Full coverage for a Jeep Gladiator ranges from $1,147 to $6,663 annually. Rates depend on the car's year, driver's age, location, driving history and insurer. This article explores Jeep Gladiator insurance costs and highlights the best and most affordable providers.
Jeep Gladiator Insurance Cost
Updated: March 18, 2025
Key Takeaways
State Farm offers the most affordable minimum coverage across all Jeep Gladiator model years at $501 annually.
A Jeep Gladiator's average annual insurance cost is $604 for minimum coverage and $1,554 for full coverage.
MoneyGeek analyzed 896 Jeep Gladiator insurance quotes from Quadrant Information Services to provide these insights.
Jeep Gladiator Insurance Rates
What Is the Average Jeep Gladiator Car Insurance Cost?
The average cost of full coverage insurance for a Jeep Gladiator is $130 per month or $1,554 per year, based on a 40-year-old male driver with a clean record. Minimum coverage averages $50 monthly or $604 annually.
| Minimum Coverage | $604 |
| Full Coverage | $1,554 |
Jeep Gladiator Insurance Costs by Company
Jeep Gladiator insurance costs range from $1,177 to $2,842 annually, depending on age, model year and coverage level. Below, a table compares average Jeep Gladiator insurance rates with the averages for all vehicles from several national and mid-size providers.
| Allstate | $1,805 | $1,809 | 0% |
| Auto-Owners | $1,272 | $1,226 | 4% |
| Farmers | $1,961 | $1,954 | 0% |
| GEICO | $1,231 | $1,331 | -8% |
| Kemper | $2,842 | $2,208 | 29% |
| Nationwide | $1,465 | $1,587 | -8% |
| Progressive | $1,890 | $1,741 | 9% |
| State Farm | $1,218 | $1,268 | -4% |
| Travelers | $1,218 | $1,521 | -20% |
| USAA | $1,177 | $1,199 | -2% |
Read more: Best Car Insurance Companies
Cost of Insuring a Jeep Gladiator by Model Year
The year your Jeep Gladiator was produced can affect your insurance rates, with older models generally costing less. For example, full coverage for a 2022 model costs $1,576 annually, while it costs $1,551 for a 2020 model. Below are the average full and minimum coverage rates for every production year.
| 2022 | $612 | $1,576 |
| 2021 | $613 | $1,558 |
| 2020 | $622 | $1,551 |
Jeep Gladiator Insurance Costs by Driver Age
Jeep Gladiator insurance rates vary greatly depending on the driver's age. For example, 16-year-olds pay around $6,663 annually for full coverage, while 40-year-olds pay about $1,561. Below are the average minimum and full coverage rates for different ages.
| 16 | $2,774 | $6,663 |
| 17 | $2,270 | $5,440 |
| 18 | $1,977 | $4,799 |
| 19 | $1,405 | $3,431 |
| 20 | $1,263 | $3,128 |
| 21 | $1,005 | $2,537 |
| 22 | $917 | $2,334 |
| 23 | $850 | $2,180 |
| 24 | $806 | $2,075 |
| 25 | $718 | $1,854 |
| 26 | $699 | $1,811 |
| 27 | $682 | $1,768 |
| 28 | $671 | $1,740 |
| 29 | $661 | $1,716 |
| 30 | $638 | $1,652 |
| 35 | $622 | $1,595 |
| 40 | $616 | $1,561 |
| 45 | $610 | $1,538 |
| 50 | $596 | $1,490 |
| 55 | $581 | $1,451 |
| 60 | $581 | $1,446 |
| 65 | $619 | $1,498 |
| 70 | $672 | $1,600 |
| 75 | $748 | $1,750 |
| 80 | $846 | $1,937 |
| 85 | $914 | $2,072 |
| 90 | $963 | $2,165 |
Jeep Gladiator Insurance Rates Explained
Several factors influence a driver's car insurance rates, including their profile and vehicle-related details. Below is a breakdown of key vehicle factors that impact insurance costs.
Jeep Gladiator Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Jeep Gladiator
Average Full Coverage Rate
$1,554Premiums for Jeep Gladiator are:$258 more
This is 20% more expensive.
Value
The Jeep Gladiator’s MSRP of $64,890 classifies it as a luxury vehicle, which can lead to higher insurance costs due to the increased expense of repairs or replacement.
Performance
The Jeep Gladiator delivers 285 horsepower and goes from 0 to 60 mph in 7.2 seconds. While not high-performance, its power output could slightly impact insurance rates due to perceived risk.
Vehicle age
Newer Jeep Gladiators typically cost more to insure than older ones. However, collector and classic vehicles can also be very expensive.
Vehicle size
Larger vehicles often have higher insurance costs due to greater property damage potential. With a weight of 5,050 lbs, the Jeep Gladiator may be more expensive to insure than smaller vehicles.
Trim level
Higher trim levels typically include premium upgrades, increasing the MSRP and insurance costs. A Jeep Gladiator with a higher trim level will thus be more expensive to insure than the base model.
