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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U.S. average insurance prices for a Jeep Gladiator are $1,610 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $320 a year, collision insurance costs $640, and liability coverage is estimated at $470. Buying just liability costs approximately $536 a year, and insurance for high-risk drivers costs $3,502 or more. Teens pay the highest rates at up to $6,050 a year.
Average premium for full coverage: $1,610
Price estimates by individual coverage:
Full coverage includes $500 deductible amounts, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Gladiator trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Jeep Gladiator insurance prices range from the cheapest price of $536 for just liability coverage to a high of $3,502 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on the price of auto insurance. Rural locations have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance prices.
The ranges above illustrate why it is important to get quotes using their specific location and their own driving history, rather than using 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 illustrates average Jeep Gladiator insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $918
- Choosing higher $1,000 deductibles can save $1,392 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,610
- Selecting low $100 deductibles for comp and collision coverage costs an extra $426 each year
- Drivers with serious driving violations could pay around $3,502
- The price to insure a teenage driver can cost $6,050 each year
Insurance prices for a Jeep Gladiator are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Gladiator.
Choosing higher comprehensive and collision insurance deductibles can save as much as $650 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $423 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may only pay around $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $6,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,900 to $2,600 additional each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 132% more than the average policy. View High Risk Driver Rates
The state you live in 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 North Carolina, Wisconsin, and Vermont, or have to pay at least $2,170 on average in Florida, New York, 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% |
| 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 More Affordable Jeep Gladiator Insurance
Getting lower rates on auto insurance takes having a good driving record, having above-average credit, not filing small claims, and consideration of higher deductibles. Set aside time to shop around at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The next list is a summary of the data raised in the charts and tables above.
- Consumers who purchase increased levels of liability coverage will pay approximately $520 annually to raise limits from a low limit to a 250/500 level
- It is possible to save around $200 per year just by quoting early and online
- Increasing physical damage deductibles could save as much as $650 each year
- Drivers age 20 and younger are the costliest to insure, as much as $504 a month if full coverage is included
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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