Jeep Gladiator Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 27, 2022

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The average auto insurance rates for a Jeep Gladiator are $1,610 annually with full coverage. Comprehensive costs approximately $320, collision costs $640, and liability is estimated at $470. Buying just liability costs approximately $536 a year, with insurance for high-risk drivers costing around $3,502. Teenage drivers cost the most to insure at $6,050 a year or more.

Average premium for full coverage: $1,610

Policy rates by type of insurance:

Comprehensive $320
Collision $640
Liability $470

Prices include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Gladiator trim levels.

Price Range Variability

For a driver in their 40's, Jeep Gladiator insurance rates go from as cheap as $536 for just liability coverage to a much higher rate of $3,502 for a driver who requires high-risk insurance.

Liability Only $536
Full Coverage $1,610
High Risk $3,502

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance prices.

Rural Areas $1,208
Small Cities $1,691
Large Cities $2,174

The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, 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.

Detailed Rate Analysis

The chart below details estimated Jeep Gladiator insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $918
  • Choosing higher $1,000 deductibles can save $218 annually
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,610
  • Using more expensive low deductibles for comp and collision coverage will cost $2,036
  • Higher-risk drivers who are prone to accidents and violations could pay around $3,502 or more
  • Policy cost with full coverage for a 16-year-old driver with full coverage can cost $6,050 each year

View Chart as Image

Jeep Gladiator insurance cost comparison chart
Column chart showing full coverage Jeep Gladiator insurance rates range from $918 to $6,050

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.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,500 annually on average, or $125 per month, for full coverage. Rates are much higher 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. High-risk driver insurance ranges from 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $650 annually, while increasing your policy's 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 be forced to pay as much as $2,170 on average in New York, Michigan, and Florida.

Jeep Gladiator Insurance Rates by State
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%

View Chart as Image

Jeep Gladiator insurance rates by U.S. city

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, so the rates will be varied between companies.

Jeep Gladiator Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Jeep Gladiator $320 $640 $470 $1,610

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 Right Jeep Gladiator Insurance

Finding cheaper rates on insurance for a Jeep Gladiator takes being a safe and courteous driver, having a good credit history, not filing small claims, and maximizing policy discounts. Invest time comparing rates at every other renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a quick rundown of the concepts that were covered in the charts and tables above.

  • Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,890 more per year for auto insurance
  • Teenage drivers are expensive to insure, as much as $504 each month including comprehensive and collision insurance
  • You may be able to save around $200 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles could save up to $650 each year
  • You may be able to save around $200 per year simply by shopping early and online

Rates by Driver Age

Jeep Gladiator Insurance 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

Jeep Gladiator Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,036
$250 $1,838
$500 $1,610
$1,000 $1,392

Full coverage, driver age 40

Rates by Liability Limit

Jeep Gladiator Insurance Rates with Different Liability Limits
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

Jeep Gladiator Insurance 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.

SR-22 Surcharge $229

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
Rate after discounts $918

Discounts are estimated and may not be available from every company or in every state.

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