Jeep Wrangler 4xe Insurance Rates
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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 for full coverage insurance. Comprehensive insurance costs on average $344 each year, collision insurance costs $774, and liability costs around $598. A policy with just liability insurance costs as low as $688 a year, and coverage for high-risk drivers costs $4,272 or more. Teens pay the highest rates at up to $7,494 a year.
Average premium for full coverage: $1,954
Price estimates by individual coverage:
Prices are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Wrangler 4xe models.
Price Range from Low to High
For the normal driver, Jeep Wrangler 4xe insurance prices range from the cheapest price of $688 for just the minimum liability insurance to a high rate of $4,272 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can make a big difference on insurance rates. Rural areas have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects car insurance rates.
The ranges above illustrate why all drivers should compare prices based on a specific location and their own driving history, instead of making a decision based 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.
Additional Rate Analysis
The chart below illustrates average Jeep Wrangler 4xe insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,117
- Using higher $1,000 deductibles will save around $252 each year
- The average price for the average middle-age driver with $500 deductibles is $1,954
- Selecting low deductibles for physical damage coverage costs an extra $500 annually
- High-risk insureds with serious driving violations could pay upwards of $4,272
- The price to insure a 16-year-old driver may cost $7,494 or more
Insurance prices for a Jeep Wrangler 4xe are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Wrangler 4xe.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $760 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $538 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as low as $1,800 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $7,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $2,300 to $3,200 extra each year, depending on your age. Insurance for high-risk drivers can be from 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 prices. A driver around age 40 might see prices as low as $1,280 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay 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% |
| 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 Shop for Affordable Jeep Wrangler 4xe Insurance
Getting lower rates on insurance for a Jeep Wrangler 4xe requires being a low-risk driver, having good credit, not filing small claims, and determing if full coverage is necessary. Invest the time to compare rates at every policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The items below are a brief review of the data presented in the illustrations above.
- Insureds who require more liability coverage will pay approximately $660 annually to increase from a low limit to a 250/500 level
- It is possible to save as much as $240 per year just by quoting online in advance
- Increasing physical damage deductibles could save as much as $750 each year
- Teen drivers pay the highest prices, as much as $625 a month if they have full coverage
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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