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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Estimated insurance rates for a Jeep Gladiator are $1,588 a year including full coverage. Comprehensive costs on average $310 each year, collision costs $612, and liability coverage is $486. A liability-only policy costs around $548 a year, with high-risk insurance costing around $3,452. Teenage drivers pay the most at $6,000 a year or more.
Average premium for full coverage: $1,588
Premium estimates by type of coverage:
These estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Gladiator models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Jeep Gladiator go from as low as $548 for just the minimum liability insurance to a high rate of $3,452 for coverage for higher-risk drivers.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.
The graphic below illustrates the effect of geographic area on car insurance rates.
These rate differences highlight why all drivers should compare rates quotes based on a specific location and risk profile, rather than using 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.
Additional Rate Analysis
The chart below breaks down estimated Jeep Gladiator insurance rates for different risk profiles and scenarios.
- The best discount rate is $909
- Raising to $1,000 deductibles will save around $208 every year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,588
- Using low deductibles will increase the cost to $1,998
- Unlucky drivers who are prone to accidents and violations could pay upwards of $3,452 or more
- An auto insurance policy for full coverage for a teenage driver may cost $6,000
Auto insurance prices for a Jeep Gladiator also have a wide range based on your driving characteristics, the model of your Gladiator, and policy deductibles and limits.
More mature drivers with a good driving record and high deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $6,000 a year. View Rates by Age
Where you choose to live also has a big influence on Jeep Gladiator insurance rates. A middle-age driver might find prices as low as $1,220 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,260 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,434 | -$154 | -9.7% |
| Alaska | $1,218 | -$370 | -23.3% |
| Arizona | $1,316 | -$272 | -17.1% |
| Arkansas | $1,588 | -$0 | 0.0% |
| California | $1,806 | $218 | 13.7% |
| Colorado | $1,516 | -$72 | -4.5% |
| Connecticut | $1,630 | $42 | 2.6% |
| Delaware | $1,796 | $208 | 13.1% |
| Florida | $1,984 | $396 | 24.9% |
| Georgia | $1,466 | -$122 | -7.7% |
| Hawaii | $1,138 | -$450 | -28.3% |
| Idaho | $1,076 | -$512 | -32.2% |
| Illinois | $1,180 | -$408 | -25.7% |
| Indiana | $1,198 | -$390 | -24.6% |
| Iowa | $1,070 | -$518 | -32.6% |
| Kansas | $1,506 | -$82 | -5.2% |
| Kentucky | $2,164 | $576 | 36.3% |
| Louisiana | $2,350 | $762 | 48.0% |
| Maine | $980 | -$608 | -38.3% |
| Maryland | $1,310 | -$278 | -17.5% |
| Massachusetts | $1,268 | -$320 | -20.2% |
| Michigan | $2,754 | $1,166 | 73.4% |
| Minnesota | $1,328 | -$260 | -16.4% |
| Mississippi | $1,902 | $314 | 19.8% |
| Missouri | $1,406 | -$182 | -11.5% |
| Montana | $1,704 | $116 | 7.3% |
| Nebraska | $1,250 | -$338 | -21.3% |
| Nevada | $1,902 | $314 | 19.8% |
| New Hampshire | $1,144 | -$444 | -28.0% |
| New Jersey | $1,774 | $186 | 11.7% |
| New Mexico | $1,404 | -$184 | -11.6% |
| New York | $1,672 | $84 | 5.3% |
| North Carolina | $914 | -$674 | -42.4% |
| North Dakota | $1,302 | -$286 | -18.0% |
| Ohio | $1,094 | -$494 | -31.1% |
| Oklahoma | $1,628 | $40 | 2.5% |
| Oregon | $1,454 | -$134 | -8.4% |
| Pennsylvania | $1,510 | -$78 | -4.9% |
| Rhode Island | $2,116 | $528 | 33.2% |
| South Carolina | $1,440 | -$148 | -9.3% |
| South Dakota | $1,340 | -$248 | -15.6% |
| Tennessee | $1,386 | -$202 | -12.7% |
| Texas | $1,910 | $322 | 20.3% |
| Utah | $1,172 | -$416 | -26.2% |
| Vermont | $1,086 | -$502 | -31.6% |
| Virginia | $950 | -$638 | -40.2% |
| Washington | $1,224 | -$364 | -22.9% |
| West Virginia | $1,454 | -$134 | -8.4% |
| Wisconsin | $1,098 | -$490 | -30.9% |
| Wyoming | $1,414 | -$174 | -11.0% |
Using high physical damage deductibles can reduce prices by up to $620 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $438 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,900 to $2,600 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Gladiator | $332 | $656 | $450 | $1,618 |
| 2023 Jeep Gladiator | $320 | $640 | $470 | $1,610 |
| 2022 Jeep Gladiator | $310 | $612 | $486 | $1,588 |
| 2021 Jeep Gladiator | $292 | $592 | $500 | $1,564 |
| 2020 Jeep Gladiator | $282 | $548 | $510 | $1,520 |
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 Cheap Jeep Gladiator Insurance
Finding better rates on auto insurance consists of being a safe and courteous driver, having good credit, refrain from filing small claims, and taking advantage of discounts. Take the time to compare rates at least once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below is a brief summary of the primary concepts that were covered in the above illustrations.
- You may be able to save as much as $190 per year simply by quoting online in advance
- Drivers that tend to have accidents or serious violations may pay on average $1,860 more each year for auto insurance
- Increasing policy deductibles can save around $625 each year
- Teenage drivers are charged the highest prices, with the cost nearing $500 per month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,000 |
| 20 | $3,688 |
| 30 | $1,650 |
| 40 | $1,588 |
| 50 | $1,452 |
| 60 | $1,424 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,998 |
| $250 | $1,806 |
| $500 | $1,588 |
| $1,000 | $1,380 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,588 |
| 50/100 | $1,685 |
| 100/300 | $1,807 |
| 250/500 | $2,123 |
| 100 CSL | $1,734 |
| 300 CSL | $2,001 |
| 500 CSL | $2,196 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,566 |
| 20 | $5,878 |
| 30 | $3,524 |
| 40 | $3,452 |
| 50 | $3,296 |
| 60 | $3,270 |
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 | $84 |
| Multi-vehicle | $85 |
| Homeowner | $24 |
| 5-yr Accident Free | $118 |
| 5-yr Claim Free | $103 |
| Paid in Full/EFT | $73 |
| Advance Quote | $79 |
| Online Quote | $113 |
| Total Discounts | $679 |
Discounts are estimated and may not be available from every company or in every state.
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