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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U.S. average insurance rates for a Jeep Wrangler 4xe are $1,954 a year including full coverage. Comprehensive insurance costs around $344, collision insurance costs $774, and liability costs around $598. Liability-only coverage costs as low as $688 a year, and high-risk coverage costs $4,272 or more. 16-year-old drivers pay the highest rates at up to $7,494 a year.
Average premium for full coverage: $1,954
Price estimates for individual coverage:
Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Wrangler 4xe models.
Price Range from Low to High
For a driver in their 40's, Jeep Wrangler 4xe insurance prices range from as low as $688 for just the minimum 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 the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than congested cities. The example below illustrates how location helps determine auto insurance rates.
The ranges above highlight why everyone should compare prices for a specific zip code and risk profile, 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.
Additional Rate Analysis
The chart below breaks down average Jeep Wrangler 4xe insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,117
- Using higher $1,000 deductibles will save about $252 every year
- The average rate for the average middle-age driver using $500 deductibles is $1,954
- Buying pricier low deductibles for physical damage coverage will cost an extra $500 every year
- Drivers with multiple tickets or accidents could pay at least $4,272
- The price for full coverage for a teen driver for full coverage can be $7,494 or more
Auto insurance prices for a Jeep Wrangler 4xe are also quite variable based on your driving record, the model of your Wrangler 4xe, and deductibles and policy limits.
A more mature driver with a good driving record and high deductibles may pay as little as $1,800 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $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 $1,500 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,790 on average in Michigan, New York, and Louisiana.
| 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 increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $538 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at least $2,300 to $3,200 in extra premium 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
| 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 the Best Cheap Jeep Wrangler 4xe Insurance
Getting lower rates on car insurance requires being a good driver, having good credit, being claim-free, and possibly raising deductibles. Invest time comparing rates at least once a year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The following list is a quick review of the primary concepts that were covered in the charts and tables above.
- You may be able to save up to $240 per year just by quoting online well ahead of the renewal date
- Higher risk drivers with a DUI or reckless driving violation pay on average $2,320 more every year than a safer driver
- Increasing physical damage deductibles can save around $750 each year
- Drivers age 16 to 20 are expensive to insure, possibly costing $625 a month if they have full coverage
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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