Jeep Gladiator 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: Jun 9, 2024
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Average insurance rates for a Jeep Gladiator are $1,610 a year for full coverage. Comprehensive costs on average $320, collision insurance costs $640, and liability is $470. A policy with just liability insurance costs around $536 a year, and coverage for high-risk drivers costs around $3,502. Teenage drivers receive the highest rates at up to $6,050 a year.
Average premium for full coverage: $1,610
Rate estimates by individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all Gladiator models.
Price Range by Coverage and Risk
For the average driver, prices range range from the low end price of $536 for a discount liability-only rate to the much higher price of $3,502 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have lower incidents of accident claims than densely populated cities. The example below illustrates how location impacts car insurance rates.
These examples show why everyone should compare rates quotes based on a specific location, instead of making a decision based on average rates.
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 shows average Jeep Gladiator insurance rates for different risk profiles and scenarios.
- The best discount rate is $918
- Raising to $1,000 deductibles will save around $218 a year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,610
- Using pricier low deductibles bumps up the cost to $2,036
- Drivers who are prone to accidents and violations could pay upwards of $3,502
- The cost that insures a 16-year-old driver for full coverage may cost $6,050
Insurance rates for a Jeep Gladiator can also vary considerably based on the model of your Gladiator, how you drive, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you could be paying at a minimum $1,900 to $2,600 additional per year, depending on your age. Jeep Gladiator insurance for high-risk drivers is expensive and can cost from 43% to 132% more than a normal policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $6,000 a year. View Rates by Age
Where you live also has a big influence on Jeep Gladiator insurance prices. A middle-age driver might find rates as low as $1,060 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,300 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,454 | -$156 | -9.7% |
| Alaska | $1,234 | -$376 | -23.4% |
| Arizona | $1,336 | -$274 | -17.0% |
| Arkansas | $1,610 | -$0 | 0.0% |
| California | $1,834 | $224 | 13.9% |
| Colorado | $1,536 | -$74 | -4.6% |
| Connecticut | $1,656 | $46 | 2.9% |
| Delaware | $1,822 | $212 | 13.2% |
| Florida | $2,014 | $404 | 25.1% |
| Georgia | $1,486 | -$124 | -7.7% |
| Hawaii | $1,156 | -$454 | -28.2% |
| Idaho | $1,092 | -$518 | -32.2% |
| Illinois | $1,196 | -$414 | -25.7% |
| Indiana | $1,214 | -$396 | -24.6% |
| Iowa | $1,086 | -$524 | -32.5% |
| Kansas | $1,528 | -$82 | -5.1% |
| Kentucky | $2,196 | $586 | 36.4% |
| Louisiana | $2,382 | $772 | 48.0% |
| Maine | $994 | -$616 | -38.3% |
| Maryland | $1,328 | -$282 | -17.5% |
| Massachusetts | $1,286 | -$324 | -20.1% |
| Michigan | $2,792 | $1,182 | 73.4% |
| Minnesota | $1,348 | -$262 | -16.3% |
| Mississippi | $1,930 | $320 | 19.9% |
| Missouri | $1,428 | -$182 | -11.3% |
| Montana | $1,730 | $120 | 7.5% |
| Nebraska | $1,268 | -$342 | -21.2% |
| Nevada | $1,930 | $320 | 19.9% |
| New Hampshire | $1,158 | -$452 | -28.1% |
| New Jersey | $1,800 | $190 | 11.8% |
| New Mexico | $1,424 | -$186 | -11.6% |
| New York | $1,698 | $88 | 5.5% |
| North Carolina | $926 | -$684 | -42.5% |
| North Dakota | $1,318 | -$292 | -18.1% |
| Ohio | $1,112 | -$498 | -30.9% |
| Oklahoma | $1,650 | $40 | 2.5% |
| Oregon | $1,474 | -$136 | -8.4% |
| Pennsylvania | $1,534 | -$76 | -4.7% |
| Rhode Island | $2,148 | $538 | 33.4% |
| South Carolina | $1,460 | -$150 | -9.3% |
| South Dakota | $1,358 | -$252 | -15.7% |
| Tennessee | $1,408 | -$202 | -12.5% |
| Texas | $1,938 | $328 | 20.4% |
| Utah | $1,192 | -$418 | -26.0% |
| Vermont | $1,104 | -$506 | -31.4% |
| Virginia | $964 | -$646 | -40.1% |
| Washington | $1,242 | -$368 | -22.9% |
| West Virginia | $1,476 | -$134 | -8.3% |
| Wisconsin | $1,114 | -$496 | -30.8% |
| Wyoming | $1,434 | -$176 | -10.9% |
Using high physical damage deductibles can reduce rates by up to $650 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $423 more each year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Gladiator | $346 | $660 | $440 | $1,626 |
| 2023 Jeep Gladiator | $332 | $656 | $450 | $1,618 |
| 2022 Jeep Gladiator | $320 | $640 | $470 | $1,610 |
| 2021 Jeep Gladiator | $310 | $612 | $486 | $1,588 |
| 2020 Jeep Gladiator | $292 | $592 | $500 | $1,564 |
Rates are averaged for all Jeep Gladiator 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 More Affordable Jeep Gladiator Insurance
Saving money on insurance for a Jeep Gladiator consists of having a decent driving record, having a good credit score, eliminating unneeded coverage, and dropping full coverage on older vehicles. Compare prices at every other renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a summary of the concepts that were touched on above.
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,890 more each year than a driver with a clean driving record
- 16 to 18-year-old drivers pay higher rates, costing as high as $504 per month if comprehensive and collision insurance is included
- Drivers can save as much as $200 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $650 each year
- Drivers can save as much as $200 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,050 |
| 20 | $3,744 |
| 30 | $1,678 |
| 40 | $1,610 |
| 50 | $1,470 |
| 60 | $1,444 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,036 |
| $250 | $1,838 |
| $500 | $1,610 |
| $1,000 | $1,392 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,610 |
| 50/100 | $1,704 |
| 100/300 | $1,822 |
| 250/500 | $2,127 |
| 100 CSL | $1,751 |
| 300 CSL | $2,010 |
| 500 CSL | $2,198 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,644 |
| 20 | $5,962 |
| 30 | $3,576 |
| 40 | $3,502 |
| 50 | $3,344 |
| 60 | $3,314 |
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 | $86 |
| Multi-vehicle | $86 |
| Homeowner | $24 |
| 5-yr Accident Free | $121 |
| 5-yr Claim Free | $105 |
| Paid in Full/EFT | $75 |
| Advance Quote | $81 |
| Online Quote | $114 |
| Total Discounts | $692 |
Discounts are estimated and may not be available from every company or in every state.
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