Jeep Gladiator Insurance Rates
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UPDATED: Jun 9, 2024
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Average insurance rates for a Jeep Gladiator are $1,610 a year for full coverage. Comprehensive insurance costs approximately $320, collision insurance costs $640, and liability costs $470. Buying just liability costs as little as $536 a year, and insurance for high-risk drivers costs $3,502 or more. Teenage drivers receive the highest rates at up to $6,050 a year.
Average premium for full coverage: $1,610
Rate estimates by individual coverage type:
Estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different Gladiator trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as low as $536 for a discount liability-only rate to a much higher rate of $3,502 for high-risk insurance.
Price Range by Location
Your location can make a big difference on car insurance rates. Rural locations tend to have a lower frequency of accident claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance prices.
These examples show why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of making a decision based 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.
Rates by State, City, and Model
The chart below shows average Jeep Gladiator insurance rates for additional coverage and risk scenarios.
- The best discount rate is $918
- Drivers who choose higher $1,000 deductibles will pay $218 a year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,610
- Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $426 annually
- Drivers who are prone to accidents and violations could pay around $3,502
- The cost for full coverage for a 16-year-old driver with full coverage can cost $6,050 a year
Auto insurance rates for a Jeep Gladiator can also vary considerably based on your driver profile, the trim level of your Gladiator, and physical damage deductibles and liability limits.
An older driver with a good driving record and high deductibles may pay as low as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $6,000 a year. View Rates by Age
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 Iowa, Maine, and Idaho, or be forced to pay as much as $2,300 on average in New York, Louisiana, and Michigan.
| 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% |
Using high physical damage deductibles could save up to $650 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $423 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,900 to $2,600 in extra premium per year, depending on your age. High-risk driver insurance can cost from 43% to 132% more than a normal policy. View High Risk Driver Rates
| 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 Find Low Cost Jeep Gladiator Insurance
Saving money on insurance for a Jeep Gladiator not only requires avoiding accidents and claims, but also having good credit, eliminating unneeded coverage, and possibly higher deductibles. Invest time comparing rates every couple of years by getting rate quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.
The points below are a review of the material that was covered in the charts and tables above.
- Insureds who purchase increased liability limits will pay an extra $520 each year to go from a minimum limit to 250/500 limits
- Drivers under the age of 20 have the highest car insurance rates, costing as high as $504 per month if they have full coverage
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,890 more per year to insure a Jeep Gladiator
- Increasing deductibles can save around $650 each year
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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