Jeep Wrangler 4xe Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Jeep Wrangler 4xe are $1,954 a year with full coverage. Comprehensive costs on average $344, collision insurance costs $774, and liability costs around $598. Buying just liability costs as low as $688 a year, and insurance for high-risk drivers costs around $4,272. 16-year-old drivers pay the highest rates at up to $7,494 a year.
Average premium for full coverage: $1,954
Price estimates by individual coverage:
Full coverage includes $500 deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Wrangler 4xe models.
Price Range from Low to High
For an average driver, Jeep Wrangler 4xe insurance prices range from the low end price of $688 for just liability insurance to the much higher price of $4,272 for coverage for higher-risk drivers.
Geographic Price Range
Where you live can have significant affects on auto insurance rates. Rural areas have lower incidents of collision claims than congested cities. The example below illustrates the effect of geographic area on car insurance rates.
The ranges above demonstrate why everyone should compare prices based on a specific location, instead of using 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.
More Rate Details
The chart below details average Jeep Wrangler 4xe insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,117
- Using higher $1,000 deductibles will save around $252 annually
- The estimated price for the average middle-age driver with $500 deductibles is $1,954
- Buying pricier low deductibles for physical damage coverage bumps up the cost to $2,454
- Drivers with multiple tickets or accidents could pay upwards of $4,272
- The price that insures a teen driver for full coverage may cost $7,494 or more
Insurance prices for a Jeep Wrangler 4xe are also quite variable based on the model of your Wrangler 4xe, your age and driving habits, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you may be forking out at a minimum $2,300 to $3,200 additional each year, depending on your age. Jeep Wrangler 4xe insurance for high-risk drivers can be as much as 43% to 131% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,800 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $7,400 a year. View Rates by Age
The state you live in has a huge impact on Jeep Wrangler 4xe insurance prices. A driver around age 40 might see prices as low as $1,400 a year in states like New Hampshire, Ohio, and Utah, or at least $2,640 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $760 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $538 more each year. View Rates by Deductible or Liability Limit
| 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
Getting lower rates on car insurance requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Comparison shop at least once a year by getting quotes from direct companies, and also from several local insurance agents.
The following is a summary of the primary concepts that were covered in the above illustrations.
- You may be able to save as much as $240 per year just by quoting online well ahead of the renewal date
- Higher risk drivers who have multiple accidents or major violations pay on average $2,320 more each year for Wrangler 4xe insurance
- Increasing physical damage deductibles can save approximately $750 each year
- Teens pay higher prices, costing up to $625 a month if comprehensive and collision insurance is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,454 |
| $250 | $2,220 |
| $500 | $1,954 |
| $1,000 | $1,702 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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