Jeep Gladiator Insurance Rates
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Michelle Robbins
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UPDATED: Jun 9, 2024
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The average auto insurance rates for a Jeep Gladiator are $1,610 annually with full coverage. Comprehensive costs approximately $320 a year, collision insurance costs $640, and liability is estimated at $470. Buying just liability costs approximately $536 a year, and insurance for high-risk drivers costs around $3,502. Teen drivers cost the most to insure at up to $6,050 a year.
Average premium for full coverage: $1,610
Policy rates by type of insurance:
Rates are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Gladiator trim levels.
Price Range Variability
For a driver in their 40's, Jeep Gladiator insurance rates range from as cheap as $536 for your basic liability-only policy to a high of $3,502 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on the price of insurance. Rural locations are shown to have fewer collision claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance prices.
The examples above demonstrate why it is important to get quotes using their specific location and their own personal driving habits, instead of 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.
More Rate Information
The chart below details average Jeep Gladiator insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $918
- Choosing higher $1,000 deductibles can save $1,392 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,610
- Choosing low $100 deductibles for comp and collision coverage will cost $2,036
- Unlucky drivers with multiple violations and an at-fault accident could pay around $3,502
- Policy cost with full coverage for a teen driver can cost $6,050 each year
Insurance rates for a Jeep Gladiator also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $6,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $650 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $423 more per year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Jeep Gladiator insurance prices. A good driver about age 40 could pay as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,170 on average in New York, Michigan, and Florida.
| 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% |
| 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 Cheap Jeep Gladiator Insurance
Finding cheaper rates on car insurance takes having a good driving record, having a good credit history, not filing small claims, and possibly raising deductibles. Invest time comparing rates every other policy renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a quick review of the ideas that were covered in the charts and tables above.
- Drivers age 20 and younger are expensive to insure, as much as $504 each month including comprehensive and collision insurance
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,890 more per year to buy Jeep Gladiator insurance
- Increasing comprehensive and collision deductibles could save up to $650 each year
- You may be able to save around $200 per year just by quoting early and online
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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