Theft rates
Vehicles with a higher theft risk often result in higher insurance costs. The Jeep Gladiator's theft relative claims frequency of 123 could increase its insurance rates.
Cheapest Jeep Gladiator Insurance
State Farm offers the most affordable minimum coverage for a Jeep Gladiator at $501 annually, based on a 40-year-old male driver with a clean record. Below is a detailed breakdown of the cheapest auto insurance rates for various coverage levels, age groups, driving records, model years and more.
Cheapest Jeep Gladiator Insurance by Coverage Level
Choosing the right coverage level greatly impacts your Jeep Gladiator insurance rate. State Farm provides the most affordable minimum and full coverage rates. Below is a breakdown of the cheapest providers for each type.
Cheapest Jeep Gladiator Minimum Coverage
State Farm provides the cheapest minimum coverage for a Jeep Gladiator at $42 monthly. Other competitive options include GEICO at $43, Travelers at $48 and Nationwide at $53.
| USAA | $39 | $470 |
| State Farm | $42 | $501 |
| GEICO | $43 | $519 |
| Travelers | $48 | $580 |
| Nationwide | $53 | $635 |
| Allstate | $55 | $662 |
| Farmers | $57 | $683 |
| Progressive | $63 | $752 |
*State Farm offers non-military-affiliated Jeep Gladiator owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Jeep Gladiator Insurance Rates by Model Year
The above list doesn't account for your Jeep Gladiator's production year, so you might find lower rates depending on your vehicle's age. Filter the table below and find the cheapest minimum coverage rates for each production year.
Data filtered by:Results filtered by:
Select
Model Year:2020
| Allstate | $659 | $55 |
| Farmers | $677 | $56 |
| GEICO | $522 | $44 |
| Nationwide | $640 | $53 |
| Progressive | $818 | $68 |
| State Farm | $504 | $42 |
| Travelers | $585 | $49 |
| USAA | $448 | $37 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Jeep Gladiator Insurance
State Farm offers the cheapest full coverage insurance for a Jeep Gladiator at $1,197 annually or $100 monthly. Below is the complete list of full coverage providers and rates.
| USAA | $96 | $1,147 |
| State Farm | $100 | $1,197 |
| GEICO | $102 | $1,218 |
| Travelers | $102 | $1,222 |
| Nationwide | $115 | $1,380 |
| Allstate | $145 | $1,737 |
| Progressive | $152 | $1,827 |
| Farmers | $154 | $1,842 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Jeep Gladiator owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Jeep Gladiator Insurance by Age
Drivers aged 16 to 25 and 55+ often pay more for Jeep Gladiator insurance. Below is a breakdown of the cheapest options by age.
Cheapest Jeep Gladiator Insurance for Young Drivers
The cheapest car insurance for young drivers is from State Farm at $92 monthly or $1,098 annually for minimum coverage. Below is the complete list of affordable rates for Jeep Gladiator drivers aged 16 to 25.
| USAA | $82 | $985 |
| State Farm | $92 | $1,098 |
| Travelers | $98 | $1,173 |
| GEICO | $102 | $1,229 |
| Allstate | $127 | $1,529 |
| Nationwide | $139 | $1,663 |
| Farmers | $150 | $1,802 |
| Progressive | $176 | $2,110 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Jeep Gladiator Insurance for Seniors
State Farm offers the most affordable car insurance for seniors 55 and up, starting at $46 per month or $551 annually. Below is a full list of cheap Jeep Gladiator insurers.
| State Farm | $46 | $551 |
| GEICO | $51 | $617 |
| USAA | $52 | $626 |
| Travelers | $57 | $686 |
| Nationwide | $62 | $745 |
| Allstate | $67 | $806 |
| Farmers | $77 | $929 |
| Progressive | $80 | $956 |
Cheapest Jeep Gladiator Insurance After an Accident
State Farm, GEICO and Travelers offer Jeep Gladiator drivers the cheapest car insurance after an accident. For more choices, check out the complete list below.
| State Farm | $52 | $629 |
| USAA | $59 | $712 |
| GEICO | $68 | $819 |
| Travelers | $69 | $829 |
| Allstate | $75 | $902 |
| Nationwide | $81 | $971 |
| Progressive | $104 | $1,242 |
| Farmers | $111 | $1,328 |
Jeep Gladiator Insurance Cost: Bottom Line
Regularly comparing rates from different providers helps you find the most affordable car insurance. This article breaks down Jeep Gladiator insurance costs by demographics and highlights the cheapest providers.
Jeep Gladiator Insurance Rates: FAQ
Below are answers to common questions about Jeep Gladiator insurance costs.
What company has the cheapest car insurance for a Jeep Gladiator?
State Farm offers the cheapest insurance for a Jeep Gladiator, with an annual minimum coverage rate of $501.
What is the average cost of car insurance for a Jeep Gladiator?
The average annual cost of minimum coverage for a Jeep Gladiator is $604, while full coverage averages $1,554.
Jeep Gladiator Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 896 Jeep Gladiator insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Jeep Gladiator:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Jeep Gladiator insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Jeep Gladiator.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.