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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
With its unique style and impressive off-roading capability, the Jeep Gladiator is a popular midsize truck.[1] [2] Gladiator drivers pay an average of $154 per month for car insurance — just $4 more than the national average of $150 per month.
Mile Auto offers the cheapest insurance coverage for the Gladiator, at an average of $90 per month. But the exact cost of your insurance premiums depends on the coverage you choose, your age, location, driving record, and more.
Let’s take a look at some of the best insurance companies for the Jeep Gladiator. Plus, we’ll tell you how to save money on your car insurance.
Liability-only coverage for the Jeep Gladiator averages $108 per month. Full-coverage Gladiator insurance costs an average of $200 per month.
Mile Auto offers the cheapest premiums for the Jeep Gladiator, with an average monthly rate of $90.
The 2020 Jeep Gladiator is the cheapest model year to insure, with an average rate of $142 per month.
The cost of insurance for your Jeep Gladiator can vary widely based on the type of policy you choose.
Almost every U.S. state requires drivers to have liability insurance. It covers injuries and damages that you cause to another driver in an accident. But it doesn’t cover injuries or damages to you, your passengers, or your vehicle.
For additional protection, you can purchase full-coverage car insurance. These policies typically include liability, collision, and comprehensive coverage.
The following table shows the average monthly rates for different policy types for the Jeep Gladiator and how they compare to the national average for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Jeep Gladiator | $108 | $200 | $154 |
| All vehicles | $108 | $193 | $150 |
Next, let’s take a look at some of the cheapest insurance companies for the Jeep Gladiator.
While the average cost of insurance for the Jeep Gladiator is slightly higher than the national average, you can always find ways to save.
To help you find the cheapest car insurance, the table below highlights five of the most affordable insurers for the Jeep Gladiator, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $90 |
| Safeco | $109 |
| Mercury | $110 |
| Root | $113 |
| National General | $113 |
Mile Auto offers the cheapest car insurance for the Jeep Gladiator, with an average rate of $90 per month. But while the companies in this table have the cheapest average rates, that doesn’t mean they’re the cheapest for everyone.
Rates can vary based on personal factors like your age, ZIP code, and driving record. Comparing quotes from multiple insurers can help you find the best rate.
In the next section, we break down some of the best insurance companies for different Gladiator drivers.
There’s no single insurance company that’s best for every driver. The right insurer for you depends on factors like your location, driving record, and the insurance you choose.
To help you find the best coverage, we chose three of the best insurance companies for the Gladiator. We picked these insurers based on a combination of average rates, available discounts, customer ratings and reviews, and coverages offered.
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers appreciate the quick claim handling and good service but dislike the high rates and lack of pricing transparency.
Drivers appreciate the quick claim handling and good service but dislike the high rates and lack of pricing transparency.
Safe drivers with a clean record should consider Root. The company uses an app to gather and analyze data like braking, turn speed, and driving time, then gives you a quote based on your driving habits. Root keeps rates low by not insuring bad drivers.
As you may guess, Root isn’t a good option for drivers with spotty records. The app can also take a few weeks to gather enough data to give you a quote.
Rates based on actual driving habits
Excellent Trustpilot rating[3]
High-risk drivers may not be eligible
Takes a few weeks to get a quote
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Customers appreciate the quality of the coverage but find the premiums high, especially after a no-fault accident. Some feel the support could improve.
Customers appreciate the quality of the coverage but find the premiums high, especially after a no-fault accident. Some feel the support could improve.
While Mercury already offers competitive insurance rates for the Jeep Gladiator, the company also has a variety of discounts to help you save even more. Mercury’s discounts include anti-theft, good student, auto pay, pay in full, multi-policy, and more. The company is a one-stop shop for other insurance products, like homeowners, condo, renters, and business policies.
But Mercury offers coverage in only 11 states, so you’ll have to check if it’s available in your area.
24/7 claims support
Quotes available online
Not accredited by the BBB[4]
Not available in all states
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $64/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
If you don’t have to commute to an office every day, you might benefit from a Mile Auto policy. Mile Auto offers pay-per-mile car insurance, an alternative to traditional insurance policies. You only pay for the miles you drive, plus a base rate. If you drive fewer than 10,000 miles per year, Mile Auto may be a cheaper alternative to a standard auto insurance policy.
That said, Mile Auto is available in only Arizona, Florida, Georgia, Ohio, Oregon, Tennessee, and Texas.
Pay-per-mile coverage
Low average rates
Available in only seven states
No Better Business Bureau (BBB) accreditation[5]
Compare personalized quotes and save on the coverage you need.
The age of your Jeep Gladiator is one of the factors that influences your insurance premiums. Newer cars typically cost more to insure because they cost more to repair. But newer models also usually have more safety features, which could qualify you for a discount.[6]
In the table below, we show the average monthly premiums for different Gladiator model years, according to Compare.com data.
Gladiator Model Year | Average Monthly Premium |
|---|---|
| 2025 | $151 |
| 2024 | $171 |
| 2023 | $167 |
| 2022 | $163 |
| 2021 | $153 |
| 2020 | $142 |
Next, let’s look at how the state where you live can affect your insurance rates.
