Jeep Gladiator insurance costs more for newer models because higher market values raise replacement cost exposure. Monthly full coverage premiums range from $81 for older models to $278 for a 2025 Gladiator.
Jeep Gladiator Insurance Cost
Key Takeaways
Travelers offers the cheapest Jeep Gladiator insurance on average. Full coverage averages $180 per month nationwide, though costs shift by model year and insurer.
The Jeep Gladiator ranks 31st out of 40 pickup trucks for insurance affordability, making it one of the more expensive pickups. Pickup trucks already carry higher premiums due to repair costs and theft risk, and the Gladiator's off-road capability adds to that.
Jeep Gladiator insurance rates vary by model year and driver age. Teen drivers pay more than adult drivers across all model years
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?
The Jeep Gladiator ranks 31st out of 40 pickup trucks for insurance affordability in MoneyGeek's rate database, meaning 30 pickup trucks cost less to insure. The Gladiator runs slightly more per month than a Hyundai Santa Cruz and slightly less than a Ford F-250.
Across all 827 vehicles in MoneyGeek's database, the Gladiator ranks 506th, putting it in the more expensive half. The Suzuki SX4 is the cheapest pickup truck to insure. 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 |
Three main factors shape Jeep Gladiator insurance costs:
- Average Repair or Replacement Costs: The Gladiator's specialized off-road components and limited parts availability push repair costs up. Higher labor costs for this pickup-truck hybrid translate directly into higher premiums.
- Vehicle Trim, Features and Accessories: Gladiator horsepower runs from 285 to 470 hp, depending on engine choice. Higher-output trims cost more to insure because greater power raises accident severity risk and repair bills.
- Driver Profile: Most Gladiator drivers are 30 to 50 years old, with a median age of around 40. Off-road usage patterns raise rates, and insurers factor in driving behavior tied to high-capability vehicles. MoneyGeek's Jeep Gladiator rates by driver age.
Jeep Gladiator Insurance Cost by State
Jeep Gladiator minimum coverage ranges from $36 per month in Wyoming to $189 in Louisiana. State premiums differ because of local risk factors and insurance regulations.
| 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
Jeep Gladiator insurance costs shift by model year and driver age. A driver aged 35 to 55 pays $214 per month for full coverage on a 2020 Gladiator compared to $238 for a 2025 model. Teen and young adult drivers pay higher premiums across all model years.
National General offers the lowest minimum coverage rates across all Gladiator model years. Rates vary enough by insurer that comparing quotes can cut your monthly premium by hundreds of dollars.
Jeep Gladiator Insurance Rates:
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 ranges from $81 per month for minimum coverage on the Freedom Pickup 4D 5 Ft to $278 for full coverage on the Mojave X. A trim's market value and performance level determine where its rate falls in that 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 six steps can cut what you pay for Jeep Gladiator insurance:
- 1Choose the Right Coverage
Start by matching coverage to how you use your Jeep Gladiator. Own the truck outright? State minimum liability plus comprehensive and collision with a $1,000 deductible keeps premiums lower. For stronger protection, go with 100/300/100 liability plus comprehensive and collision at a $500 deductible. If the Gladiator is financed or leased, lenders require 100/300/100 liability, comprehensive and collision at a $500 deductible and gap insurance. For more guidance, see how much coverage to buy.
- 2Research Costs and Cheap Companies
Jeep Gladiator rates vary widely by insurer, so knowing the average auto insurance cost for pickup trucks gives you a useful baseline. From there, compare quotes across the cheapest car insurance companies to find where Gladiator pricing lands most competitively.
- 3Look for More than Low Rates
Low premiums don't always mean good value. Before committing to a policy, check J.D. Power satisfaction scores, AM Best financial strength ratings and Better Business Bureau records. Some budget insurers offset low rates for car insurance with limited coverage options or slow claims handling.
- 4Explore Discounts You Qualify For
Jeep Gladiator owners can qualify for several discounts depending on their insurer. Common options include safe driver rewards, multi-policy bundling, anti-theft device reductions, multi-vehicle discounts and good student discounts. Ask each insurer which applies to your profile, or browse the full list of car insurance discounts available.
- 5Consider Alternative Car Insurance Types
Progressive Snapshot and Allstate Drivewise track your driving and reward safe habits with lower rates. Low-mileage Gladiator drivers tend to see the biggest savings. Both programs are worth considering if you don't use the truck daily. Learn more about usage-based programs.
- 6Check Rates Every Year
Pull car insurance quotes from at least three insurers each year. Gladiator rates shift as the vehicle ages and your driving record changes, and your current insurer won't flag it when a competitor drops their price. Annual comparison shopping can save Jeep Gladiator owners up to 24% on premiums.
Jeep Gladiator Insurance Cost: Bottom Line
Jeep Gladiator insurance lands in the more expensive half of all vehicles, ranking 506th out of 827 models. Comparing quotes from at least three insurers each year and claiming every discount you qualify for are the two most reliable ways to cut what you pay.
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 averages $1,220 per year for state minimum coverage and $2,367 for full coverage, or $102 per month and $197 per month.
What company has the cheapest car insurance for a Jeep Gladiator?
GEICO offers the lowest minimum coverage rates for the Jeep Gladiator at $996 per year. Travelers has the lowest full coverage rate at $3,144 annually.
Are Jeep Gladiators expensive to insure?
Jeep Gladiator insurance sits in the more expensive half of all vehicles MoneyGeek tracks, ranking 506th out of 827 models. Among pickup trucks, it ranks 31st out of 40 for affordability.
What factors affect insurance costs for Jeep Gladiators?
Jeep Gladiator insurance rates reflect the truck's specialized off-road parts, which push repair costs up, and its strong resale value, which raises replacement cost exposure for insurers. Pickup truck theft rates add to the risk calculation. Your driving record, credit score and coverage level determine the rest of what you pay.
How can I lower Jeep Gladiator insurance costs?
Jeep Gladiator rates vary enough by insurer that comparing quotes from at least three companies each year can lower your rate by up to 24%. Programs like Progressive Snapshot and Allstate Drivewise can lower your rate if you drive safely and log fewer miles. Stacking discounts, bundling policies and keeping a clean record all push premiums down.
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:
- 40-year-old unmarried male
- Clean driving record with no tickets or crashes
- Good credit score
- No prior insurance claims
- Approximately 12,000 miles driven per year
- Valid 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 produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.