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 with full coverage. Comprehensive costs around $310, collision costs $612, and liability costs $486. Buying just liability costs as little as $548 a year, with insurance for high-risk drivers costing around $3,452. 16-year-old drivers receive the highest rates at $6,000 a year or more.
Average premium for full coverage: $1,588
Rate estimates for individual coverage type:
Prices are based on $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different Gladiator trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $548 for minimum levels of liability insurance to a much higher rate of $3,452 for high-risk insurance.
Price Range by Location
Your location can have significant affects on insurance rates. Areas with sparse population tend to have more infrequent collision claims than congested cities.
The price range example below illustrates how geographic area affects auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of using 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.
Additional Rate Details
The chart below details estimated Jeep Gladiator insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $909
- Drivers who choose higher $1,000 deductibles will pay about $208 annually
- The average price for a 40-year-old driver using $500 deductibles is $1,588
- Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $1,998
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,452 or more
- The cost to insure a teen driver with full coverage can be $6,000 a year
Auto insurance rates for a Jeep Gladiator can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.
Opting for high physical damage deductibles could save up to $620 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $438 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $1,500 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay as much as $6,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,900 to $2,600 in extra premium per year, depending on your age. High-risk driver insurance can cost as much as 43% to 133% more than the average rate. View High Risk Driver Rates
Where you live makes a big difference in Jeep Gladiator insurance prices. A 40-year-old driver could pay as low as $1,140 a year in states like New Hampshire, Ohio, and Utah, or at least $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% |
With so much variability in rates, the best way to find out your exact price is to compare rates and see which company has the best rate. Every company utilizes a different rate formula, and quoted 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 Affordable Jeep Gladiator Insurance
Saving money on car insurance not only requires being a good driver, but also having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every couple of years by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following list is a brief review of the material that was presented in the illustrations above.
- Policyholders who may need an increased level of liability coverage will pay around $540 every year to go from a minimum limit to a 250/500 level
- Drivers age 16 to 20 are expensive to insure, with premiums as much as $500 per month if comprehensive and collision insurance is included
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,860 more every year than a safer driver
- Increasing deductibles could save as much as $625 each year
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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