Jeep Gladiator Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Jeep Gladiator is more expensive to insure compared to the average truck.
• Liability auto insurance for a Gladiator averages around $74 monthly, while full coverage normally runs about $204.
• The lowest insurance carrier for a Gladiator is NationalGeneral, who offers rates as little as just $47 per month.

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Gladiator Overview

The Jeep Gladiator is a great truck for all budgets, with a base price of just $35,315 for 2022 models. You'll have your choice of four different trim levels, so there's a style for every driver.

After analyzing thousands of car insurance quotes through Compare.com, we've found that Jeep Gladiator auto insurance prices run around $177 monthly, on average. How do insurance premiums for the Gladiator compare to rates of other similar trucks?

How Much is Car Insurance for a Jeep Gladiator?

Looking at the table above, you'll find that compared to other vehicles, Jeep Gladiator insurance prices are above average. On average, Gladiator owners can expect to pay about $204 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $74 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

When compared to other models, the Gladiator is more expensive, with premiums around 33% higher than Jeep's other vehicle offerings. Likewise, compared to other vehicles of a similar body style, Gladiator coverage is higher than average, with both full coverage and liability only insurance averaging more expensive rates than other trucks.

Generally, they're just more expensive to insure than the average vehicle, regardless of which body style, model, or make you compare it to.

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Who has the Cheapest Car Insurance for a Jeep Gladiator?

Are you searching for a car insurance policy for your Jeep Gladiator? You may want to know which company offers the lowest rates. Even though prices can shift quite dramatically from between drivers, the most affordable average rates for liability only insurance are as low as $28 per month from Shelter Mutual. The next cheapest carrier is Safeco, who offers car insurance sometimes as cheap as $29 monthly.

Completing the top 5 companies are Aspire, NationalGeneral, and Mercury. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Car insurance carriers take many things into consideration when calculating monthly prices. By reviewing quotes from lots of auto insurance companies at once, you can be sure you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Jeep Gladiator?

There are multiple variables that insurance carriers take a look at to choose how much to charge you for a policy -- and every company weighs certain attributes more than others, so there's not one single carrier that's the most affordable for each driver.

Keep reading to learn which factors car insurance companies look at and how they affect your final rate:

Vehicle Age

The Jeep Gladiator has only been around for one model year, so vehicle age won't affect your premium in the same way it might for other vehicles. Normally, older cars will be cheaper to insure because they're worth less than newer models, and as cars age, insurance costs will gradually decrease.

From the table above, you can see Gladiator premiums are $74 a month, on average.

Your Age

Your age is another variable that plays a role in how much insurance carriers will charge. Because the Jeep Gladiator is pretty new to the market, we're just starting to collect data on how age is affecting car insurance rates. So far, based on the table above, those who have more experience pay less compared to drivers who are under 24. Jeep Gladiator drivers who are 18 to 24 actually pay $12 more than those 25 or older.

Insurance prices continue to go lower as you get older, with drivers aged 55-64 making up the cheapest age group for the Gladiator.

Your Gender

Because women are less likely to get into accidents and get speeding tickets, they run a lower risk of filing a claim with insurance. So, insurance companies will often charge women less than men. Surprisingly, when it comes to Gladiator drivers specifically, men pay about 9% less than women a month for auto insurance.

Where You Live

You're probably already aware that things like how old you are and what vehicle you drive play a role in your car insurance prices, but you may not realize that where you live matters just as much. Auto insurance is regulated on a state-by-state basis, so premiums can differ quite a bit depending on which state you call home.

Because the Gladiator is a relatively new vehicle, our state data is somewhat limited. Even so, you can see in the table above that New York has rates that are significantly more expensive than anywhere else.

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Jeep Gladiator Car Insurance Discounts

Regardless of which car you drive, what state you call home, or how old you are, using as many discounts as possible when it comes to your insurance policy is always the smart move.

