Jeep Wrangler 4xe Insurance Rates
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Michelle Robbins
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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 costs on average $332 each year, collision insurance costs $756, and liability insurance costs $624. A liability-only policy costs as little as $710 a year, and high-risk insurance costs around $4,270. 16-year-old 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 include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Wrangler 4xe models.
Price Range Variability
For the average driver, Jeep Wrangler 4xe insurance rates range from as cheap as $710 for just liability coverage to a high rate of $4,270 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates how location impacts car insurance rates.
The examples above highlight why all drivers should compare rates based on a specific location and their own personal driving habits, rather than relying 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.
Detailed Rate Analysis
The chart below breaks down average Jeep Wrangler 4xe insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,114
- Drivers who choose higher $1,000 deductibles will pay around $246 every year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,950
- Buying low deductibles for comprehensive and collision insurance will cost $2,436
- High risk drivers with multiple tickets or accidents could pay upwards of $4,270
- Policy cost with full coverage for a teen driver may cost $7,526 a year
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.
More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,800 per year on average, 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. Insurance for high-risk drivers can cost anywhere from 44% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $740 each year, whereas increasing liability limits 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 makes a big difference in Jeep Wrangler 4xe insurance rates. A 40-year-old driver could pay as low as $1,490 a year in states like Missouri, New Hampshire, and Vermont, or 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% |
| 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 the Right Jeep Wrangler 4xe Insurance
Finding cheaper rates on Jeep Wrangler 4xe insurance not only requires being a low-risk driver, but also having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around every year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The items below are a quick rundown of the coverage data touched on above.
- You may be able to save as much as $240 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $725 each year
- Teen drivers are expensive to insure, with premiums being up to $627 each month if comprehensive and collision insurance is included
- High-risk drivers with reckless driving or DUI convictions pay on average $2,320 more each year to insure their Wrangler 4xe
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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