Compare the Cost of Jeep Gladiator Insurance by Model Year and Company


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

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.

Key Takeaways

blueCheck icon

When seeking affordable insurance for a Jeep Gladiator, it's clear that State Farm stands out as the most cost-effective option for both full and minimum coverage. Here's a concise summary of the most affordable options:

Full Coverage:
- State Farm:
- Annual Premium: $1,197
- State Farm is highlighted as the cheapest insurer for full coverage, making it an attractive choice for budget-conscious Jeep Gladiator owners. Their customer service and claims experience also enhance their overall value proposition.

Minimum Coverage:
- State Farm:
- Annual Premium: $501
- For those looking for the most basic coverage, State Farm offers the lowest rates, further establishing its position as a leading affordable insurer for a Jeep Gladiator.

Additional Insights:
- Travelers is also a competitive option for full coverage with an annual premium of $1,215 and received high marks for affordability and service.
- For those insuring a newer model, such as the 2022 Jeep Gladiator, both State Farm and Travelers offer competitive average rates of $1,220 per year.

Cost Considerations by Driver Age:
- 16-year-old drivers face significantly higher premiums, with State Farm offering a more budget-friendly option at $3,912 annually for full coverage compared to Progressive’s $9,833 for the same coverage.

Conclusion:
While premiums can vary based on a variety of factors, including age and location, State Farm consistently provides the most affordable rates for both full and minimum coverage for the Jeep Gladiator, making it a top choice for those emphasizing affordability.

blueCheck icon

For those looking to insure a Jeep Gladiator, Travelers emerged as the best overall car insurance provider. This recognition was given based on their high scores for affordability, quality service, and claims experience. Travelers received a MoneyGeek score of 91 out of 100, offering an annual premium for full coverage at $1,215. 

However, if affordability is your top priority, State Farm is the most affordable insurance provider for a Jeep Gladiator, with an annual premium of $1,197 for full coverage and a MoneyGeek score of 90 out of 100. For teen drivers, particularly 16-year-olds who face significantly higher insurance costs, State Farm also offers more competitive rates with an annual premium of $3,912 for a 2022 Jeep Gladiator.

blueCheck icon

The age of a driver significantly affects car insurance premiums, particularly for a model like the Jeep Gladiator. Younger drivers, such as 16-year-olds, face much higher insurance costs compared to older drivers because insurance companies view them as higher-risk due to their inexperience and statistically higher likelihood of being involved in accidents. Conversely, older drivers, such as those around 40 years old, benefit from lower premiums as they are generally seen as more experienced and less risky.

For the Jeep Gladiator, the insurance premiums illustrate these age differences vividly. Consider the following data:

1. 2020 Jeep Gladiator 
- A 16-year-old driver can expect to pay around $6,713 annually.
- A 40-year-old driver pays approximately $1,483 annually.

2. 2022 Jeep Gladiator
- For a 16-year-old, the annual premium is about $6,904.
- A 40-year-old pays roughly $1,525 annually.

These figures indicate that a 16-year-old pays more than four times what a 40-year-old would for the same vehicle, underscoring the substantial impact age has on car insurance costs.

However, as drivers age, their insurance rates tend to decrease. This trend continues through the late teens into the 20s, with rates stabilizing as drivers gain more experience and maintain cleaner driving records. It's important to note that by the time drivers reach their 30s and 40s, the rate decreases tend to level off, provided they maintain a good driving history.

In terms of providers, while State Farm offers the cheapest average premiums for full coverage at $1,197 annually for a Jeep Gladiator, specialized rates for teenagers like $3,912 for a 16-year-old driving a 2022 model suggest there are ways for young drivers to reduce costs, especially by joining family policies.

In conclusion, while insuring a Jeep Gladiator is relatively costly for younger drivers, these rates decrease as the driver ages and gains more driving experience. It remains essential to shop around and compare different insurers to find the best rates tailored to individual circumstances, also considering factors such as location and coverage options.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Why do we need ZIP code?

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze average rates for a Jeep Gladiator.

recency icon

These rates were updated to reflect the average cost of car insurance for a Jeep Gladiator as of 2023.

10Companies Compared
 
8,964 Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Jeep Gladiator

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.

Data filtered by:Results filtered by:
Select
Age:40
Select
Coverage:Full Coverage
State Farm$1,197
Travelers$1,215
GEICO$1,230
Nationwide$1,378
Allstate$1,736
Progressive$1,856
Farmers$1,869

Is a Jeep Gladiator Expensive to Insure?

