrangler 4xe Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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The average insurance rates for a Jeep Wrangler 4xe are $1,950 a year with full coverage. Comprehensive costs around $332, collision costs $756, and liability costs $624. Liability-only coverage costs as little as $710 a year, with high-risk coverage costing around $4,270. 16-year-old drivers cost the most to insure at $7,526 a year or more.
Average premium for full coverage: $1,950
Policy rates for type of insurance:
Prices are based on $500 deductible amounts, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different Wrangler 4xe trim levels.
Price Range Variability
For a driver in their 40's, Jeep Wrangler 4xe insurance rates go from the low end price of $710 for the bare minimum liability coverage to a much higher rate of $4,270 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than congested cities.
The price range example below illustrates how location helps determine auto insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code, instead of making a decision based on rate 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.
Additional Rate Information
The chart below details estimated Jeep Wrangler 4xe insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,114
- Drivers who choose higher $1,000 deductibles will pay about $246 annually
- The estimated price for a good driver age 40 using $500 deductibles is $1,950
- Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $2,436
- Drivers with multiple tickets or accidents could pay at least $4,270 or more
- Policy cost that insures a 16-year-old driver with full coverage can be $7,526 a year
Insurance rates for a Jeep Wrangler 4xe also range considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at least $2,300 to $3,300 additional every year, depending on your age. High-risk driver insurance can cost from 44% to 131% more than the average rate. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,800 per year on average, or $150 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $7,500 a year. View Rates by Age
Your home state makes a big difference in Jeep Wrangler 4xe insurance prices. A 40-year-old driver could pay as low as $1,400 a year in states like New Hampshire, Ohio, and Utah, or at least $2,630 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,762 | -$188 | -9.6% |
| Alaska | $1,494 | -$456 | -23.4% |
| Arizona | $1,616 | -$334 | -17.1% |
| Arkansas | $1,950 | -$0 | 0.0% |
| California | $2,226 | $276 | 14.2% |
| Colorado | $1,864 | -$86 | -4.4% |
| Connecticut | $2,004 | $54 | 2.8% |
| Delaware | $2,206 | $256 | 13.1% |
| Florida | $2,438 | $488 | 25.0% |
| Georgia | $1,802 | -$148 | -7.6% |
| Hawaii | $1,398 | -$552 | -28.3% |
| Idaho | $1,322 | -$628 | -32.2% |
| Illinois | $1,456 | -$494 | -25.3% |
| Indiana | $1,470 | -$480 | -24.6% |
| Iowa | $1,318 | -$632 | -32.4% |
| Kansas | $1,852 | -$98 | -5.0% |
| Kentucky | $2,660 | $710 | 36.4% |
| Louisiana | $2,888 | $938 | 48.1% |
| Maine | $1,206 | -$744 | -38.2% |
| Maryland | $1,610 | -$340 | -17.4% |
| Massachusetts | $1,558 | -$392 | -20.1% |
| Michigan | $3,386 | $1,436 | 73.6% |
| Minnesota | $1,632 | -$318 | -16.3% |
| Mississippi | $2,334 | $384 | 19.7% |
| Missouri | $1,732 | -$218 | -11.2% |
| Montana | $2,096 | $146 | 7.5% |
| Nebraska | $1,538 | -$412 | -21.1% |
| Nevada | $2,336 | $386 | 19.8% |
| New Hampshire | $1,404 | -$546 | -28.0% |
| New Jersey | $2,180 | $230 | 11.8% |
| New Mexico | $1,728 | -$222 | -11.4% |
| New York | $2,056 | $106 | 5.4% |
| North Carolina | $1,124 | -$826 | -42.4% |
| North Dakota | $1,594 | -$356 | -18.3% |
| Ohio | $1,346 | -$604 | -31.0% |
| Oklahoma | $2,002 | $52 | 2.7% |
| Oregon | $1,786 | -$164 | -8.4% |
| Pennsylvania | $1,862 | -$88 | -4.5% |
| Rhode Island | $2,602 | $652 | 33.4% |
| South Carolina | $1,768 | -$182 | -9.3% |
| South Dakota | $1,646 | -$304 | -15.6% |
| Tennessee | $1,708 | -$242 | -12.4% |
| Texas | $2,348 | $398 | 20.4% |
| Utah | $1,444 | -$506 | -25.9% |
| Vermont | $1,334 | -$616 | -31.6% |
| Virginia | $1,168 | -$782 | -40.1% |
| Washington | $1,506 | -$444 | -22.8% |
| West Virginia | $1,786 | -$164 | -8.4% |
| Wisconsin | $1,350 | -$600 | -30.8% |
| Wyoming | $1,736 | -$214 | -11.0% |
Opting for high physical damage deductibles could save up to $740 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $561 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out your exact price is to compare rates from multiple companies. Every company utilizes a different rate formula, and rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Wrangler 4xe | $344 | $774 | $598 | $1,954 |
| 2023 Jeep Wrangler 4xe | $332 | $756 | $624 | $1,950 |
| 2022 Jeep Wrangler 4xe | $320 | $724 | $644 | $1,926 |
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 Affordable Jeep Wrangler 4xe Insurance
Finding cheaper rates on insurance for a Jeep Wrangler 4xe not only requires having a good driving record, but also having a good credit score, not filing small claims, and taking advantage of discounts. Comparison shop once a year by getting quotes from direct companies, and also from your local independent and exclusive agents.
The next list is a brief review of the data that was covered in the charts and tables above.
- You may be able to save up to $240 per year simply by shopping early and online
- Insureds who may need increased levels of liability coverage will pay around $690 every year to go from a 30/60 limit to the 250/500 level
- Drivers age 20 and younger are charged the highest rates, as much as $627 each month if comprehensive and collision insurance is included
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $2,320 more every year to buy Jeep Wrangler 4xe insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,526 |
| 20 | $4,582 |
| 30 | $2,026 |
| 40 | $1,950 |
| 50 | $1,788 |
| 60 | $1,756 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,436 |
| $250 | $2,208 |
| $500 | $1,950 |
| $1,000 | $1,704 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,950 |
| 50/100 | $2,075 |
| 100/300 | $2,231 |
| 250/500 | $2,636 |
| 100 CSL | $2,137 |
| 300 CSL | $2,480 |
| 500 CSL | $2,730 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,728 |
| 20 | $7,308 |
| 30 | $4,348 |
| 40 | $4,270 |
| 50 | $4,080 |
| 60 | $4,046 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $103 |
| Multi-vehicle | $106 |
| Homeowner | $30 |
| 5-yr Accident Free | $146 |
| 5-yr Claim Free | $127 |
| Paid in Full/EFT | $89 |
| Advance Quote | $98 |
| Online Quote | $137 |
| Total Discounts | $836 |
Discounts are estimated and may not be available from every company or in every state.
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