Toyota Tacoma vs. Jeep Gladiator Car Insurance Comparison

• For 2024 models, a Toyota Tacoma is cheaper to insure than a Jeep Gladiator by $96 per year on average.
• Out of 10 models in the 2024 midsize truck segment, the Toyota Tacoma ranks seventh and the Jeep Gladiator ranks ninth for most affordable auto insurance.
• For the cheapest insurance rates, the SR XtraCab 2WD trim is the most affordable Toyota Tacoma to insure, while the Sport trim has the cheapest rates for the Jeep Gladiator.
• When compared to the average cost to insure a car in the U.S. of $2,221 per year, the Toyota Tacoma costs $151 more per year, while the Jeep Gladiator averages $247 more per year.

Is insurance cheaper for a Tacoma or Gladiator?

Insurance rates on a 2024 Toyota Tacoma cost an average of $2,372 per year, while the 2024 Jeep Gladiator costs an average of $2,468 per year, making the Toyota Tacoma the model with lower average insurance cost.

For the 19 trims available for the 2024 Toyota Tacoma, the cheapest model to insure is the SR XtraCab 2WD model at an average cost of $2,150 per year, or $179 per month.

For the seven trims available for the Jeep Gladiator, the cheapest 2024 trim level to insure is the Sport model at a cost of $2,300.

When all 26 trims of both models are combined and compared, the lowest-cost model and trim is the Toyota Tacoma SR XtraCab 2WD at a cost of $2,150 per year. The most expensive model and trim level is the Toyota Tacoma Trailhunter at a cost of $2,610 per year.

The next table ranks the cost of car insurance for 2024 Toyota Tacoma and Jeep Gladiator models, with average rates for every trim level for each model.

The chart below shows the average cost to insure both models rated for drivers aged 20 to 50. Average insurance cost ranges from $2,110 to $4,794 per year for a 2024 Toyota Tacoma, and $2,192 to $5,008 for a 2024 Jeep Gladiator for the age groups used in this illustration.

The next two rate tables display all the available trims for both 2024 models, as well as an average rate for each model. The 2024 Toyota Tacoma takes the win over the 2024 Jeep Gladiator for the cheapest overall car insurance rates.

2023 Toyota Tacoma vs. Jeep Gladiator

Car insurance for a 2023 Toyota Tacoma averages $2,078 per year, whereas insurance for a 2023 Jeep Gladiator costs an average of $2,366 per year, making the Toyota Tacoma the cheaper of the two to insure.

For the 24 trim levels available for the 2023 Toyota Tacoma, the cheapest trim to insure is the SR Access Cab 4WD model at an average cost of $1,932 per year. Out of the nine trims available for the Jeep Gladiator, the cheapest 2023 trim level to insure is the Sport trim at a cost of $2,220 per year, or about $185 per month.

When car insurance rates for all 33 trims of both models are combined and sorted by cost, the lowest-cost model and trim level to insure is the Toyota Tacoma SR Access Cab 4WD at a cost of $1,932 per year, and the highest-cost model and trim level is the Jeep Gladiator High Altitude costing an average of $2,480 per year.

The rate table below ranks the cost of car insurance for 2023 Toyota Tacoma and Jeep Gladiator models, showing average premium cost for each trim level.

The chart below demonstrates the average cost to insure both models using different driver ages. Insurance cost ranges from $1,848 to $4,184 per year for a 2023 Toyota Tacoma, and $2,102 to $4,826 for a 2023 Jeep Gladiator for the illustrated age groups.

The next two tables display average car insurance rates for every trim level for both 2023 models, along with an average cost for each model.

2022 Toyota Tacoma vs. Jeep Gladiator

When comparing 2022 Toyota Tacoma and Jeep Gladiator models, the model with the cheapest average car insurance rates is the Toyota Tacoma. Insurance on a Toyota Tacoma costs an average of $1,988 per year, while insurance for a Jeep Gladiator costs an average of $2,102 per year.

The specific trim of the vehicle you’re insuring can affect the cost of car insurance. To illustrate this, on a 2022 Toyota Tacoma, insurance rates range from the cheapest rate of $1,810 per year for the SR Access Cab 4WD model up to the highest rate of $2,244 for the TRD Pro AWD Automatic model.