Where you live — including your state, city, and even your ZIP code — can affect your insurance rates. For example, if you live in an urban area with high levels of traffic congestion and theft, you’ll usually pay higher rates than someone living in a rural area with a smaller population and lower crime rates.
The map below lists average Gladiator premiums by state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $91 |
| Arizona | $121 |
| Arkansas | $174 |
| California | $175 |
| Colorado | $142 |
| Connecticut | $276 |
| Delaware | $169 |
| Florida | $178 |
| Georgia | $180 |
| Idaho | $92 |
| Illinois | $113 |
| Indiana | $98 |
| Iowa | $82 |
| Kansas | $111 |
| Kentucky | $178 |
| Louisiana | $164 |
| Maine | $108 |
| Maryland | $250 |
| Massachusetts | $137 |
| Michigan | $213 |
| Minnesota | $137 |
| Mississippi | $137 |
| Missouri | $133 |
| Montana | $111 |
| Nebraska | $128 |
| Nevada | $217 |
| New Hampshire | $83 |
| New Jersey | $144 |
| New Mexico | $105 |
| New York | $350 |
| North Carolina | $68 |
| North Dakota | $105 |
| Ohio | $92 |
| Oklahoma | $118 |
| Oregon | $117 |
| Pennsylvania | $119 |
| Rhode Island | $104 |
| South Carolina | $199 |
| South Dakota | $88 |
| Tennessee | $102 |
| Texas | $161 |
| Utah | $132 |
| Vermont | $99 |
| Virginia | $131 |
| Washington | $102 |
| District of Columbia | $207 |
| West Virginia | $105 |
| Wisconsin | $92 |
| Wyoming | $88 |
Your age is one of the most important rating factors insurers consider when calculating your premiums. Teenagers typically pay the highest rates of any age group due to their inexperience, risky driving behaviors, and a high crash rate.[7]
On the other hand, seniors usually pay some of the lowest rates. That’s because older drivers tend to have more experience and are more likely to follow the rules of the road.[8]
The following table shows how average monthly premiums change based on age, according to our data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $290 |
| Adults | $141 |
| Seniors | $119 |
Teen drivers pay the highest average monthly Gladiator premiums, at $290. But senior Gladiator drivers pay less than half that amount — $119 per month.
Your driving record also has a significant effect on your car insurance rates. Generally, you pay less for insurance if you have a clean driving record. But if you have a spotty record with tickets, accidents, or a driving under the influence (DUI) conviction, insurers consider you a higher risk and charge you more for coverage.
Below, we break down insurance rates by driving record, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $154 |
| Speeding ticket | $214 |
| At-fault accident | $223 |
| DUI | $253 |
As expected, Gladiator drivers with a clean record pay the lowest monthly insurance rates, at $154. Gladiator drivers with a DUI conviction pay the highest average rates, at $253 per month.
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Different features and options of your Jeep Gladiator can affect how much you pay for car insurance, too. Options that influence your rates include:
Safety features: Advanced safety features can help reduce the likelihood of an accident and often qualify for discounts, lowering your premiums.
Trim level: Higher trim levels usually include more advanced features, which increase your car’s value, repair costs, and insurance premiums. For example, the top-of-the-line Gladiator comes with internet access, leather seats, and voice recognition, so you’ll likely pay higher insurance rates for it than lower trim levels.[9]
Anti-theft system: Gladiator models with a built-in alarm system may qualify for anti-theft discounts, helping lower your insurance rates.[10]
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If you want the cheapest car insurance for your Jeep Gladiator, here are things you can do to reduce your rates:
Increase your deductible. Your deductible is the amount you pay before your insurance kicks in. You can substantially lower your monthly costs by increasing your deductible amounts. But make sure you have enough money set aside if you need to file a claim, as you’ll pay more out of pocket.
Bundle your policies. Many insurance companies offer a discount if you purchase two or more insurance products from them. You can get a discount if you insure multiple vehicles with the same company or bundle your auto and homeowners policies.
Maintain a clean driving record. Your driving record is an important factor in determining your auto insurance premiums. A clean record can lower your rates, but even one speeding ticket or accident can increase your premiums.
Compare multiple quotes. Use an insurance comparison site to get quotes from at least three companies. Insurers consider factors differently, potentially saving you a lot of money.[11]
Find the best rates for your Jeep Gladiator in seconds.
If you’re looking for more information to help you find the best auto insurance for your Jeep Gladiator, we’re here to help. Check out these answers to some commonly asked questions about Gladiator insurance.
Not typically. Car insurance for the Jeep Gladiator costs an average of $154 per month, only $4 more than the national average of $150 per month, according to Compare.com data. But your insurance rates depend on multiple factors, including your age, location, and driving history.
Mile Auto offers the cheapest car insurance for the Jeep Gladiator, with rates averaging $90 per month, according to Compare.com data. But remember that your average rates will vary based on your age, driving record, and the type of insurance you choose.
Car insurance for the 2025 Jeep Gladiator costs an average of $151 per month, according to Compare.com data. The 2024 Gladiator is the most expensive model to insure, with rates averaging $171 per month.
The Jeep Cherokee is the cheapest Jeep model to insure, with rates averaging $138 per month, according to Compare.com data. The Gladiator costs the most to insure, with rates averaging $154 per month.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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