Newer Jeep Gladiators cost more to insure than older models due to higher market values. Monthly premiums range from $278 for 2025 Gladiators down to $81 for older models.
Jeep Gladiator Insurance Cost
Key Takeaways
Travelers offers the cheapest Jeep Gladiator insurance on average, though full coverage costs vary widely by model year and insurer, averaging around $180 monthly nationwide. Read more.
The Gladiator ranks 31st out of 40 pickup trucks for insurance affordability, placing it in the expensive tier since pickup trucks already cost more to insure due to higher repair costs and theft risk. Read more.
Your Gladiator's specific model year makes a huge difference in insurance rates, especially with teen drivers on your policy who face much higher premiums than adult drivers. Read MoneyGeek's analysis of rates by company for specific Gladiator model years depending on the age of the drivers.
How Much Is Jeep Gladiator Insurance?
Looking for another Jeep model? Read more about the cost of Jeep car insurance models.
Costs vary by model year and company. Jeep Gladiator minimum coverage ranges from $74 monthly with GEICO to $166 with UAIC, while full coverage spans $149 with Travelers up to $505 with AIG.
Minimum coverage rates for the Gladiator vary by more than $92 per month between insurers, and full coverage varies by more than $186 per month. Each company prices the Gladiator using its own formula, so your quote depends on which insurer you ask.
| AAA | $104 | $214 |
| AIG | $133 | $335 |
| Allstate | $122 | $236 |
| Amica | $103 | $209 |
| Chubb | $132 | $257 |
| Farmers | $145 | $256 |
| Geico | $74 | $159 |
| Kemper | $132 | $272 |
| Nationwide | $118 | $204 |
| Progressive | $104 | $195 |
| State Farm | $106 | $222 |
| The Hartford | $122 | $207 |
| Travelers | $81 | $149 |
| UAIC | $166 | $209 |
Is Jeep Gladiator Expensive to Insure?
Among the 40 pickup trucks in MoneyGeek's rate database, the Jeep Gladiator ranks 31st for affordability, meaning 30 pickup trucks cost less to insure. It runs a few dollars more per month than a Hyundai Santa Cruz and a few dollars less than a Ford F-250, putting it in the middle of the pickup truck category.
Pickup trucks are expensive to insure overall, and the Gladiator is no exception. Its 506th-place finish out of 827 total vehicles puts it in the pricier half of all models. The Suzuki SX4 is the cheapest pickup truck to insure, while the Ram 2500 carries the highest premiums in the category.
| Isuzu I-Series | $144 | 28 |
| Cadillac Escalade EXT | $146 | 29 |
| Hyundai Santa Cruz | $149 | 30 |
| Jeep Gladiator | $149 | 31 |
| Ford F-250 | $154 | 32 |
| Ford Maverick | $154 | 33 |
| Ford F-350 | $159 | 34 |
Your Jeep Gladiator insurance costs depend on:
- Average repair or replacement costs: The Gladiator's specialized truck components and off-road capabilities can lead to higher repair expenses. Parts availability and labor costs for this unique pickup-truck hybrid affect your insurance premiums.
- Vehicle trim, features and accessories: Horsepower ranges from 285 to 470, depending on engine choice, directly impacting insurance costs. Higher-performance trims with extreme horsepower output cost substantially more to insure due to increased risk factors insurers consider.
- Driver profile: Most Gladiator drivers are 30 to 50 years old with a median age around 40, paying higher rates due to off-road usage patterns. The vehicle's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Jeep Gladiators for young drivers.
