Jeep Wrangler 4xe Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 28, 2024

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U.S. average insurance prices for a Jeep Wrangler 4xe are $1,954 every 12 months including full coverage. Comprehensive insurance costs approximately $344, collision costs $774, and liability coverage costs around $598. Buying just liability costs as low as $688 a year, with insurance for high-risk drivers costing $4,272 or more. Teens pay the highest rates at $7,494 a year or more.

Average premium for full coverage: $1,954

Price estimates by individual coverage:

Comprehensive $344
Collision $774
Liability $598

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Wrangler 4xe trim levels.

Price Range from Low to High

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

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

Geographic Price Range

Where you live has a large influence on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance prices.

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

The ranges above highlight why anyone shopping for car insurance should compare prices using their specific location and their own driving history, rather than using 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.

More Rate Information

The chart below breaks down estimated Jeep Wrangler 4xe insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $1,117
  • Using higher $1,000 deductibles will save $252 every year
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,954
  • Selecting more expensive low deductibles for physical damage coverage costs an extra $500 each year
  • Higher-risk drivers with serious driving violations could pay around $4,272 or more
  • The price to insure a teenage driver with full coverage can cost $7,494 or more

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

Insurance prices for a Jeep Wrangler 4xe are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Wrangler 4xe.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $760 a year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $538 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,800 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $7,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $2,300 to $3,200 additional each year, depending on your age. High-risk driver insurance can be around 43% to 131% more than the average policy. View High Risk Driver Rates

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 $1,500 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,790 on average in Louisiana, New York, and Michigan.

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

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to compare prices and see how they stack up. Each insurance company calculates prices differently, and prices may be quite different.

Jeep Wrangler 4xe Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Jeep Wrangler 4xe $376 $812 $558 $1,984
2023 Jeep Wrangler 4xe $358 $780 $584 $1,960
2022 Jeep Wrangler 4xe $344 $774 $598 $1,954

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

Getting lower rates on auto insurance requires having a decent driving record, having above-average credit, being claim-free, and qualifying for all possible discounts. Invest the time to shop around every couple of years by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following items are a summary of the material that was illustrated above.

  • Consumers who purchase additional liability coverage will pay approximately $660 per year to increase from a low limit to a 250/500 level
  • 16 to 18-year-old drivers are the costliest to insure, possibly costing $625 a month if full coverage is included
  • Drivers who have multiple accidents or major violations could be charged and average of $2,320 more per year than a driver with a clean driving record
  • Increasing physical damage deductibles could save as much as $750 each year

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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