Even though all auto insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution
• Multi-car discounts for having more than one vehicle on your auto policy
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Multi-policy discounts for using the same insurance company for both your home and car insurance

While discounts are always a good way to save money on your insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

Of course, you can't control every single aspect of your car insurance profile (like some of the factors we mentioned above), but there is quite bit in your control. Below are just a few of the ones you can use to your favor when it comes to saving some cash:

Your Driving Record

It's no secret that auto insurance companies offer the cheapest prices to drivers with a history of responsible driving. It follows that if you get into a collision or get speeding tickets, car insurance premiums will go higher. But you're probably wondering exactly how much these infractions will cost you.

Unfortunately, we don't have enough data on file for Jeep Gladiator drivers specifically, since it is a relatively new vehicle. However, we'll have a better idea of how much infractions will cost Gladiator drivers when it comes to insurance as we see more and more of these on the road.

How Much You Drive

The total distance you drive each year plays a big role in your auto insurance rates. Those who are on the roads less are less likely to get tickets, so they'll generally end up spending less on car insurance. Since the Jeep Gladiator is a new truck, our data is relatively limited, so we don't yet know how much annual driving distance will affect premiums. So far, drivers who travel 0 - 2,500 miles per year are offered the lowest rates.

If you drive less often than the average driver or work from home, you might consider getting a usage-based or pay-per-mile auto insurance policy. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Jeep Gladiators Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a Jeep Gladiator is on your shortlist, you might want to know how it compares to other vehicles. Insurance is just one cost that's associated with buying a new car, but it's definitely one that's worth thinking about carefully.

Take a look at the table below to see how the Jeep Gladiator stacks up:

With an MSRP that's less than the going rate for a new vehicle, the Jeep Gladiator is a great value for any budget. The Gladiator starts at $35,315, which is quite a bit lower than the national average vehicle price of $46,192.

Full coverage insurance for a Jeep Gladiator is around $45 a month cheaper than average, while liability only coverage is monthly.

When it comes to usage, Jeep Gladiator owners drive fewer miles annually than the national average, with 11,617 miles for all vehicles every year compared to the Gladiator's 8,470 each year.

Jeep Gladiator Car Insurance Costs by Model Year

So far, you've seen how different variables have an impact on how much the average driver pays for insurance. If you're considering purchasing a new Gladiator, having a good idea of exactly how much you'll pay can be helpful as you consider your options.

Choose Your Model

2021 Jeep Gladiator Car Insurance 2020 Jeep Gladiator Car Insurance

2021 Jeep Gladiator Car Insurance

On average, drivers who own a 2021 Gladiator can expect to pay $76 to $187 per month for liability only and full coverage car insurance, respectively.

With rates sometimes as little as $26 a month, Mercury offered the most affordable policy we found.

If you want to find the best prices for insurance for a 2021 Jeep Gladiator, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2020 Jeep Gladiator Car Insurance

The average cost to insure a 2020 Jeep Gladiator with liability only coverage is $71 per month, while full coverage runs about $215 monthly.

With premiums as cheap as $19 a month, Safeco offered the cheapest policy we found for the 2020 Jeep Gladiator.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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Jeep Gladiator Insurance FAQs

Is a Jeep Gladiator expensive to insure?

Liability insurance runs an average of $74 per month, while full coverage will cost you around $204. The Jeep Gladiator is relatively expensive to insure compared to the average vehicle.

How can I get the best price on car insurance for my Jeep Gladiator?

The only way to be confident you're getting the most affordable price on auto insurance is to check prices regularly and compare quotes from a lot of carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole range of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Jeep Gladiator affect my insurance premiums?

Have you heard the old adage that it costs more to insure a red car than cars of other colors before? Well, that's actually not the case. While there are lots of factors insurance carriers consider when they calculate how much your policy will be, your Gladiator's color isn't one of them.

Do I need to have insurance before I buy a Jeep Gladiator?

You'll need to have a valid car insurance policy before you can legally drive your new (or new to you) car off the dealership lot. Some dealerships might offer you a car insurance policy as part of the car-buying process, but it's best to let your auto insurance company know before you buy.

What car insurance discounts can I get for my Jeep Gladiator?

You will find a bunch of different discounts out there when it comes to insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are based less on your vehicle and more on you, but if your Gladiator has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. The best way to find out is to reach out to your insurance carrier and ask about their discounts.