Updated: October 25, 2024
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The age of the driver can significantly affect the cost of insuring a Jeep Gladiator. 16-year-olds typically spend more than four times as much as 40-year-olds on annual car insurance for a 2020 model ($6,713 versus $1,483). Insuring a 2022 model for a 16-year-old is about $6,904 a year, compared to $1,525 for a 40-year-old.
MoneyGeek analyzed the best insurance companies for Jeep Gladiators based on their customer service, claims experience and affordability.
Car Insurance CostsJeep GladiatorTable of Contents
Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze average rates for a Jeep Gladiator.
These rates were updated to reflect the average cost of car insurance for a Jeep Gladiator as of 2023.
To get the cheapest rate on car insurance for your Jeep Gladiator, you should compare costs between different providers. State Farm offers the most affordable average premium for full coverage at $1,197 annually, whereas Farmers is the most expensive at $1,869. State Farm also provides the lowest rate for minimum coverage at $501 per year, and Progressive has the highest at $781.
| State Farm | $1,197 |
| Travelers | $1,215 |
| GEICO | $1,230 |
| Nationwide | $1,378 |
| Allstate | $1,736 |
| Progressive | $1,856 |
| Farmers | $1,869 |
The Jeep Gladiator is a moderately expensive car to insure due to its value and maintenance cost. The 2022 Jeep Gladiator has an MSRP (manufacturer's suggested retail price) value of $36,910. Insurance companies use various factors to determine the cost of car insurance for any car model. Generally, some models tend to be more expensive to insure because of the vehicle’s value, high repair costs or above-average theft rates.
When shopping for Jeep Gladiator insurance, it’s essential to consider more than just cost. The best car insurers will offer great service, claims experience and affordability. MoneyGeek’s top companies for insuring your Jeep Gladiator are:
Travelers earned high marks for affordability and quality service to emerge as the best overall insurer for a Jeep Gladiator.
High score in affordability
Excellent customer satisfaction rating
Offers gap insurance
Doesn't offer Original Equipment Manufacturer (OEM) coverage
Lacks Total Loss Deductible Waiver
Travelers stands out for its top-notch customer service and affordable rates. It also offers additional coverages to protect your Jeep Gladiator, including New Car Replacement, Accident Forgiveness and Roadside Assistance.
Travelers New Car Replacement coverage provides Jeep Gladiator drivers extra security in the event of a total loss in the first five years of ownership, allowing you to get a replacement vehicle of the same make and model.
Travelers Responsible Driver Plan ensures your premiums won’t increase after your first at-fault accident within a certain period of safe driving. With its Roadside Assistance coverage, the company will cover flat tire changes, towing, fuel delivery and lockout services. This coverage keeps you from being stranded in the event of an emergency.
Top score in affordability
Ranks highly in customer satisfaction
Offers Roadside Assistance Coverage
Low claims management score
Limited add-on coverages
State Farm is our runner-up provider of auto insurance for the Jeep Gladiator. It offers various coverage options that can be beneficial in an accident, such as Roadside Assistance and Car Rental and Travel Expenses coverage.
The company’s Roadside Assistance option gives you access to mechanical labor for up to an hour, towing to the closest repair shop and locksmith labor if your key is lost, stolen or locked in the car.
State Farm’s Car Rental and Travel Expense coverage will reimburse you for a rental car if your vehicle needs repairs following a covered loss. It will also reimburse up to $500 of your deductible if you get into an accident in your rental car. The company will cover up to $500 of meals, lodging and transportation expenses if the accident occurs more than 50 miles away from your home.
The age of your car impacts the average cost of your car insurance. If you own a Jeep Gladiator, the annual cost of a full coverage policy for a 2020 model is $1,483 per year, while you'll have to pay $1,525 annually to insure a 2022 model. Generally, insuring a newer model is more expensive than an older one because the value of a car decreases over time.
| 2022 | $1,525 |
| 2021 | $1,493 |
| 2020 | $1,483 |
Auto insurance rates for the Jeep Gladiator vary between providers. State Farm is the most affordable insurer on average for a 2020 Jeep Gladiator, with an annual rate of $1,176. For the 2022 model year, State Farm and Travelers have the same average rate of $1,220 per year.
| Travelers | $1,220 |
| State Farm | $1,220 |
| GEICO | $1,255 |
| Nationwide | $1,365 |
| Progressive | $1,846 |
| Allstate | $1,854 |
| Farmers | $1,910 |
Teen drivers typically pay more for car insurance than adults in their 30s and 40s. The average cost of insuring a Jeep Gladiator for a 16-year-old is significantly higher than that for a 40-year-old. A 16-year-old Jeep Gladiator driver pays an average of $6,792 per year for car insurance, while a 40-year-old driver pays $1,500 annually.
