Jeep Gladiator Insurance Rates

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2021 Jeep Gladiator Insurance Rates in 2025

Sick and tired of scraping the payment together to pay your auto insurance bill each month? You are no different than most other vehicle owners. Multiple insurance companies compete for your insurance dollar, and because of this it can be hard to compare auto insurance companies to get the best rates possible. Auto Insurance Discounts Companies do not list all their discounts in a way that's easy ...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Jun 9, 2024

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Average auto insurance rates for a Jeep Gladiator are $1,610 annually with full coverage. Comprehensive insurance costs an estimated $320 each 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 $3,502 or more. Teenage drivers receive the highest rates at $6,050 a year or more.

Average premium for full coverage: $1,610

Rate estimates broken down by individual coverage type:

Comprehensive $320
Collision $640
Liability $470

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and Gladiator models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from as cheap as $536 for your basic liability-only policy to a high rate of $3,502 for a high-risk insurance policy.

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

Price Range by Location

Where you live can have significant affects on car insurance rates. More rural locations tend to have fewer collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects insurance prices.

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

These examples demonstrate why all drivers should compare prices for a targeted area and their own personal driving habits, 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.

More Rate Information

The chart below details estimated Jeep Gladiator insurance rates for other coverage scenarios.

  • The best discount rate is $918
  • Using higher $1,000 deductibles will save approximately $218 annually
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,610
  • Using low deductibles for physical damage coverage costs an additional $426 every year
  • Drivers who are prone to accidents and violations could pay up to $3,502 or more
  • The cost with full coverage for a teen driver can cost as much as $6,050 or more

View Chart as Image

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

Insurance rates for a Jeep Gladiator can also vary considerably based on the trim level of your Gladiator, your driving record, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,500 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $6,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,900 to $2,600 additional per year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $650 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $423 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Jeep Gladiator insurance prices. A driver around age 40 might see rates as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,170 on average in New York, Michigan, and Florida.

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

With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison and see which company has the best rate. Each insurance company uses a different method to calculate rates, and rates can be significantly different between companies.

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 Buy the Best Jeep Gladiator Insurance

Saving money on car insurance requires being safe and accident-free, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at least every other year by getting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a brief recap of the car insurance concepts raised in the charts and tables above.

  • Higher risk drivers who tend to receive serious violations pay on average $1,890 more annually than a low-risk driver
  • You may be able to save approximately $200 per year simply by quoting online in advance
  • Increasing deductibles could save up to $650 each year
  • Policyholders who want more liability protection will pay an extra $520 every year to increase from a minimum limit to higher 250/500 limits

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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