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 auto insurance rates for a Jeep Wrangler 4xe are $1,954 annually for full coverage insurance. Comprehensive insurance costs around $344, collision costs $774, and liability insurance costs around $598. A policy with just liability insurance costs as low as $688 a year, with coverage for high-risk drivers costing $4,272 or more. 16-year-old drivers pay the highest rates at $7,494 a year or more.
Average premium for full coverage: $1,954
Price estimates for individual coverage:
Full coverage includes $500 deductible amounts, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different Wrangler 4xe trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Jeep Wrangler 4xe insurance prices go from as cheap as $688 for a discount liability-only rate to a much higher rate of $4,272 for a policy for a high-risk driver.
Geographic Price Range
Where you live has a significant impact on car insurance rates. Areas with sparse population have fewer physical damage claims than congested cities.
The price range example below illustrates how rural and urban location affects auto insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare prices for a specific zip code 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.
Rates by State, City, and Model
The chart below illustrates estimated 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 each year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,954
- Buying more expensive low deductibles for physical damage coverage costs an additional $500 a year
- Drivers with multiple tickets or accidents could pay at least $4,272 or more
- The price with full coverage for a teen driver with full coverage can be $7,494 or more
Insurance prices for a Jeep Wrangler 4xe are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.
An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,800 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay as much as $7,400 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at least $2,300 to $3,200 extra each year, depending on your age. High-risk driver insurance can be anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $760 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $538 more per year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Jeep Wrangler 4xe insurance rates. A driver around age 40 might see prices 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.
| 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% |
Since prices can be so different, the only way to figure out your exact price is to compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, so the prices may be quite different between companies.
| 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 More Affordable Jeep Wrangler 4xe Insurance
Getting lower rates on Jeep Wrangler 4xe insurance requires having a good driving record, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The next list is a summary of the coverage data raised in the charts and tables above.
- It is possible to save up to $240 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $750 each year
- Drivers age 20 and younger pay higher prices, as much as $625 a month including comprehensive and collision insurance
- High-risk drivers who have multiple accidents or major violations pay on average $2,320 more every year to buy Jeep Wrangler 4xe insurance
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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