Jeep Gladiator Insurance Rates
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UPDATED: Jun 9, 2024
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Average auto insurance rates for a Jeep Gladiator are $1,610 annually for full coverage. Comprehensive insurance costs around $320 a year, collision costs $640, and liability costs $470. Buying just liability costs as little as $536 a year, with insurance for high-risk drivers costing $3,502 or more. Teens receive the highest rates at $6,050 a year or more.
Average premium for full coverage: $1,610
Rate estimates for individual coverage type:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all states and Gladiator trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $536 for just liability coverage to a high of $3,502 for a policy for a high-risk driver.
Price Range by Location
Your location can make a big difference on auto insurance rates. Areas with sparse population tend to have fewer accident claims than cities with more traffic congestion.
The diagram below illustrates how rural and urban location affects auto insurance rates.
These examples show why it is important to compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.
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.
Detailed Rate Analysis
The chart below shows estimated Jeep Gladiator insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $918
- Drivers who choose higher $1,000 deductibles will pay about $1,392 a year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,610
- Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $426 annually
- Drivers with serious driving violations could pay at least $3,502 or more
- The cost with full coverage for a 16-year-old driver can be $6,050 a year
Auto insurance rates for a Jeep Gladiator can also vary considerably based on the trim level of your Gladiator, your driver profile, and deductibles and policy limits.
Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $6,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at least $1,900 to $2,600 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $650 annually, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $423 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Jeep Gladiator insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,300 on average in Michigan, Louisiana, and New York.
| 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% |
With so much variability in rates, the only way to know your exact price is to get quotes from multiple companies. Every company calculates rates differently, and quoted rates can be significantly different between companies.
| 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 Low Cost Jeep Gladiator Insurance
Saving money on insurance for a Jeep Gladiator not only requires having a decent driving record, but also having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to shop around every year by requesting rates from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The following items are a review of the coverage data raised in the charts and tables above.
- Drivers can save up to $200 per year simply by quoting early and online
- Increasing deductibles could save up to $650 each year
- 16 to 18-year-old drivers are expensive to insure, costing as high as $504 per month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations pay an average of $1,890 more every year than a driver with a clean driving record
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,036 |
| $250 | $1,838 |
| $500 | $1,610 |
| $1,000 | $1,392 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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