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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The average insurance prices for a Jeep Gladiator are $1,588 every 12 months for full coverage. Comprehensive costs around $310, collision costs $612, and liability coverage is estimated at $486. A liability-only policy costs approximately $548 a year, with high-risk insurance costing around $3,452. Teen drivers cost the most to insure at $6,000 a year or more.
Average premium for full coverage: $1,588
Policy rates for type of insurance:
Rates are based on $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different Gladiator trim levels.
Price Range Variability
For the average 40-year-old driver, Jeep Gladiator insurance rates go from the cheapest price of $548 for basic liability insurance to a much higher rate of $3,452 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than larger metro areas.
The price range example below illustrates the difference location can make on auto insurance rates.
The examples above show why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than 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.
Rate Comparisons
The chart below shows estimated Jeep Gladiator insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $909
- Choosing higher $1,000 deductibles can save about $208 a year
- The average price for a good driver age 40 using $500 deductibles is $1,588
- Choosing more expensive low deductibles for comp and collision coverage increases the price to $1,998
- Drivers with multiple violations and an at-fault accident could pay at least $3,452 or more
- Policy cost to insure a teenage driver with full coverage can be $6,000 each year
Car insurance rates for a Jeep Gladiator also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.
Choosing high deductibles can save as much as $620 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $438 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may only pay around $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $6,000 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,900 to $2,600 extra every year, depending on your age. High-risk driver insurance ranges around 43% to 133% more than average. View High Risk Driver Rates
Your home state plays a big part in determining prices for Jeep Gladiator insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like Idaho, Maine, and Iowa, or as much as $2,260 on average in Michigan, Louisiana, and New York.
| 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% |
Because rates have so much variability, the only way to know your exact price is to compare rates and see how they stack up. Each auto insurer uses a different rate calculation, so rate quotes will be varied.
| 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 Shop for the Best Cheap Jeep Gladiator Insurance
Finding cheaper rates on auto insurance takes having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates every couple of years by requesting quotes from direct carriers, and also from local exclusive and independent agents.
The next list is a quick review of the material that was touched on in this article.
- Consumers who may need increased levels of liability coverage will pay about $540 each year to raise limits from a 30/60 limit to a 250/500 level
- Drivers age 20 and younger are the costliest to insure, costing up to $500 each month if the policy includes full coverage
- Drivers with a DUI or reckless driving violation may pay on average $1,860 more every year to buy Jeep Gladiator insurance
- Increasing comprehensive and collision deductibles could save as much as $625 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,998 |
| $250 | $1,806 |
| $500 | $1,588 |
| $1,000 | $1,380 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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