For a 2022 Jeep Gladiator, rates can range from $1,972 per year for the Sport model up to $2,238 on the most expensive High Altitude model.

The rate table below ranks the annual and monthly car insurance cost for 2022 Toyota Tacoma and Jeep Gladiator models, showing average cost for each trim level.

The rate chart below illustrates the average insurance cost for the two models rated for drivers aged 20 to 50. Average car insurance cost ranges from $1,758 to $4,018 per year on a 2022 Toyota Tacoma, and $1,864 to $4,254 on a 2022 Jeep Gladiator for the different drivers illustrated in the chart

Out of 19 trim levels for the 2022 Toyota Tacoma, the cheapest rates are on the SR Access Cab 4WD model at a cost of $1,810 per year. For the nine different option levels available for the Jeep Gladiator, the cheapest 2022 model to insure is the Sport trim at a cost of $1,972.

When comparing aggregated rates for both models from a trim-level perspective, the lowest-cost model and trim level to buy insurance for is the Toyota Tacoma SR Access Cab 4WD at an average cost of $1,810 per year. The most expensive model and trim level is the Toyota Tacoma TRD Pro AWD Automatic costing $2,244 per year.

The tables below illustrate average car insurance rates for each trim level, as well as the overall average rate for each model. The model with the cheapest average car insurance rates for 2022 is the Toyota Tacoma.

2021 Toyota Tacoma vs. Jeep Gladiator

A 2021 Toyota Tacoma is $170 cheaper to insure per year on average than a 2021 Jeep Gladiator, a difference of 8.8%.

The chart shown below shows the average car insurance cost for the two models for a range of driver ages. For a 2021 Toyota Tacoma, the average car insurance cost ranges from $1,642 to $3,742 per year for the driver ages used. A full-coverage policy on a 2021 Jeep Gladiator ranges from $1,798 to $4,102 on average per year.

Out of 14 Toyota Tacoma trims, the cheapest 2021 trim to insure is the Access Cab SR5 2WD model at an average cost of $1,692 per year, or about $141 per month. The 2021 Jeep Gladiator has three different trim levels available, with the cheapest model to insure being the Sport Crew Cab 4WD trim at an average cost of $1,938 per year, or around $162 per month.

When car insurance rates for all 17 trims of both models are combined and sorted by cost, the most affordable model and trim level to put coverage on is the Toyota Tacoma Access Cab SR5 2WD at a cost of $1,692 per year. The most expensive vehicle to insure is the Jeep Gladiator Rubicon Crew Cab 4WD costing an average of $2,066 per year.

The tables shown below illustrate average car insurance cost by trim level for a 2021 Toyota Tacoma and Jeep Gladiator, including the average rate for each model. The model with the cheapest car insurance rates for 2021 is the Toyota Tacoma.

2020 Toyota Tacoma vs. Jeep Gladiator

A 2020 Toyota Tacoma is $168 cheaper to insure per year on average than a 2020 Jeep Gladiator, a difference of 8.9%.

The following chart visualizes the average insurance cost for both 2020 models for different driver ages. For a 2020 Toyota Tacoma, insurance cost ranges from $1,594 to $3,626 per year for the chosen age groups in the chart. Full-coverage insurance for a 2020 Jeep Gladiator ranges from $1,748 to $3,982 on average per year.

Out of 14 Toyota Tacoma trims, the cheapest 2020 trim level to insure is the Access Cab SR5 2WD model at an average cost of $1,644 per year, or $137 per month. The 2020 Jeep Gladiator has three trim levels available, with the cheapest model to insure being the Sport Crew Cab 4WD trim at an average cost of $1,884 per year, or $157 per month.

When average insurance prices for all 17 trim levels for both 2020 models are compared, the lowest-cost model and trim to buy insurance for is the Toyota Tacoma Access Cab SR5 2WD at an average cost of $1,644 per year. The most expensive model and trim level is the Jeep Gladiator Rubicon Crew Cab 4WD at an average of $2,006 per year.

The next tables display trim level insurance rates for each 2020 model, including an overall average cost for each model.

Additional Toyota Tacoma and Jeep Gladiator Resources

• Toyota Tacoma Insurance Cost
• Jeep Gladiator Insurance Cost
• Midsize Truck Insurance Cost Comparisons