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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Average insurance rates for a Jeep Gladiator are $1,610 a year including full coverage. Comprehensive insurance costs approximately $320, collision insurance costs $640, and liability insurance is estimated at $470. A policy with just liability insurance costs approximately $536 a year, and coverage for high-risk drivers costs $3,502 or more. Teen 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:

Comprehensive $320
Collision $640
Liability $470

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different Gladiator trim levels.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $536 for minimum levels of liability insurance to a much higher rate of $3,502 for coverage for higher-risk drivers.

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

Price Range by Location

Living in a larger city has a significant impact on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The price range example below illustrates how location impacts auto insurance prices.

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

These examples highlight why anyone shopping for car insurance should get quotes using their specific location and risk profile, rather than relying on price 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 Rate Details

The chart below breaks down average Jeep Gladiator insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $918
  • Choosing higher $1,000 deductibles can save $218 every year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,610
  • Choosing more expensive low deductibles for comp and collision coverage will cost an extra $426 a year
  • High-risk insureds with multiple violations and an at-fault accident could pay around $3,502
  • The cost for full coverage for a teen driver with full coverage can cost $6,050 each year

View Chart as Image

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

Insurance rates for a Jeep Gladiator can also vary considerably based on your driver profile, the model of your Gladiator, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles could pay as little as $1,500 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $6,000 a year. View Rates by Age

Where you live plays a big part in determining prices for Jeep Gladiator insurance rates. A good driver about age 40 could pay as low as $1,230 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,300 on average in Louisiana, New York, and Michigan.

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

Choosing high deductibles can save as much as $650 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $423 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,900 to $2,600 additional per year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 132% more than average. View High Risk Driver Rates

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 Find the Right Jeep Gladiator Insurance

Saving money on Jeep Gladiator insurance takes avoiding accidents and violations, having a good credit history, not filing small claims, and consideration of higher deductibles. Spend time shopping around at least once a year by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The list below is a quick rundown of the primary concepts that were touched on above.

  • You may be able to save around $200 per year just by shopping early and online
  • High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,890 more per year for car insurance
  • Increasing deductibles can save around $650 each year
  • Teenagers are the costliest to insure, as much as $504 per month including comprehensive and collision insurance

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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