Ford Ranger vs Jeep Gladiator Insurance Cost
The Ford Ranger is cheaper to insure by about $360 a year for full coverage by our estimate ($1,275 vs. $1,635), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Ford Ranger | Jeep Gladiator | Difference |
|---|---|---|---|
| State minimum | $505 | $765 | −$260 |
| Standard (100/300/100) | $730 | $1,110 | −$380 |
| Full coverage | $1,275 | $1,635 | −$360 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Ranger minus Gladiator.
Why one costs more to insure
| Factor | Ford Ranger | Jeep Gladiator |
|---|---|---|
| Segment | Pickup truck | Pickup truck |
| Powertrains | Gasoline | Gasoline, Diesel |
| HLDI collision (100 = avg) | 80 | 63 |
| HLDI comprehensive | 75 | 84 |
| HLDI property damage liability | 70 | 155 |
| HLDI bodily injury liability | — | 127 |
| NHTSA overall rating | 4★ | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 23 | 3 |
Collision losses are the biggest swing factor: the Ford Ranger has 17 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
Ranger vs Gladiator insurance by state
By driver profile (full coverage)
| Driver | Ranger | Gladiator |
|---|---|---|
| Teen driver (18, own policy) | $3,510 | $4,490 |
| Young adult (22) | $2,045 | $2,615 |
| Adult in their 30s | $1,275 | $1,635 |
| Adult in their 50s | $1,175 | $1,505 |
| Senior (72) | $1,430 | $1,830 |
| 30s, one at-fault accident | $1,850 | $2,370 |
| 30s, DUI on record | $2,360 | $3,020 |
More comparisons
Frequently asked questions
Is the Ford Ranger or the Jeep Gladiator cheaper to insure?
By our estimate the Ford Ranger is cheaper, by about $360 a year for full coverage ($1,275 vs. $1,635) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Ford Ranger and Jeep Gladiator?
Mostly because of insurance-loss history: HLDI collision indices of 80 vs. 63 and comprehensive indices of 75 vs. 84 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.