How much is insurance on a Jeep Gladiator?
A 2024 Jeep Gladiator runs about $2,020 a year for a typical 45-year-old, $80 more than an average car of the same age: more damage to others' property and more injury claims outweigh lower crash-repair losses and lower non-crash losses. Putting a new 16-year-old on a family policy with the Gladiator adds about $1,330 a year (#9 of 9 small pickups we compare).
2024 Jeep Gladiator (Gladiator 4WD), national average
about $2,020 a year (about $170 a month)
Estimated range: $1,500–$2,700. Actual quotes can fall outside it.
An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2022 Gladiator drops to about $1,920 (see the table below).
Priced for the 2024 Gladiator 4WD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Gladiator's rank is the same in every state.
Why the Jeep Gladiator costs what it does
What HLDI reports (2022–24 models, all drivers combined)
The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Jeep Gladiator crew cab pickup convertible 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 63 for crash repairs, 84 for non-crash damage, 155 for damage to others' property, and 127 for injury claims.
- Crash repairs (collision)fixing this car after a crashBetter than average37% better than averagebest of the 9 small pickups we compare
- Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage16% better than average6th best of the 8 small pickups we compare
- Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultSubstantially worse than average55% worse than averageworst of the 8 small pickups we compare
- Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costWorse than averagefiled 27% more often than averageworst of the 5 small pickups we compare
HLDI rates results within about 20% of average as “Average.”
Source: HLDI, insurance losses by make and model, 2022–24 models.
What we estimate that means for price
Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Gladiator comes out about 31% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 13% less than average: about $830 a year vs $950. On the liability side, damage to others and injury claims combine to about 39% worse than average. We count about half, so that part is about 20% more: $1,190 a year vs $990.
In EPA size classes, the Gladiator is a full-size pickup (gas-powered). In Highway Loss Data Institute loss tables, the Jeep Gladiator is benchmarked against small pickups.
Matched to HLDI series “Jeep Gladiator crew cab pickup convertible 4WD” (HLDI, 2022–24 models).
A used Jeep Gladiator, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 Gladiator 4WD (0–3 years old) | about $2,020 | about $1,190 | +$1,330 | about $5,800 |
 2022 Gladiator 4WD (4–7 years old) | about $1,920 | about $1,190 | +$1,270 | about $5,510 |
Our catalog covers the Jeep Gladiator across model years 2020–2027. Full coverage on a used 2022 Gladiator (4–7 years old) runs about $1,920 a year, $100 less than on a 2024. Dropping collision and comprehensive on that 2022 brings liability-only coverage to about $1,190 a year. Each photo shows that year's generation of the car. Photo credits.
For the 2024 Jeep Gladiator, our catalog lists the Gladiator 4WD configuration at about $2,020 a year.
On a policy of their own with a 2024 Jeep Gladiator, a 22–25-year-old pays about $2,630 a year ($610 more than a 45-year-old), a 26–39-year-old about $2,240, and a driver 65 and older about $2,120.
Adding a 16-year-old with a Jeep Gladiator
Adding a new 16-year-old who drives the Jeep Gladiator raises the family bill by about $1,330 a year ($110 a month), $50 more than adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,800 a year, so keeping them on the family policy saves about $4,470 a year.
For adding a teen driver, the Jeep Gladiator ranks 42nd most expensive out of all 121 models we track. Stepping down to a used 2022 Gladiator (4–7 years old) brings the teen add-on to about $1,270 a year.
That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.
Similar small pickups
Among these 9 small pickups, the Jeep Gladiator is the most expensive to insure. Just below it is the GMC Canyon, at about $1,920 a year.
2024 Nissan Frontierabout $1,870 ($150 less)
2024 Chevrolet Coloradoabout $1,870 ($150 less)
2024 Hyundai Santa Cruzabout $1,890 ($130 less)
2024 GMC Canyonabout $1,920 ($100 less)- 2024 Jeep Gladiatorabout $2,020 (this car)
Photos from Wikimedia Commons contributors. Photo credits.
What a Jeep Gladiator costs in your state
In six sample states, a 2024 Jeep Gladiator runs from about $1,300 a year in Maine through Iowa, Minnesota, Utah and Connecticut to about $2,430 in Texas:
- Maineabout $1,300/yr · +$860 teen
- Iowaabout $1,420/yr · +$940 teen
- Minnesotaabout $1,720/yr · +$1,130 teen
- Utahabout $1,800/yr · +$1,190 teen
- Connecticutabout $2,120/yr · +$1,400 teen
- Texasabout $2,430/yr · +$1,600 teen
All 50 states and DC · Updated .
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.