Jeep Gladiator Insurance Rates

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UPDATED: Jun 9, 2024

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The average insurance rates for a Jeep Gladiator are $1,588 a year for full coverage. Comprehensive insurance costs approximately $310 a year, collision costs $612, and liability costs around $486. A liability-only policy costs as low as $548 a year, with high-risk insurance costing $3,452 or more. Teenage drivers cost the most to insure at $6,000 a year or more.

Average premium for full coverage: $1,588

Policy rates by type of insurance:

Comprehensive $310
Collision $612
Liability $486

Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Gladiator trim levels.

Price Range Variability

Using a middle-aged driver as an example, Jeep Gladiator insurance rates go from the low end price of $548 for minimum levels of liability insurance to a high of $3,452 for a driver who has had serious violations or accidents.

Liability Only $548
Full Coverage $1,588
High Risk $3,452

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how where you live affects auto insurance prices.

Rural Areas $1,191
Small Cities $1,667
Large Cities $2,144

The examples above show why it is important to compare prices using their specific location, instead of using 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.

Additional Rate Details

The chart below shows estimated Jeep Gladiator insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $909
  • Using higher $1,000 deductibles will save $1,380 a year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,588
  • Using low $100 deductibles for physical damage coverage will cost an additional $410 every year
  • Drivers who are prone to accidents and violations could pay around $3,452 or more
  • Policy cost that insures a teen driver can cost $6,000 or more

View Chart as Image

Jeep Gladiator insurance cost comparison chart
Column chart showing full coverage Jeep Gladiator insurance prices range from $909 to $6,000

Car insurance rates for a Jeep Gladiator also range considerably based on the trim level of your Gladiator, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $6,000 a year. View Rates by Age

Your home state has a huge impact on Jeep Gladiator insurance prices. A driver around age 40 might see rates as low as $1,050 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,260 on average in New York, Louisiana, and Michigan.

Jeep Gladiator Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,434 -$154 -9.7%
Alaska $1,218 -$370 -23.3%
Arizona $1,316 -$272 -17.1%
Arkansas $1,588 -$0 0.0%
California $1,806 $218 13.7%
Colorado $1,516 -$72 -4.5%
Connecticut $1,630 $42 2.6%
Delaware $1,796 $208 13.1%
Florida $1,984 $396 24.9%
Georgia $1,466 -$122 -7.7%
Hawaii $1,138 -$450 -28.3%
Idaho $1,076 -$512 -32.2%
Illinois $1,180 -$408 -25.7%
Indiana $1,198 -$390 -24.6%
Iowa $1,070 -$518 -32.6%
Kansas $1,506 -$82 -5.2%
Kentucky $2,164 $576 36.3%
Louisiana $2,350 $762 48.0%
Maine $980 -$608 -38.3%
Maryland $1,310 -$278 -17.5%
Massachusetts $1,268 -$320 -20.2%
Michigan $2,754 $1,166 73.4%
Minnesota $1,328 -$260 -16.4%
Mississippi $1,902 $314 19.8%
Missouri $1,406 -$182 -11.5%
Montana $1,704 $116 7.3%
Nebraska $1,250 -$338 -21.3%
Nevada $1,902 $314 19.8%
New Hampshire $1,144 -$444 -28.0%
New Jersey $1,774 $186 11.7%
New Mexico $1,404 -$184 -11.6%
New York $1,672 $84 5.3%
North Carolina $914 -$674 -42.4%
North Dakota $1,302 -$286 -18.0%
Ohio $1,094 -$494 -31.1%
Oklahoma $1,628 $40 2.5%
Oregon $1,454 -$134 -8.4%
Pennsylvania $1,510 -$78 -4.9%
Rhode Island $2,116 $528 33.2%
South Carolina $1,440 -$148 -9.3%
South Dakota $1,340 -$248 -15.6%
Tennessee $1,386 -$202 -12.7%
Texas $1,910 $322 20.3%
Utah $1,172 -$416 -26.2%
Vermont $1,086 -$502 -31.6%
Virginia $950 -$638 -40.2%
Washington $1,224 -$364 -22.9%
West Virginia $1,454 -$134 -8.4%
Wisconsin $1,098 -$490 -30.9%
Wyoming $1,414 -$174 -11.0%

View Chart as Image

Jeep Gladiator insurance rates by U.S. city

Using high physical damage deductibles could cut rates by as much as $620 every year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $438 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see which company has the best rate. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.

Jeep Gladiator Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Jeep Gladiator $332 $656 $450 $1,618
2023 Jeep Gladiator $320 $640 $470 $1,610
2022 Jeep Gladiator $310 $612 $486 $1,588
2021 Jeep Gladiator $292 $592 $500 $1,564
2020 Jeep Gladiator $282 $548 $510 $1,520

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 Low Cost Jeep Gladiator Insurance

Finding cheaper rates on car insurance requires being a safe and courteous driver, having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Compare prices every other policy renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.

Below is a review of the ideas that were touched on in the above illustrations.

  • Teenage drivers pay the highest auto insurance rates, costing up to $500 each month if full coverage is purchased
  • Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,860 more per year for auto insurance
  • Increasing comprehensive and collision deductibles can save approximately $625 each year
  • Drivers can save around $190 per year simply by quoting early and online

Rates by Driver Age

Jeep Gladiator Insurance Rates by Driver Age
Driver Age Premium
16 $6,000
20 $3,688
30 $1,650
40 $1,588
50 $1,452
60 $1,424

Full coverage, $500 deductibles

Rates by Deductible

Jeep Gladiator Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,998
$250 $1,806
$500 $1,588
$1,000 $1,380

Full coverage, driver age 40

Rates by Liability Limit

Jeep Gladiator Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,588
50/100 $1,685
100/300 $1,807
250/500 $2,123
100 CSL $1,734
300 CSL $2,001
500 CSL $2,196

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Gladiator Insurance Rates for High Risk Drivers
Age Premium
16 $8,566
20 $5,878
30 $3,524
40 $3,452
50 $3,296
60 $3,270

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 $225

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $84
Multi-vehicle $85
Homeowner $24
5-yr Accident Free $118
5-yr Claim Free $103
Paid in Full/EFT $73
Advance Quote $79
Online Quote $113
Total Discounts $679
Rate after discounts $909

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

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