Insurance
Full-coverage insurance averages $1,560 a year nationally for this vehicle — roughly 1.6× its maintenance bill. ACI estimate anchored to AAA's 2025 national average ($1,694/yr full coverage).
Report ACI-JEE-GLADIATOR · Updated July 2026 · Figures are ACI model estimates
The Jeep Gladiator costs about $983 a year to maintain — $670 in year one rising to $1,480 by year ten, or $9,825 across a decade. That ranks #40 of 52 vehicles tracked by AutoCostIndex. Figures are modeled estimates at 12,000 miles a year with independent-shop labor, covering scheduled maintenance and expected repairs but not fuel, insurance, or depreciation.
The Jeep Gladiator ranks #40 of 52 vehicles we track — mid-pack for annual maintenance cost.
Vehicle age, years · figures at 12,000 mi/yr, independent shop
Spending rises steadily with age, from $670 in year 1 to $1480 by year 10, without a sharp break.
| Service | Typical cost | Interval |
|---|---|---|
| Oil change (synthetic) | $95 | 7,500 mi |
| Cabin + engine air filters | $80 | 15,000 mi |
| Brake pads (front, pair) | $380 | 48,000 mi |
| Tires (set of 4) | $1,000 | 45,000 mi |
| Front + rear differential fluid | $180 | 40,000 mi |
| Vehicle age | Annual cost | Cumulative |
|---|---|---|
| Age 1 | $670 | $670 |
| Age 2 | $685 | $1,355 |
| Age 3 | $730 | $2,085 |
| Age 4 | $800 | $2,885 |
| Age 5 | $880 | $3,765 |
| 5-year total | $3,765 | $3,765 |
Full-coverage insurance averages $1,560 a year nationally for this vehicle — roughly 1.6× its maintenance bill. ACI estimate anchored to AAA's 2025 national average ($1,694/yr full coverage).
The Jeep Gladiator ranks #40 of 52 vehicles we track — mid-pack for annual maintenance cost.
Routine costs are fluid-and-wear driven: oil at 7,500-mile intervals, filters, brakes, and tires. Tires (set of 4) is the single largest routine bill at $1000.
| Vehicle | Avg annual | 10-yr total | vs. Gladiator |
|---|---|---|---|
| Jeep GladiatorThis page | $983 | $9,825 | — |
| Toyota Tacoma | $760 | $7,595 | −$223/yr |
| Nissan Frontier | $863 | $8,630 | −$120/yr |
| Jeep Wrangler | $1,061 | $10,610 | +$78/yr |
It is about average. The Gladiator averages $983 a year in maintenance and typical repairs, ranking #40 of 52 vehicles on AutoCostIndex. That is mid-pack among vehicles we track.
$983 a year averaged over the first ten years — about $82 a month. Year 1 runs roughly $670; by year 10 the annual figure reaches $1480. Ten-year total: $9,825.
The routine items are oil change (synthetic) (~$95), cabin + engine air filters (~$80), brake pads (front, pair) (~$380). Intervals and full pricing for every service are in the table on this page.
Fuel or charging, insurance (about $1,560 a year nationally for this vehicle), collision damage, parking, tolls, taxes, and registration. The figure covers scheduled maintenance plus typical age-related repairs, modeled per our methodology.
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Every figure on this page is a modeled estimate from the ACI maintenance model: each routine service is amortized per mile from its manufacturer-schedule interval, priced at independent-shop labor rates, with an age-based repair expectation on top. The method is open — the exact formula, its calibration against AAA's published ownership-cost study, and its limitations are on the methodology page. Your invoices will differ; the model sets expectations, it doesn't predict a single car.
REFERENCES: AAA — Your Driving Costs 2025 (fact sheet) · AAA — Average mechanic labor rates by state (2026) · NHTSA — Safety recalls lookup · Updated 2026-07-19