Jeep Gladiator Insurance Rates

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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 around $320 a year, collision costs $640, and liability costs around $470. A policy with just liability insurance costs as low as $536 a year, with coverage for high-risk drivers costing around $3,502. Teen drivers receive the highest rates at $6,050 a year or more.

Average premium for full coverage: $1,610

Rate estimates for individual coverage type:

Comprehensive $320
Collision $640
Liability $470

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and Gladiator trim levels.

Price Range by Coverage and Risk

For an average driver, prices range go from the low end price of $536 for a discount liability-only rate to a high of $3,502 for a driver who has had serious violations or accidents.

Liability Only $536
Full Coverage $1,610
High Risk $3,502

Price Range by Location

Where you live can have significant affects on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $1,208
Small Cities $1,691
Large Cities $2,174

These examples show why it is important to compare prices for a specific zip code, instead of using price 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 shows estimated Jeep Gladiator insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $918
  • Using higher $1,000 deductibles will save about $1,392 a year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,610
  • Choosing low $100 deductibles for physical damage coverage bumps up the cost to $2,036
  • Drivers with multiple violations and an at-fault accident could pay at least $3,502 or more
  • The cost that insures a teen driver can be $6,050 or more

View Chart as Image

Jeep Gladiator insurance cost comparison chart
Column chart showing full coverage Jeep Gladiator insurance rates range from $918 to $6,050

Insurance rates for a Jeep Gladiator can also vary considerably based on the trim level of your Gladiator, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,900 to $2,600 additional per year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 132% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,500 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $6,000 a year. View Rates by Age

Where you live has a huge impact on Jeep Gladiator insurance prices. A driver around age 40 might see rates as low as $1,060 a year in states like Idaho, Maine, and Iowa, or as much as $2,300 on average in Michigan, Louisiana, and New York.

Jeep Gladiator Insurance Rates by State
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%

View Chart as Image

Jeep Gladiator insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $650 every year, while buying higher liability limits will increase rates. 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

With so much variability in rates, the only way to know your exact price is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, and rates can be significantly different.

Jeep Gladiator Insurance Rates by Model Year
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 car insurance requires having a decent driving record, having a good credit score, eliminating unneeded coverage, and taking advantage of discounts. Shop around every other policy renewal by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a summary of the ideas that were covered in the above illustrations.

  • 16 to 18-year-old drivers are charged the highest rates, costing as high as $504 per month if comprehensive and collision insurance is included
  • Higher risk drivers who have multiple accidents or major violations pay on average $1,890 more every year than a driver with a clean driving record
  • Increasing deductibles can save approximately $650 each year
  • Drivers can save up to $200 per year simply by quoting early and online

Rates by Driver Age

Jeep Gladiator Insurance 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

Jeep Gladiator Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,036
$250 $1,838
$500 $1,610
$1,000 $1,392

Full coverage, driver age 40

Rates by Liability Limit

Jeep Gladiator Insurance Rates with Different Liability Limits
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

Jeep Gladiator Insurance 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.

SR-22 Surcharge $229

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
Rate after discounts $918

Discounts are estimated and may not be available from every company or in every state.

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