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
Updated: January 26, 2026
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.
These cost differences (more than $92 for minimum coverage and $186 for full coverage) demonstrate why Gladiator owners need to shop around. Insurance companies calculate risk differently for each model, which affects your final quote.
| 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?
MoneyGeek's analysis of pickup truck insurance costs reveals where the Jeep Gladiator stands among competitors. Comparing it to the other 40 pickup trucks in our rate database, the Gladiator ranks 31st in affordability, meaning there are 30 cheaper options to insure. It costs a few dollars more per month than a Hyundai Santa Cruz but runs a few dollars cheaper than a Ford F-250, positioning it solidly in the middle tier.
While that's middle of the pack for pickup trucks, these vehicles are expensive to insure overall. The Gladiator's 506th place out of 827 total cars puts it among the pricier half of all models. For comparison, the Suzuki SX4 claims the cheapest pickup truck spot, while the Ram 2500 commands the highest premiums in this 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 just $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
These proven strategies help you find better rates on your Jeep Gladiator insurance:
- 1Choose the Right Coverage
Figure out how much coverage to buy for your Jeep Gladiator. Own your truck outright? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to reduce premiums.
Want more protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research Costs and Cheap Companies
Review average auto insurance costs for pickup trucks to learn what you should pay. This benchmark helps you find the cheapest car insurance companies offering competitive rates. Understanding typical costs helps you spot good deals when comparing quotes from different insurers in your area.
- 3Look for More than Just Low Rates
Quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum discussions about claims handling, review Better Business Bureau records and confirm AM Best financial stability. Budget options often provide limited coverage or slower service when you need claims processed.
- 4Explore Discounts You Qualify For
Look for car insurance discounts that apply to your situation. Jeep Gladiator owners often qualify for safety features discounts, good driver rewards, policy bundling savings and anti-theft device reductions. Many insurers also offer multi-vehicle discounts if you insure multiple cars, plus student discounts for younger drivers maintaining good grades.
- 5Consider Alternative Car Insurance Types
Jeep Gladiator owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These plans track safe driving habits and offer premium reductions based on your actual driving behavior.
Low-mileage drivers often see the biggest savings from these telematics programs that monitor speed, braking and acceleration patterns.
- 6Check Rates Every Year
Get car insurance quotes from several companies annually to confirm you're getting the best deal. Your insurer won't notify you when competitors lower their prices, so yearly comparisons might save up to 24% on your Jeep Gladiator insurance. Rate changes happen often, making regular comparisons necessary for maintaining affordable coverage.
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
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 an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.