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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Average insurance prices for a Jeep Gladiator are $1,588 every 12 months including full coverage. Comprehensive insurance costs an estimated $310 each year, collision costs $612, and liability insurance costs $486. A liability-only policy costs as little as $548 a year, with high-risk insurance costing $3,452 or more. 16-year-old drivers receive the highest rates at $6,000 a year or more.
Average premium for full coverage: $1,588
Rate estimates broken down by individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Gladiator models.
Price Range by Coverage and Risk
For an average driver, prices range go from the cheapest price of $548 for basic liability insurance to a high rate of $3,452 for a policy for a high-risk driver.
Price Range by Location
Your location has a significant impact on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than congested cities.
The graphic below illustrates the effect of geographic area on insurance prices.
These examples highlight why all drivers should compare rates for a targeted area and their own driving history, rather than relying 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 breaks down estimated Jeep Gladiator insurance rates for other coverage scenarios.
- The best full coverage rate is $909
- Drivers who choose higher $1,000 deductibles will pay approximately $208 every year
- The average price for a 40-year-old driver who has $500 deductibles is $1,588
- Buying low deductibles for comprehensive and collision insurance costs an extra $410 a year
- High risk drivers with multiple tickets or accidents could pay up to $3,452 or more
- The cost to insure a teen driver can cost as much as $6,000 a year
Insurance rates for a Jeep Gladiator can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.
Opting for high physical damage deductibles could save up to $620 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $438 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles could pay as little as $1,500 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay at least $6,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying $1,900 to $2,600 extra per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates
Where you live makes a big difference in Jeep Gladiator insurance rates. A 40-year-old driver could pay as low as $1,220 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,260 on average in Louisiana, New York, and Michigan.
| 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% |
With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, so the rates can be significantly different.
| 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 Shop for the Best Jeep Gladiator Insurance
Saving money on Jeep Gladiator insurance not only requires having a decent driving record, but also having good credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates every year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The following items are a brief recap of the coverage data covered in the above illustrations.
- You may be able to save approximately $190 per year simply by quoting online in advance
- Increasing deductibles could save as much as $625 each year
- 16 to 18-year-old drivers are charged the highest rates, as much as $500 per month if they have full coverage
- High-risk drivers who tend to receive serious violations may have to pay on average $1,860 more annually than a driver with a clean driving record
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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