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 prices for a Jeep Wrangler 4xe are $1,954 every 12 months including full coverage. Comprehensive insurance costs an estimated $344 a year, collision costs $774, and liability is estimated at $598. Liability-only coverage costs approximately $688 a year, with high-risk coverage costing $4,272 or more. 16-year-old drivers pay the most at $7,494 a year or more.
Average premium for full coverage: $1,954
Premium estimates broken down by type of coverage:
Full coverage includes $500 physical damage deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Wrangler 4xe trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Jeep Wrangler 4xe go from the cheapest price of $688 for just the minimum liability insurance to a high of $4,272 for a high-risk insurance policy.
Insurance Price Range by Location
Living in a larger city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than congested cities.
The diagram below illustrates how rural and urban location affects insurance prices.
These rate differences highlight why it is important to get quotes for a targeted area and their own driving history, 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 Analysis
The chart below breaks down estimated Jeep Wrangler 4xe insurance rates for other coverage scenarios.
- The best full coverage rate is $1,117
- Choosing higher $1,000 deductibles can save approximately $1,702 every year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,954
- Buying low $100 deductibles for comp and collision coverage costs an extra $500 annually
- Higher-risk drivers with multiple tickets or accidents could pay up to $4,272 or more
- An auto insurance policy to insure a 16-year-old driver can cost as much as $7,494 each year
Insurance prices for a Jeep Wrangler 4xe also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $760 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $538 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $1,800 annually on average, or $150 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $7,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying $2,300 to $3,200 extra annually, depending on your age. A high-risk auto insurance policy ranges from 43% to 131% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Jeep Wrangler 4xe insurance prices. A good driver about age 40 could pay as low as $1,500 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,790 on average in Louisiana, New York, and Michigan.
| 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% |
With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, so the prices will be substantially different.
| 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 Shop for More Affordable Jeep Wrangler 4xe Insurance
Finding better rates on insurance for a Jeep Wrangler 4xe takes being a safe and courteous driver, having good credit, refrain from filing small claims, and taking advantage of discounts. Set aside time to shop around at least every other year by quoting rates from direct car insurance companies, and also from local insurance agencies.
Below is a summary of the car insurance concepts raised in the charts and tables above.
- Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $2,320 more annually for auto insurance
- You may be able to save approximately $240 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $750 each year
- Insureds who want higher levels of liability will pay around $660 per year to raise limits from 30/60 bodily injury limits to a 250/500 level
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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