Jeep Gladiator Insurance Cost by State
Car insurance for a Jeep Gladiator costs anywhere from $36 per month in Wyoming to $189 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not the vehicle itself.
| Alabama | $80 | $150 |
| Alaska | $72 | $152 |
| Arizona | $116 | $216 |
| Arkansas | $84 | $189 |
| California | $100 | $203 |
| Colorado | $98 | $234 |
| Connecticut | $142 | $242 |
| Delaware | $131 | $220 |
| Florida | $127 | $296 |
| Georgia | $143 | $239 |
| Hawaii | $51 | $115 |
| Idaho | $55 | $112 |
| Illinois | $91 | $170 |
| Indiana | $63 | $123 |
| Iowa | $53 | $130 |
| Kansas | $73 | $171 |
| Kentucky | $123 | $209 |
| Louisiana | $189 | $409 |
| Maine | $50 | $104 |
| Maryland | $149 | $251 |
| Massachusetts | $94 | $197 |
| Michigan | $148 | $280 |
| Minnesota | $79 | $160 |
| Mississippi | $88 | $175 |
| Missouri | $125 | $251 |
| Montana | $80 | $189 |
| Nebraska | $68 | $157 |
| Nevada | $174 | $316 |
| New Hampshire | $67 | $118 |
| New Jersey | $157 | $258 |
| New Mexico | $86 | $192 |
| New York | $121 | $217 |
| North Carolina | $70 | $136 |
| North Dakota | $56 | $123 |
| Ohio | $74 | $142 |
| Oklahoma | $88 | $194 |
| Oregon | $117 | $204 |
| Pennsylvania | $85 | $198 |
| Rhode Island | $118 | $211 |
| South Carolina | $103 | $192 |
| South Dakota | $52 | $155 |
| Tennessee | $80 | $161 |
| Texas | $129 | $266 |
| Utah | $115 | $197 |
| Vermont | $44 | $103 |
| Virginia | $95 | $155 |
| Washington | $91 | $168 |
| West Virginia | $88 | $179 |
| Wisconsin | $63 | $139 |
| Wyoming | $36 | $107 |
Jeep Gladiator Costs by Model Year and Insurance Company
Model year plays a crucial role in determining your Jeep Gladiator insurance costs, along with driver age on your policy. A 35- to 55-year-old driver pays around $214 monthly for full coverage on a 2020 Gladiator compared to $238 for a 2025 model, showing how newer vehicles cost more to insure. Teen and young adult drivers pay much higher premiums across all model years.
National General offers the most affordable rates across all Gladiator model years. Shopping around saves you hundreds of dollars monthly compared to average insurance costs.
Cost of Car Insurance for 2025 Jeep Gladiator
| National General | $70 | $144 |
| Geico | $81 | $176 |
| Travelers | $88 | $162 |
| Progressive | $112 | $209 |
| Amica | $113 | $232 |
| AAA | $114 | $237 |
| State Farm | $117 | $246 |
| Nationwide | $125 | $216 |
| The Hartford | $136 | $232 |
| Allstate | $136 | $263 |
| Kemper | $139 | $285 |
| AIG | $146 | $370 |
| Chubb | $148 | $287 |
| Farmers | $163 | $289 |
| UAIC | $181 | $229 |
Cost of Car Insurance for 2024 Jeep Gladiator
| National General | $71 | $145 |
| Geico | $82 | $177 |
| Travelers | $89 | $163 |
| Progressive | $113 | $211 |
| Amica | $114 | $233 |
| AAA | $115 | $238 |
| State Farm | $118 | $247 |
| Nationwide | $126 | $217 |
| The Hartford | $137 | $234 |
| Allstate | $137 | $265 |
| Kemper | $140 | $287 |
| AIG | $147 | $372 |
| Chubb | $149 | $289 |
| Farmers | $165 | $291 |
| UAIC | $183 | $231 |
Cost of Car Insurance for 2023 Jeep Gladiator
| National General | $53 | $109 |
| Geico | $61 | $133 |
| Travelers | $67 | $122 |
| Progressive | $84 | $158 |
| Amica | $86 | $175 |
| AAA | $86 | $178 |
| State Farm | $89 | $185 |
| Nationwide | $95 | $163 |
| The Hartford | $103 | $175 |
| Allstate | $103 | $198 |
| Kemper | $105 | $215 |
| AIG | $111 | $279 |
| Chubb | $111 | $217 |
