I added a "truedate" method to the validator.  I'd love to credit whoever's code this is, but I don't remember where I found it.
$.validator.addMethod("truedate", function (value) {
        function GetFullYear(year) {
            var twoDigitCutoffYear = 10 % 100;
            var cutoffYearCentury = 10 - twoDigitCutoffYear;
            return ((year > twoDigitCutoffYear) ? (cutoffYearCentury - 100 + year) : (cutoffYearCentury + year));
        }
    if (value == null || value == '')
        return true;
    var yearFirstExp = new RegExp("^\\s*((\\d{4})|(\\d{2}))([-/]|\\. ?)(\\d{1,2})\\4(\\d{1,2})\\.?\\s*$");
    try {
        m = value.match(yearFirstExp);
        var day, month, year;
        if (m != null && (m[2].length == 4)) {
            day = m[6];
            month = m[5];
            year = (m[2].length == 4) ? m[2] : GetFullYear(parseInt(m[3]));
        }
        else {
            var yearLastExp = new RegExp("^\\s*(\\d{1,2})([-/]|\\. ?)(\\d{1,2})(?:\\s|\\2)((\\d{4})|(\\d{2}))(?:\\s\u0433\\.)?\\s*$");
            m = value.match(yearLastExp);
            if (m == null) {
                return null;
            }
            day = m[3];
            month = m[1];
            year = (m[5].length == 4) ? m[5] : GetFullYear(parseInt(m[6]));
        }
        month -= 1;
        var date = new Date(year, month, day);
        if (year < 100) {
            date.setFullYear(year);
        }
        return (typeof (date) == "object" && year == date.getFullYear() && month == date.getMonth() && day == date.getDate()) ? date.valueOf() : null;
    }
    catch (err) {
        return null;
    }
}, "Please enter an actual date.");
$('form').validate({
                rules: {
                    insurance_GL: "truedate",
                },
                messages: {
                    insurance_GL: "Insurance GL date is not valid",
                }
});
EDIT
I must have gotten it from here:
Jquery datepicker: validate date mm/dd/yyyy