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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The average auto insurance rates for a Jeep Gladiator are $1,588 annually with full coverage. Comprehensive insurance costs around $310 each year, collision costs $612, and liability insurance is $486. Liability-only insurance costs around $548 a year, with high-risk driver insurance costing $3,452 or more. Teen drivers cost the most to insure at $6,000 a year or more.
Average premium for full coverage: $1,588
Policy rates for type of insurance:
Prices include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Gladiator models.
Price Range Variability
Using a 40-year-old driver as an example, Jeep Gladiator insurance rates go from as cheap as $548 for minimum levels of liability insurance to a high rate of $3,452 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are shown to have fewer collision claims than larger metro areas.
The graphic below illustrates how rural and urban location affects auto insurance rates.
The examples above demonstrate why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, 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 details estimated Jeep Gladiator insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $909
- Raising to $1,000 deductibles will save about $208 annually
- The estimated rate for a good driver age 40 using $500 deductibles is $1,588
- Choosing low deductibles costs an additional $410 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,452 or more
- Policy cost with full coverage for a teen driver can be $6,000
Auto insurance rates for a Jeep Gladiator also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.
More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $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 at least $1,900 to $2,600 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $620 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $438 extra every year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Jeep Gladiator insurance rates. A middle-age driver might find rates as low as $1,140 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,140 on average in Florida, Michigan, and New York.
| 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% |
Because rates have so much variability, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted rates will be varied between companies.
| 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 Buy the Right Jeep Gladiator Insurance
Finding cheaper rates on Jeep Gladiator insurance consists of being a good driver, having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to shop around at every policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following list is a quick rundown of the data raised in the charts and tables above.
- Drivers who may need an increased level of liability coverage will pay about $540 every year to raise from a 30/60 limit to higher 250/500 limits
- You may be able to save up to $190 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $625 each year
- Drivers age 16 to 20 are expensive to insure, as much as $500 each month if full coverage is included
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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