| Farmers | $123 | $218 |
| UAIC | $137 | $173 |
Cost of Car Insurance for 2022 Jeep Gladiator
| National General | $63 | $129 |
| Geico | $74 | $160 |
| Travelers | $83 | $152 |
| Amica | $103 | $211 |
| AAA | $105 | $216 |
| State Farm | $107 | $223 |
| Progressive | $109 | $204 |
| The Hartford | $121 | $206 |
| Allstate | $122 | $235 |
| Nationwide | $125 | $215 |
| Chubb | $131 | $255 |
| AIG | $135 | $339 |
| Kemper | $141 | $290 |
| Farmers | $143 | $252 |
| UAIC | $169 | $212 |
Cost of Car Insurance for 2021 Jeep Gladiator
| National General | $60 | $123 |
| Geico | $71 | $153 |
| Travelers | $79 | $144 |
| Amica | $98 | $201 |
| AAA | $99 | $205 |
| State Farm | $102 | $212 |
| Progressive | $103 | $194 |
| The Hartford | $115 | $196 |
| Allstate | $116 | $224 |
| Nationwide | $119 | $205 |
| Chubb | $125 | $243 |
| AIG | $128 | $322 |
| Kemper | $134 | $276 |
| Farmers | $136 | $240 |
| UAIC | $161 | $202 |
Cost of Car Insurance for 2020 Jeep Gladiator
| National General | $61 | $126 |
| Geico | $72 | $156 |
| Travelers | $81 | $148 |
| Amica | $101 | $205 |
| AAA | $102 | $210 |
| State Farm | $104 | $217 |
| Progressive | $106 | $198 |
| The Hartford | $118 | $200 |
| Allstate | $119 | $229 |
| Nationwide | $122 | $210 |
| Chubb | $128 | $249 |
| AIG | $131 | $330 |
| Kemper | $137 | $283 |
| Farmers | $139 | $245 |
| UAIC | $164 | $207 |
Jeep Gladiator Insurance Cost by Trim
Jeep Gladiator insurance costs swing wide depending on your trim. Full coverage on the high-performance Mojave X runs about $278 monthly, while minimum coverage on the basic Freedom Pickup 4D 5 Ft drops to $81. Your trim's market value and performance features set where your rate lands in this range.
| Freedom Pickup 4d 5 Ft | $81 | $158 |
| Sport Pickup 4d 5 Ft | $87 | $169 |
| Sport S Pickup 4d 5 Ft | $87 | $169 |
| Willys Sport Pickup 4d 5 Ft | $89 | $172 |
| Altitude Pickup 4d 5 Ft | $89 | $172 |
| Sport | $90 | $175 |
| Texas Trail Edition Pickup 4d 5 Ft | $91 | $177 |
| Freedom Edition Pickup 4d 5 Ft | $92 | $178 |
| Willys Pickup 4d 5 Ft | $92 | $178 |
| North Edition Pickup 4d 5 Ft | $93 | $181 |
| Overland Pickup 4d 5 Ft | $95 | $183 |
| California Edition Pickup 4d 5 Ft | $96 | $185 |
| Sport Altitude Pickup 4d 5 Ft | $96 | $186 |
| Sport S | $97 | $188 |
| Nighthawk | $98 | $191 |
| 80th Edition Pickup 4d 5 Ft | $100 | $194 |
| High Tide | $101 | $195 |
| High Altitude Pickup 4d 5 Ft | $101 | $196 |
| Texas Trail | $103 | $199 |
| Farout Pickup 4d 5 Ft | $103 | $200 |
| Willys | $105 | $203 |
| Rubicon Pickup 4d 5 Ft | $107 | $207 |
| Big Bear | $108 | $209 |
| Mojave Pickup 4d 5 Ft | $109 | $211 |
| Rubicon | $120 | $234 |
| Jeep Beach | $121 | $236 |
| Mojave | $121 | $236 |
| Launch Edition Pickup 4d 5 Ft | $130 | $253 |
| Rubicon X | $141 | $275 |
| Mojave X | $143 | $278 |
How to Lower the Cost of Jeep Gladiator Insurance
Try these tips to find better rates on your Jeep Gladiator insurance:
- 1Choose the Right Coverage
Determine how much coverage to buy for your Jeep Gladiator. If you own the truck outright, start with state minimum liability plus comprehensive and collision with a $1,000 deductible to keep premiums down. For better protection, move to 100/300/100 liability with comprehensive and collision at a $500 deductible. If you're financing or leasing, you need 100/300/100 liability, comprehensive and collision with a $500 deductible and gap insurance.
