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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Estimated insurance rates for a Jeep Gladiator are $1,588 a year for full coverage. Comprehensive costs on average $310, collision costs $612, and liability insurance is estimated at $486. Liability-only coverage costs approximately $548 a year, with high-risk coverage costing around $3,452. Teenage drivers pay the most at $6,000 a year or more.
Average premium for full coverage: $1,588
Premium estimates by type of coverage:
Prices include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different Gladiator trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Jeep Gladiator go from the low end price of $548 for basic liability insurance to a much higher rate of $3,452 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than densely populated cities.
The price range example below illustrates how rural and urban location affects car insurance rates.
These rate differences show why anyone shopping for car insurance should get quotes based on a specific location, rather than relying 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.
Rate Comparisons
The chart below shows estimated Jeep Gladiator insurance rates for different risk profiles and scenarios.
- The best discount rate is $909
- Choosing higher $1,000 deductibles can save around $208 a year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,588
- Using more expensive low deductibles for comp and collision coverage bumps up the cost to $1,998
- High-risk insureds who are prone to accidents and violations could pay upwards of $3,452 or more
- An auto insurance policy that insures a teen driver with full coverage may cost $6,000 each year
Insurance prices for a Jeep Gladiator also have a wide range based on the model year and trim level, how you drive, and policy deductibles and limits.
If you have a few violations or you caused an accident, you could be paying at a minimum $1,900 to $2,600 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $6,000 a year. View Rates by Age
Where you choose to live 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 be forced to pay 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% |
Using high physical damage deductibles can save as much as $620 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $438 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know exactly what you will pay is to compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different.
| 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 the Right Jeep Gladiator Insurance
Finding better rates on Jeep Gladiator insurance takes avoiding accidents and claims, having above-average credit, not filing small claims, and bundling your home and auto policies. Compare prices at least once a year by quoting rates from direct carriers, and also from local exclusive and independent agents.
The points below are a quick rundown of the primary concepts that were raised in the charts and tables above.
- Drivers can save as much as $190 per year simply by shopping early and online
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,860 more each year to insure a Jeep Gladiator
- Increasing policy deductibles can save approximately $625 each year
- Drivers under the age of 20 pay the highest prices, as much as $500 per month if full coverage is included
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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