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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The average auto insurance rates for a Jeep Wrangler 4xe are $1,950 annually including full coverage. Comprehensive insurance costs on average $332, collision insurance costs $756, and liability costs around $624. A liability-only policy costs as low as $710 a year, and high-risk insurance costs $4,270 or more. Teen drivers cost the most to insure at up to $7,526 a year.
Average premium for full coverage: $1,950
Policy rates by type of insurance:
Prices are based on $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all Wrangler 4xe models.
Price Range Variability
For an average driver, Jeep Wrangler 4xe insurance rates range from as cheap as $710 for minimum levels of liability insurance to the much higher price of $4,270 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than larger metro areas. The example below illustrates the effect of geographic area on car insurance rates.
The examples above highlight why everyone should compare prices based on a specific location and their own personal driving habits, instead of using 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.
Additional Rate Details
The chart below breaks down average Jeep Wrangler 4xe insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,114
- Using higher $1,000 deductibles will save around $246 every year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,950
- Choosing pricier low deductibles for physical damage coverage costs an additional $486 every year
- Drivers with multiple violations and an at-fault accident could pay upwards of $4,270
- Policy cost with full coverage for a teen driver for full coverage may cost $7,526 or more
Car insurance rates for a Jeep Wrangler 4xe also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,800 a year, or $150 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $7,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $2,300 to $3,300 extra every year, depending on your age. Jeep Wrangler 4xe insurance for high-risk drivers can be as much as 44% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $740 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $561 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Jeep Wrangler 4xe insurance prices. A driver around age 40 might see rates as low as $1,490 a year in states like Missouri, New Hampshire, and Vermont, or as much as $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% |
| 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 Buy Affordable Jeep Wrangler 4xe Insurance
Finding cheaper rates on car insurance requires not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates every other policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following is a brief review of the ideas that were covered in the above illustrations.
- Teens are expensive to insure, with premiums being up to $627 each month if comprehensive and collision insurance is included
- Higher risk drivers with DUI or reckless driving convictions pay on average $2,320 more each year for Wrangler 4xe insurance
- Increasing comprehensive and collision deductibles could save up to $725 each year
- You may be able to save as much as $240 per year just by quoting online well ahead of the renewal date
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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