Jeep Wrangler 4xe Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance rates for a Jeep Wrangler 4xe are $1,954 a year for full coverage insurance. Comprehensive costs on average $344, collision insurance costs $774, and liability is estimated at $598. A liability-only policy costs approximately $688 a year, and high-risk insurance costs around $4,272. 16-year-old drivers cost the most to insure at up to $7,494 a year.

Average premium for full coverage: $1,954

Policy rates by type of insurance:

Comprehensive $344
Collision $774
Liability $598

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all Wrangler 4xe models.

Price Range Variability

For the average driver, Jeep Wrangler 4xe insurance rates range from as low as $688 for the bare minimum liability coverage to the much higher price of $4,272 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than congested cities. The example below illustrates how location impacts car insurance rates.

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

The examples above illustrate why everyone should get quotes based on a specific location 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 Information

The chart below illustrates average Jeep Wrangler 4xe insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $1,117
  • Choosing higher $1,000 deductibles can save around $252 each year
  • The average rate for a good driver age 40 with $500 deductibles is $1,954
  • Buying pricier low deductibles for comp and collision coverage will increase the cost to $2,454
  • Unlucky drivers with multiple tickets or accidents could pay upwards of $4,272
  • Policy cost for full coverage for a teen driver for full coverage may cost $7,494 each year

View Chart as Image

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

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

A more mature driver with no driving violations and high deductibles may pay as little as $1,800 annually on average, or $150 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $7,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Jeep Wrangler 4xe insurance prices. A good driver about age 40 could pay as low as $1,280 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,640 on average in Michigan, New York, and Florida.

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

Opting for high physical damage deductibles can save as much as $760 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $538 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $2,300 to $3,200 extra every year, depending on your age. Jeep Wrangler 4xe insurance for high-risk drivers ranges as much as 43% to 131% more than the average rate. View High Risk Driver Rates

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 Find the Best Jeep Wrangler 4xe Insurance

Finding cheaper rates on car insurance takes having a decent driving record, having above-average credit, being claim-free, and possibly raising deductibles. Spend time shopping around every time your policy renews by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a brief recap of the information touched on above.

  • It is possible to save as much as $240 per year just by quoting online well ahead of the renewal date
  • 16 to 18-year-old drivers are expensive to insure, possibly costing $625 each month if full coverage is included
  • Increasing comprehensive and collision deductibles can save around $750 each year
  • Higher risk drivers who tend to receive serious violations pay an average of $2,320 more each year than a driver with a clean driving record
  • Policyholders who require additional liability coverage will pay around $660 annually to raise limits from a 30/60 limit to 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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