Jeep Gladiator Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 9, 2024
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The average insurance rates for a Jeep Gladiator are $1,610 a year for full coverage insurance. Comprehensive insurance costs around $320, collision insurance costs $640, and liability is estimated at $470. Buying just liability costs approximately $536 a year, and insurance for high-risk drivers costs $3,502 or more. 16-year-old drivers cost the most to insure at up to $6,050 a year.
Average premium for full coverage: $1,610
Policy rates for type of insurance:
Prices are based on $500 deductible amounts, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Gladiator models.
Price Range Variability
Using a middle-aged driver as an example, Jeep Gladiator insurance rates range from as low as $536 for basic liability insurance to the much higher price of $3,502 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than congested cities. The example below illustrates how where you live affects auto insurance rates.
The examples above illustrate why everyone should get quotes for a specific zip code and risk profile, instead of making a decision based on rate 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.
Rate Comparisons
The chart below illustrates average Jeep Gladiator insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $918
- Choosing higher $1,000 deductibles can save about $218 each year
- The average rate for a good driver age 40 using $500 deductibles is $1,610
- Buying pricier low deductibles for comp and collision coverage will cost an extra $426 annually
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,502
- Policy cost for full coverage for a 16-year-old driver for full coverage can be $6,050 each year
Insurance rates for a Jeep Gladiator also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles may pay as low as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $6,000 a year. View Rates by Age
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 $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,170 on average in Michigan, New York, and Florida.
| 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% |
Opting for high physical damage deductibles can save as much as $650 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $423 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,900 to $2,600 extra every year, depending on your age. Jeep Gladiator insurance for high-risk drivers ranges from 43% to 132% more than the average rate. 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 Affordable Jeep Gladiator Insurance
Finding cheaper rates on insurance for a Jeep Gladiator takes having a good driving record, maintaining good credit, being claim-free, and dropping full coverage on older vehicles. Take the time to comparison shop once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The next list is a brief review of the data that was touched on in the above illustrations.
- It is possible to save up to $200 per year just by quoting online well ahead of the renewal date
- Insureds who may need increased levels of liability coverage will pay around $520 annually to raise limits from a 30/60 limit to 250/500 limits
- Drivers age 20 and younger pay higher rates, possibly costing $504 each month for full coverage
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,890 more every year to buy Jeep Gladiator insurance
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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