Jeep Wrangler 4xe Insurance Rates

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Lower Your 2022 Jeep Wrangler 4xe Insurance Quotes in 2025

Want better auto insurance rates? Drivers have many options when trying to find the best price on Jeep Wrangler 4xe insurance. They can either waste time struggling with agents to get rate comparisons or utilize the internet to compare rates. There are both good and bad ways to compare auto insurance rates and you need to know the best way to get price quotes on a Jeep and obtain the best price po...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Mar 28, 2024

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The average auto insurance rates for a Jeep Wrangler 4xe are $1,954 annually including full coverage. Comprehensive insurance costs around $344, collision costs $774, and liability insurance costs $598. Liability-only insurance costs as little as $688 a year, with high-risk driver insurance costing $4,272 or more. Teens cost the most to insure at $7,494 a year or more.

Average premium for full coverage: $1,954

Policy rates for type of insurance:

Comprehensive $344
Collision $774
Liability $598

Prices include $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all Wrangler 4xe models.

Price Range Variability

For a 40-year-old driver, Jeep Wrangler 4xe insurance rates go from as cheap as $688 for a discount liability-only rate to the much higher price of $4,272 for a high-risk insurance policy.

Liability Only $688
Full Coverage $1,954
High Risk $4,272

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how your location can change auto insurance rates.

Rural Areas $1,466
Small Cities $2,052
Large Cities $2,638

The examples above highlight why everyone should compare rates for a specific zip code and their own personal driving habits, 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 additional coverage choices and driver risks.

  • The cheapest rate after discounts is $1,117
  • Drivers who choose higher $1,000 deductibles will pay about $252 every year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,954
  • Selecting pricier low deductibles for comprehensive and collision insurance costs an additional $500 a year
  • High risk drivers with serious driving violations could pay at least $4,272 or more
  • Policy cost with full coverage for a teen driver for full coverage can be $7,494 a year

View Chart as Image

Jeep Wrangler 4xe insurance cost comparison chart
Column chart showing full coverage Jeep Wrangler 4xe insurance prices range from $1,117 to $7,494

Auto insurance rates for a Jeep Wrangler 4xe also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

A more mature driver with a good driving record 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 much higher for teenagers, where even without any violations or accidents they will have to pay as much as $7,400 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 least $2,300 to $3,200 in extra premium every year, depending on your age. Jeep Wrangler 4xe insurance for high-risk drivers can cost anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $760 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $538 extra every year. 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 $1,500 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,790 on average in Michigan, New York, and Louisiana.

Jeep Wrangler 4xe Insurance Rates by State
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%

View Chart as Image

Jeep Wrangler 4xe insurance rates by U.S. city

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates from as many companies as possible. Every company calculates rates differently, and quoted rates will be varied between companies.

Jeep Wrangler 4xe Insurance Rates by Model Year
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 Buy the Right Jeep Wrangler 4xe Insurance

Finding cheaper rates on Jeep Wrangler 4xe insurance not only requires having a good driving record, but also having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to shop around at least every other year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a quick rundown of the car insurance concepts illustrated above.

  • High-risk drivers with reckless driving or DUI convictions may pay on average $2,320 more every year to buy Jeep Wrangler 4xe insurance
  • You may be able to save up to $240 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save up to $750 each year
  • Drivers who may need increased levels of liability coverage will pay approximately $660 per year to go from a 30/60 limit to higher 250/500 limits

Rates by Driver Age

Jeep Wrangler 4xe Insurance 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

Jeep Wrangler 4xe Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,454
$250 $2,220
$500 $1,954
$1,000 $1,702

Full coverage, driver age 40

Rates by Liability Limit

Jeep Wrangler 4xe Insurance Rates with Different Liability Limits
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

Jeep Wrangler 4xe Insurance 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.

SR-22 Surcharge $281

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
Rate after discounts $1,117

Discounts are estimated and may not be available from every company or in every state.

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