Jeep Wrangler 4xe Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated insurance rates for a Jeep Wrangler 4xe are $1,950 a year including full coverage. Comprehensive costs on average $332 a year, collision costs $756, and liability insurance costs around $624. Liability-only insurance costs as low as $710 a year, with high-risk driver insurance costing around $4,270. Teens pay the most at $7,526 a year or more.
Average premium for full coverage: $1,950
Premium estimates by type of coverage:
Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Wrangler 4xe trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Jeep Wrangler 4xe go from as low as $710 for a discount liability-only rate to a high of $4,270 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates how where you live affects car insurance rates.
These rate differences highlight why it is important to compare prices based on a specific location and risk profile, rather than relying on averaged prices.
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.
Rates by State, City, and Model
The chart below breaks down estimated Jeep Wrangler 4xe insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,114
- Using higher $1,000 deductibles will save around $1,704 every year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,950
- Selecting low $100 deductibles for physical damage coverage will increase the cost to $2,436
- Drivers with serious driving violations could pay upwards of $4,270 or more
- An auto insurance policy for full coverage for a teen driver may cost $7,526 or more
Insurance prices for a Jeep Wrangler 4xe also have a wide range based on your driving characteristics, the model of your Wrangler 4xe, and policy deductibles and limits.
Older drivers with no violations or accidents and high deductibles could pay as little as $1,800 a year, or $150 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $7,500 a year. View Rates by Age
Where you choose to live has a huge impact on Jeep Wrangler 4xe insurance rates. A driver around age 40 might see prices as low as $1,490 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,780 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $740 each year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $561 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at a minimum $2,300 to $3,300 additional annually, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 131% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company calculates prices differently, and prices will be substantially different from one company to the next.
| 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 More Affordable Jeep Wrangler 4xe Insurance
Finding better rates on Jeep Wrangler 4xe insurance requires being a low-risk driver, having a good credit history, refrain from filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop at least every other year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The items below are a summary of the car insurance concepts touched on in the above illustrations.
- High-risk drivers who have multiple accidents or major violations may pay on average $2,320 more each year to insure their Wrangler 4xe
- You may be able to save as much as $240 per year simply by quoting early and online
- Increasing policy deductibles can save around $725 each year
- Drivers who require more liability coverage will pay approximately $690 per year to increase from 30/60 bodily injury limits to 250/500 limits
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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