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.

Best Companies for Insuring a Jeep Gladiator

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: MoneyGeek score 91 out of 100 ($1,215 per year)
  • State Farm: MoneyGeek score 90 out of 100 ($1,197 per year)

Travelers earned high marks for affordability and quality service to emerge as the best overall insurer for a Jeep Gladiator.

MoneyGeek Top Pick: Travelers

Travelers

pros

checkmark

High score in affordability

checkmark

Excellent customer satisfaction rating

checkmark

Offers gap insurance

cons

close

Doesn't offer Original Equipment Manufacturer (OEM) coverage

close

Lacks Total Loss Deductible Waiver

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Travelers Auto Insurance Review

MoneyGeek Runner-Up: State Farm

State Farm

pros

checkmark

Top score in affordability

checkmark

Ranks highly in customer satisfaction

checkmark

Offers Roadside Assistance Coverage

cons

close

Low claims management score

close

Limited add-on coverages

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's State Farm Auto Insurance Review

Cost of Insuring a Jeep Gladiator by Model Year

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.

Data filtered by:Results filtered by:
Select
Age:40
Select
Coverage:Full Coverage
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.

Data filtered by:Results filtered by:
Select
Model Year:2022
Select
Age:40
Select
Coverage:Full Coverage
Travelers$1,220
State Farm$1,220
GEICO$1,255
Nationwide$1,365
Progressive$1,846
Allstate$1,854
Farmers$1,910

Cost of Insuring a Jeep Gladiator for 16- to 25-Year-Olds

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.

Data filtered by:Results filtered by:
Select
Coverage:Full Coverage
16$6,792
17$5,540
18$4,878
19$3,371
20$3,062
21$2,364
22$2,190
23$2,036
24$1,935
25$1,746

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.

Data filtered by:Results filtered by:
Select
Age:16
Select
Model Year:2022
Select
Coverage:Full Coverage
State Farm$3,912
Travelers$4,831
Nationwide$5,384
GEICO$5,912
Allstate$8,583
Farmers$9,487
Progressive$9,833

How Does Location Affect the Cost of Jeep Gladiator Insurance?

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.

Data filtered by:Results filtered by:
Select
Age Group:30-59
Select
Coverage:Full Coverage
AlabamaNationwide$709$59
AlaskaState Farm$699$58
ArizonaRoot Insurance Company$682$57
ArkansasState Farm$629$52
CaliforniaAAA California$1,001$83
ColoradoAmerican National P&C$541$45
ConnecticutGEICO$693$58
DelawareState Farm$881$73
District of ColumbiaGEICO$662$55
FloridaState Farm$1,058$88
GeorgiaCountry Financial$665$55
HawaiiGEICO$565$47
IdahoAmerican National P&C$299$25
IllinoisCountry Financial$663$55
IndianaAmerican Family$555$46
IowaState Farm$509$42
KansasNationwide$670$56
KentuckyNationwide$790$66
LouisianaLouisiana Farm Bureau$1,048$87
MaineConcord Group$521$43
MarylandProgressive$938$78
MassachusettsState Farm$483$40
MichiganGEICO$898$75
MinnesotaState Farm$797$66
MississippiDirect General Insurance$723$60
MissouriNationwide$909$76
MontanaProgressive$437$36
NebraskaAmerican National P&C$405$34
NevadaCSAA$940$78
New HampshireState Farm$540$45
New JerseyPlymouth Rock Assurance$895$75
New MexicoState Farm$644$54
New YorkKemper$781$65
North CarolinaErie$630$52
North DakotaAmerican Family$616$51
OhioNationwide$485$40
OklahomaState Farm$662$55
OregonState Farm$706$59
PennsylvaniaNationwide$580$48
Rhode IslandState Farm$700$58
South CarolinaAmerican National P&C$463$39
South DakotaAllstate$746$62
TennesseeState Farm$579$48
TexasState Farm$699$58
UtahNationwide$725$60
VermontState Farm$493$41
VirginiaAmerican Family$601$50
WashingtonPEMCO$534$44
West VirginiaErie$784$65
WisconsinGEICO$556$46
WyomingState Farm$745$62

Frequently Asked Questions About Jeep Gladiator Insurance

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.

What company has the cheapest car insurance for a Jeep Gladiator?

What company offers the best car insurance for a Jeep Gladiator?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.