Popular among off-roading enthusiasts, the Jeep Gladiator is available in nine trim models, so you can customize it to suit your adventures.1 With its manufacturer’s suggested retail price (MSRP) of $38,695, the 2025 Gladiator is somewhat more expensive than competitors (the 2025 Ford Ranger’s starting MSRP is $33,080, for example).2
Additionally, its average insurance costs are higher compared to its competitors. Insuring a Jeep Gladiator costs an average of $106 per month for liability-only coverage and $200 for a full-coverage policy, according to Insurify data.
Here’s what you should know about finding car insurance for your Jeep Gladiator.
Jeep Gladiator insurance costs vary based on the model year, averaging $153 per month, but you may be able to find cheaper rates by shopping around. On average, USAA, State Farm, and Allstate offer the cheapest Gladiator car insurance.
The following table shows average monthly rates for the Jeep Gladiator by model year.
The 2025 Jeep Gladiator’s MSRP starts at $38,695 for the base model and tops out at $61,695 for the Rubicon X. Aside from market price and fuel economy, it’s important to consider insurance costs.
The table below displays average Jeep Gladiator insurance costs by insurance company.
In 2024, the Jeep Gladiator had a starting MSRP of $39,790, according to Kelley Blue Book (KBB). Below is a breakdown of average monthly insurance costs by insurance company for the 2024 model year.
The 2023 Jeep Gladiator had a starting MSRP of $44,015, according to KBB.
Check out 2023 Jeep Gladiator insurance costs by insurer below for liability-only and full-coverage policies.
When the 2022 Jeep Gladiator was released, it had a starting MSRP of $40,765, according to KBB. The table below shows average monthly insurance rates by company.
The 2021 Jeep Gladiator had a starting MSRP of $37,060, according to KBB. You can find competitive insurance premiums in the table below.
The original base MSRP for the 2020 Jeep Gladiator was $37,040, according to KBB. The table below shows average insurance rates from several of the cheapest companies.
Multiple factors influence car insurance rates, including your state’s minimum insurance requirements, your age and gender, where you live, your credit history, and your driving record.3 Rates also vary based on vehicle type and the coverage you choose.
Below are average Jeep insurance rates by state, across all Jeep models. Alaska and Hawaii are not included due to lack of data.
You can combine various types of coverage to ensure your Jeep Gladiator has adequate protection. Whether you want full coverage or a liability-only policy, these are some common coverages to consider:4
When you’re shopping for car insurance and determining how much coverage you need, you can often save money by asking if you qualify for any discounts.
The answers to some frequently asked questions about insuring a Jeep Gladiator may provide some additional information.
USAA offers the cheapest Jeep Gladiator insurance, at $49 per month for liability-only coverage.
But since USAA insurance is available only to military members and their families, you can often find cheap rates from State Farm and Allstate. Insurance pricing also depends on your state, ZIP code, deductibles, coverage options, and claims history.
No. Jeep Gladiators aren’t expensive to insure, but insurance costs are higher than those of similar vehicles, according to Insurify data. For example, a Jeep Gladiator costs an average of $153 per month to insure, compared to $134 for a Toyota Tacoma and $115 for a Ford Ranger.
Jeep Gladiator insurance costs vary but average $106 per month for liability only and $200 for full coverage. This cost is comparable to the national monthly average of $103 for liability-only coverage and $182 for full coverage.
The average Jeep Gladiator lifespan depends in part on your location and driving habits. But if you keep up with regular maintenance and necessary repairs, your Jeep Gladiator could last 200,000 miles or more.
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