Jeep Gladiator car insurance rates

Jeep’s new pickup attracts offroad driving and high insurance rates.

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Red jeep gladiator 2020

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Jeep is entering the pickup truck market with the 2020 Gladiator, its first pickup truck since the Comanche in the early ‘90s.

The average cost of insurance for the 2020 Jeep Gladiator is expected to be higher than the Wrangler’s price of $254 a month, or $3,048 a year. With a starting price of $33,545, this places the Gladiator’s annual insurance cost-to-base ratio around 9%, which is considerably higher than the 4% national average.

Compare car insurance for your 2020 Jeep Gladiator

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.

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How do I compare insurance for the Gladiator?

Insurance on the 2020 Jeep Gladiator is expected to be higher than average for a compact truck.

  • Body type. Although it’s essentially the Wrangler with a bed, pickups are more expensive to insure.
  • Fuel. Fuel economy for the Gladiator is around 19 mpg combined, meaning you’ll need to factor in the higher gas costs when determining your overall vehicle costs.
  • Theft rates. The Jeep Wrangler is one of the more commonly stolen vehicles, so if the Gladiator sees similar theft rates, expect higher insurance premiums.
  • Maintenance. Maintenance on the Gladiator will partly depend on how much offroad driving you do. But, the better you take care of your vehicle the better your premiums.
  • Coverage. Since it’s a brand-new model, you’ll probably want to consider carrying at least comprehensive and collision coverage for an extra cost, especially if you’re financing your Jeep. This will cover you for theft and other risks that could happen to your car while offroading.
  • Warranty. Jeep offers a five-year, 60,000-mile powertrain warranty through Fiat’s Mopar service. The warranty usually comes with roadside assistance, which allows you to skip that coverage on your insurance until your warranty expires.

Does the Jeep Gladiator qualify for discounts?

Yes, although safety discounts will partly depend on the edition of the Gladiator that you purchase. Here’s some you may see:

  • Active restraints
  • Antilock brakes
  • Seatbelt pretensioners
  • Passive disabling

How reliable is the Jeep Gladiator?

The new Gladiator is awaiting official reliability and safety ratings, but the similar Wrangler sees middling scores in both categories.

  • Safety. The Jeep Gladiator has no official safety ratings, but the similar Wrangler offers only average safety ratings
  • Reliability. Reliability ratings haven’t officially been released, but J.D. Power gives it a predicted rating of just 2.5 of 5, the same as the Wrangler.
  • Recalls. Jeep’s had a bad run of recalls. Jeep experienced over 1.5 million recalls in 2013 on multiple models, and the 2019 Wrangler already has two recalls for the steering wheel and front track bar.

Bottom line

The 2020 Jeep Gladiator is the carmaker’s latest foray into pickup trucks based on its popular Wrangler frame. Reliability and safety ratings aren’t official yet but are expected to be middle of the road, unlike the predicted insurance rates.

If you decide on buying the Gladiator, compare insurance companies to find the lowest rate possible on this already expensive model.

Frequently asked questions about the Jeep Gladiator

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