- 2Research Costs and Cheap Companies
Check average auto insurance costs for pickup trucks so you know what a fair rate looks like. Use that as a baseline when searching for the cheapest car insurance companies and comparing quotes from different insurers.
- 3Look for More than Low Rates
Price isn't everything when choosing car insurance. Check J.D. Power satisfaction scores, Better Business Bureau records and AM Best financial strength ratings. Budget options sometimes come with limited coverage or slow claims handling when you need help most.
- 4Explore Discounts You Qualify For
Look into car insurance discounts that fit your situation. Gladiator owners often qualify for safety features discounts, good driver rewards, policy bundling and anti-theft device reductions. Multi-vehicle and good student discounts may apply.
- 5Consider Alternative Car Insurance Types
Usage-based programs like Progressive Snapshot or Allstate Drivewise track your driving habits and lower your rate based on how safely you drive. Low-mileage drivers tend to see the biggest savings.
- 6Check Rates Every Year
Get car insurance quotes from several companies once a year to make sure you're getting the best deal. Your insurer won't tell you when competitors drop their prices. Yearly comparisons can save up to 24% on Jeep Gladiator insurance.
Jeep Gladiator Insurance Cost: Bottom Line
Jeep Gladiator insurance runs about average compared to other vehicles, though you can still find decent rates. Compare quotes from multiple insurers and ask about available discounts to get the best pricing.
Jeep Gladiator Insurance Rates: FAQ
We answer common questions about Jeep Gladiator insurance.
What is the average cost of car insurance for a Jeep Gladiator?
Jeep Gladiator insurance costs $1,220 annually for state minimum coverage and $2,367 for full coverage. This translates to monthly premiums of about $102 for minimum coverage and $197 for full coverage.
What company has the cheapest car insurance for a Jeep Gladiator?
GEICO offers the lowest average minimum coverage rates for a Jeep Gladiator at $996 per year. Travelers ranks among the more affordable options for full coverage, with average annual costs of $3,144.
Are Jeep Gladiators expensive to insure?
No, Jeep Gladiator insurance is not more expensive than most vehicles. Among pickup trucks, this model places 31st out of 40 for affordability, while ranking 506th out of 827 total vehicles we track.
What factors affect insurance costs for Jeep Gladiators?
Various factors affect your Gladiator insurance rates, starting with higher repair costs from specialized off-road parts and strong resale value retention that concerns insurers. Moderate theft rates for pickup trucks also influence pricing. Your personal driving record, credit score and chosen coverage levels impact your final premium costs.
How can I lower Jeep Gladiator insurance costs?
Compare quotes from multiple insurers since Jeep Gladiator pricing differs between companies and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies together and maintain a clean driving record to get lower rates.
How We Determined Jeep Gladiator Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Jeep Gladiator insurance costs.
Who we based these rates on
These Jeep Gladiator rates reflect what a typical driver pays:
- Age 40 and an unmarried male
- Clean driving record with no tickets or crashes
- Good credit score
- No prior insurance claims
- About 12,000 miles driven per year
- Valid driver's license with no suspensions
Coverage definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability plus comprehensive and collision with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!