Car insurance rates for teens decrease yearly as they age but tend to steady in their 20s.
By comparing different providers, teens can get more affordable premiums. State Farm offers annual premiums of $3,912 for an average full coverage policy for 16-year-olds driving a 2022 Jeep Gladiator, while Progressive charges $9,833 per year for the same plan. These high prices are for individual plans, but teen drivers can save money by joining a family policy.
| State Farm | $3,912 |
| Travelers | $4,831 |
| Nationwide | $5,384 |
| GEICO | $5,912 |
| Allstate | $8,583 |
| Farmers | $9,487 |
| Progressive | $9,833 |
Where you live plays an equally important role in your car insurance premiums, in addition to your age and vehicle model. Average rates vary state by state, with Florida having the highest prices and Idaho having the lowest. Researching the most affordable insurers in your state helps you get the best rate on your Jeep Gladiator.
| Alabama | Nationwide | $709 | $59 |
| Alaska | State Farm | $699 | $58 |
| Arizona | Root Insurance Company | $682 | $57 |
| Arkansas | State Farm | $629 | $52 |
| California | AAA California | $1,001 | $83 |
| Colorado | American National P&C | $541 | $45 |
| Connecticut | GEICO | $693 | $58 |
| Delaware | State Farm | $881 | $73 |
| District of Columbia | GEICO | $662 | $55 |
| Florida | State Farm | $1,058 | $88 |
| Georgia | Country Financial | $665 | $55 |
| Hawaii | GEICO | $565 | $47 |
| Idaho | American National P&C | $299 | $25 |
| Illinois | Country Financial | $663 | $55 |
| Indiana | American Family | $555 | $46 |
| Iowa | State Farm | $509 | $42 |
| Kansas | Nationwide | $670 | $56 |
| Kentucky | Nationwide | $790 | $66 |
| Louisiana | Louisiana Farm Bureau | $1,048 | $87 |
| Maine | Concord Group | $521 | $43 |
| Maryland | Progressive | $938 | $78 |
| Massachusetts | State Farm | $483 | $40 |
| Michigan | GEICO | $898 | $75 |
| Minnesota | State Farm | $797 | $66 |
| Mississippi | Direct General Insurance | $723 | $60 |
| Missouri | Nationwide | $909 | $76 |
| Montana | Progressive | $437 | $36 |
| Nebraska | American National P&C | $405 | $34 |
| Nevada | CSAA | $940 | $78 |
| New Hampshire | State Farm | $540 | $45 |
| New Jersey | Plymouth Rock Assurance | $895 | $75 |
| New Mexico | State Farm | $644 | $54 |
| New York | Kemper | $781 | $65 |
| North Carolina | Erie | $630 | $52 |
| North Dakota | American Family | $616 | $51 |
| Ohio | Nationwide | $485 | $40 |
| Oklahoma | State Farm | $662 | $55 |
| Oregon | State Farm | $706 | $59 |
| Pennsylvania | Nationwide | $580 | $48 |
| Rhode Island | State Farm | $700 | $58 |
| South Carolina | American National P&C | $463 | $39 |
| South Dakota | Allstate | $746 | $62 |
| Tennessee | State Farm | $579 | $48 |
| Texas | State Farm | $699 | $58 |
| Utah | Nationwide | $725 | $60 |
| Vermont | State Farm | $493 | $41 |
| Virginia | American Family | $601 | $50 |
| Washington | PEMCO | $534 | $44 |
| West Virginia | Erie | $784 | $65 |
| Wisconsin | GEICO | $556 | $46 |
| Wyoming | State Farm | $745 | $62 |
Jeep Gladiator owners often wonder who offers the best and the most affordable insurance. MoneyGeek answered the most commonly asked questions to help you decide.
The average cost of insurance for a Jeep Gladiator is $1,544 per year. Our data shows that State Farm offers the most affordable insurance for the Jeep Gladiator at an average of $1,197 annually.
Travelers offers the best car insurance for a Jeep Gladiator, earning a MoneyGeek score of 91 out of 100. This score surpasses State Farm and other major insurers. This company combines affordability, quality service and claims experience, making it an excellent value for the money.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
