Jeep Gladiator Insurance Rates
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UPDATED: Jun 9, 2024
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U.S. average insurance prices for a Jeep Gladiator are $1,618 every 12 months including full coverage. Comprehensive costs on average $332 a year, collision costs $656, and liability insurance costs around $450. A policy with just liability insurance costs as low as $518 a year, with coverage for high-risk drivers costing around $3,512. 16-year-old drivers pay the highest rates at $6,038 a year or more.
Average premium for full coverage: $1,618
Price estimates by individual coverage:
Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Gladiator trim levels.
Price Range from Low to High
For an average driver, Jeep Gladiator insurance prices go from the cheapest price of $518 for just the minimum liability insurance to a high of $3,512 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live has a significant impact on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than congested cities.
The diagram below illustrates the effect of geographic area on car insurance rates.
The ranges above highlight why it is important to compare prices based on a specific location 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.
Additional Rate Analysis
The chart below breaks down estimated Jeep Gladiator insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $924
- Using higher $1,000 deductibles will save around $1,394 every year
- The average price for the average middle-age driver with $500 deductibles is $1,618
- Buying low $100 deductibles for physical damage coverage increases the price to $2,054
- Drivers with multiple tickets or accidents could pay upwards of $3,512 or more
- The price to insure a teen driver may cost $6,038 or more
Insurance prices for a Jeep Gladiator are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your Gladiator.
Opting for high physical damage deductibles could cut prices by as much as $660 each year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $405 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $1,500 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay upwards of $6,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Jeep Gladiator insurance rates. A driver around age 40 might see prices as low as $1,240 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,310 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,462 | -$156 | -9.6% |
| Alaska | $1,240 | -$378 | -23.4% |
| Arizona | $1,344 | -$274 | -16.9% |
| Arkansas | $1,618 | -$0 | 0.0% |
| California | $1,844 | $226 | 14.0% |
| Colorado | $1,542 | -$76 | -4.7% |
| Connecticut | $1,660 | $42 | 2.6% |
| Delaware | $1,832 | $214 | 13.2% |
| Florida | $2,022 | $404 | 25.0% |
| Georgia | $1,494 | -$124 | -7.7% |
| Hawaii | $1,160 | -$458 | -28.3% |
| Idaho | $1,096 | -$522 | -32.3% |
| Illinois | $1,204 | -$414 | -25.6% |
| Indiana | $1,220 | -$398 | -24.6% |
| Iowa | $1,090 | -$528 | -32.6% |
| Kansas | $1,536 | -$82 | -5.1% |
| Kentucky | $2,204 | $586 | 36.2% |
| Louisiana | $2,394 | $776 | 48.0% |
| Maine | $998 | -$620 | -38.3% |
| Maryland | $1,334 | -$284 | -17.6% |
| Massachusetts | $1,292 | -$326 | -20.1% |
| Michigan | $2,806 | $1,188 | 73.4% |
| Minnesota | $1,354 | -$264 | -16.3% |
| Mississippi | $1,940 | $322 | 19.9% |
| Missouri | $1,434 | -$184 | -11.4% |
| Montana | $1,736 | $118 | 7.3% |
| Nebraska | $1,274 | -$344 | -21.3% |
| Nevada | $1,940 | $322 | 19.9% |
| New Hampshire | $1,166 | -$452 | -27.9% |
| New Jersey | $1,808 | $190 | 11.7% |
| New Mexico | $1,430 | -$188 | -11.6% |
| New York | $1,704 | $86 | 5.3% |
| North Carolina | $932 | -$686 | -42.4% |
| North Dakota | $1,324 | -$294 | -18.2% |
| Ohio | $1,114 | -$504 | -31.1% |
| Oklahoma | $1,658 | $40 | 2.5% |
| Oregon | $1,480 | -$138 | -8.5% |
| Pennsylvania | $1,542 | -$76 | -4.7% |
| Rhode Island | $2,156 | $538 | 33.3% |
| South Carolina | $1,466 | -$152 | -9.4% |
| South Dakota | $1,366 | -$252 | -15.6% |
| Tennessee | $1,414 | -$204 | -12.6% |
| Texas | $1,948 | $330 | 20.4% |
| Utah | $1,198 | -$420 | -26.0% |
| Vermont | $1,106 | -$512 | -31.6% |
| Virginia | $968 | -$650 | -40.2% |
| Washington | $1,248 | -$370 | -22.9% |
| West Virginia | $1,484 | -$134 | -8.3% |
| Wisconsin | $1,120 | -$498 | -30.8% |
| Wyoming | $1,442 | -$176 | -10.9% |
Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, so the prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Gladiator | $362 | $688 | $420 | $1,650 |
| 2023 Jeep Gladiator | $346 | $660 | $440 | $1,626 |
| 2022 Jeep Gladiator | $332 | $656 | $450 | $1,618 |
| 2021 Jeep Gladiator | $320 | $640 | $470 | $1,610 |
| 2020 Jeep Gladiator | $310 | $612 | $486 | $1,588 |
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
Getting lower rates on Jeep Gladiator insurance requires being safe and accident-free, having good credit, being claim-free, and bundling your home and auto policies. Take the time to compare rates once a year by getting price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a brief recap of the data that was covered in the above illustrations.
- You may be able to save as much as $200 per year simply by quoting early and online
- Drivers who require more liability protection will pay around $500 per year to increase from a low limit to a 250/500 level
- Youthful drivers pay the highest prices, possibly costing $503 a month if they have full coverage
- High-risk drivers who tend to receive serious violations may pay on average $1,890 more each year than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,038 |
| 20 | $3,758 |
| 30 | $1,688 |
| 40 | $1,618 |
| 50 | $1,478 |
| 60 | $1,452 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,054 |
| $250 | $1,850 |
| $500 | $1,618 |
| $1,000 | $1,394 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,618 |
| 50/100 | $1,708 |
| 100/300 | $1,821 |
| 250/500 | $2,113 |
| 100 CSL | $1,753 |
| 300 CSL | $2,001 |
| 500 CSL | $2,181 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,626 |
| 20 | $5,980 |
| 30 | $3,594 |
| 40 | $3,512 |
| 50 | $3,352 |
| 60 | $3,324 |
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 | $85 |
| Homeowner | $23 |
| 5-yr Accident Free | $122 |
| 5-yr Claim Free | $105 |
| Paid in Full/EFT | $76 |
| Advance Quote | $82 |
| Online Quote | $115 |
| Total Discounts | $694 |
Discounts are estimated and may not be available from every company or in every state.
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