Jeep Gladiator Insurance Rates
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UPDATED: Jun 9, 2024
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The average insurance prices for a Jeep Gladiator are $1,610 every 12 months with full coverage. Comprehensive insurance costs around $320, collision costs $640, and liability coverage costs $470. Liability-only insurance costs as little as $536 a year, with high-risk driver insurance costing $3,502 or more. 16-year-old drivers cost the most to insure at $6,050 a year or more.
Average premium for full coverage: $1,610
Policy rates for type of insurance:
Prices include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Gladiator trim levels.
Price Range Variability
For the average driver, Jeep Gladiator insurance rates go from the cheapest price of $536 for liability-only coverage to a much higher rate of $3,502 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location has a large influence on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than congested cities.
The price range example below illustrates how location impacts auto insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than using rate 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.
Additional Charts and Tables
The chart below details estimated Jeep Gladiator insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $918
- Drivers who choose higher $1,000 deductibles will pay about $218 annually
- The average price for a good driver age 40 using $500 deductibles is $1,610
- Buying more expensive low deductibles for comprehensive and collision insurance costs an extra $426 each year
- High-risk insureds with multiple tickets or accidents could pay at least $3,502 or more
- Policy cost to insure a teenage driver with full coverage can be $6,050 a year
Auto insurance rates for a Jeep Gladiator also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Opting for high physical damage deductibles could save up to $650 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $423 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay 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 may be forking out at least $1,900 to $2,600 in extra premium every year, depending on your age. High-risk driver insurance can cost around 43% to 132% more than the average rate. View High Risk Driver Rates
Your home state makes a big difference in Jeep Gladiator insurance rates. A 40-year-old driver could pay as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or at least $2,170 on average in Florida, Michigan, 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% |
Because rates have so much variability, the best way to find out your exact price is to compare rates and see how they stack up. Every company utilizes a different rate formula, and quoted rates will be varied.
| 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 Shop for the Right Jeep Gladiator Insurance
Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having a good credit score, not filing small claims, and maximizing policy discounts. Spend time shopping around every year by obtaining price quotes from direct companies, and also from several local insurance agents.
The items below are a quick rundown of the coverage data touched on above.
- You may be able to save up to $200 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $650 each year
- Teen drivers are expensive to insure, as much as $504 each month if comprehensive and collision insurance is included
- Drivers with reckless driving or DUI convictions pay on average $1,890 more every year to insure their Gladiator
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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