Jeep Wrangler 4xe Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Jeep Wrangler 4xe are $1,960 a year for full coverage. Comprehensive insurance costs around $358, collision costs $780, and liability coverage is estimated at $584. A policy with just liability insurance costs approximately $678 a year, with coverage for high-risk drivers costing $4,280 or more. 16-year-old drivers pay the highest rates at $7,478 a year or more.
Average premium for full coverage: $1,960
Price estimates for individual coverage:
Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different Wrangler 4xe trim levels.
Price Range from Low to High
For a driver around age 40, Jeep Wrangler 4xe insurance prices go from the low end price of $678 for minimum levels of liability insurance to a much higher rate of $4,280 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities.
The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above show why anyone shopping for car insurance should get quotes for a specific zip code, rather than 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 Details
The chart below shows estimated Jeep Wrangler 4xe insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,121
- Choosing higher $1,000 deductibles can save about $258 a year
- The estimated price for the average middle-age driver using $500 deductibles is $1,960
- Buying more expensive low deductibles for comp and collision coverage will cost an additional $510 each year
- Drivers with multiple tickets or accidents could pay at least $4,280 or more
- The price that insures a teenage driver with full coverage can be $7,478 each year
Insurance prices for a Jeep Wrangler 4xe are also quite variable based on the model year and trim level, how you drive, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you could be paying at least $2,300 to $3,200 extra each year, depending on your age. High-risk driver insurance ranges around 43% to 130% more than the average rate. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,800 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $7,400 a year. View Rates by Age
The state you live in plays a big part in determining prices for Jeep Wrangler 4xe insurance rates. A good driver about age 40 could pay as low as $1,290 a year in states like Idaho, Maine, and Iowa, or at least $2,800 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,774 | -$186 | -9.5% |
| Alaska | $1,504 | -$456 | -23.3% |
| Arizona | $1,628 | -$332 | -16.9% |
| Arkansas | $1,960 | -$0 | 0.0% |
| California | $2,238 | $278 | 14.2% |
| Colorado | $1,874 | -$86 | -4.4% |
| Connecticut | $2,014 | $54 | 2.8% |
| Delaware | $2,222 | $262 | 13.4% |
| Florida | $2,452 | $492 | 25.1% |
| Georgia | $1,814 | -$146 | -7.4% |
| Hawaii | $1,408 | -$552 | -28.2% |
| Idaho | $1,330 | -$630 | -32.1% |
| Illinois | $1,464 | -$496 | -25.3% |
| Indiana | $1,478 | -$482 | -24.6% |
| Iowa | $1,326 | -$634 | -32.3% |
| Kansas | $1,864 | -$96 | -4.9% |
| Kentucky | $2,676 | $716 | 36.5% |
| Louisiana | $2,908 | $948 | 48.4% |
| Maine | $1,212 | -$748 | -38.2% |
| Maryland | $1,618 | -$342 | -17.4% |
| Massachusetts | $1,568 | -$392 | -20.0% |
| Michigan | $3,408 | $1,448 | 73.9% |
| Minnesota | $1,644 | -$316 | -16.1% |
| Mississippi | $2,350 | $390 | 19.9% |
| Missouri | $1,742 | -$218 | -11.1% |
| Montana | $2,108 | $148 | 7.6% |
| Nebraska | $1,546 | -$414 | -21.1% |
| Nevada | $2,352 | $392 | 20.0% |
| New Hampshire | $1,412 | -$548 | -28.0% |
| New Jersey | $2,192 | $232 | 11.8% |
| New Mexico | $1,740 | -$220 | -11.2% |
| New York | $2,068 | $108 | 5.5% |
| North Carolina | $1,130 | -$830 | -42.3% |
| North Dakota | $1,604 | -$356 | -18.2% |
| Ohio | $1,354 | -$606 | -30.9% |
| Oklahoma | $2,014 | $54 | 2.8% |
| Oregon | $1,798 | -$162 | -8.3% |
| Pennsylvania | $1,872 | -$88 | -4.5% |
| Rhode Island | $2,616 | $656 | 33.5% |
| South Carolina | $1,778 | -$182 | -9.3% |
| South Dakota | $1,656 | -$304 | -15.5% |
| Tennessee | $1,718 | -$242 | -12.3% |
| Texas | $2,362 | $402 | 20.5% |
| Utah | $1,452 | -$508 | -25.9% |
| Vermont | $1,344 | -$616 | -31.4% |
| Virginia | $1,176 | -$784 | -40.0% |
| Washington | $1,516 | -$444 | -22.7% |
| West Virginia | $1,800 | -$160 | -8.2% |
| Wisconsin | $1,358 | -$602 | -30.7% |
| Wyoming | $1,748 | -$212 | -10.8% |
Opting for high physical damage deductibles can save as much as $770 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $525 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know your exact price is to compare prices and see how they stack up. Each auto insurer utilizes a different rate formula, so the prices may be quite different.
| 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 Find the Cheapest Jeep Wrangler 4xe Insurance
Getting lower rates on auto insurance takes having a decent driving record, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Comparison shop at every other renewal by requesting rates from direct carriers, and also from several local insurance agents.
The following items are a recap of the concepts that were covered above.
- Drivers that have major violations or accidents pay on average $2,320 more every year than a driver with a clean driving record
- 16 to 18-year-old drivers pay higher prices, with premiums as much as $623 a month if full coverage is included
- Drivers can save up to $240 per year simply by shopping early and online
- Increasing physical damage deductibles can save approximately $775 each year
- Drivers can save up to $240 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,478 |
| 20 | $4,596 |
| 30 | $2,042 |
| 40 | $1,960 |
| 50 | $1,798 |
| 60 | $1,766 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,470 |
| $250 | $2,232 |
| $500 | $1,960 |
| $1,000 | $1,702 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,960 |
| 50/100 | $2,077 |
| 100/300 | $2,223 |
| 250/500 | $2,602 |
| 100 CSL | $2,135 |
| 300 CSL | $2,456 |
| 500 CSL | $2,690 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,664 |
| 20 | $7,320 |
| 30 | $4,368 |
| 40 | $4,280 |
| 50 | $4,090 |
| 60 | $4,054 |
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 | $91 |
| Advance Quote | $99 |
| Online Quote | $138 |
| Total Discounts | $839 |
Discounts are estimated and may not be available from every company or in every state.
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