RAM 1500 Car Insurance Cost 2025
Getting insurance for a RAM 1500 costs $972 per year, on average. However, the exact cost can vary based on factors such as your age, the year of the car model, location, driving history, and the coverage options you choose. To get a more accurate estimate of your specific insurance costs, you can use our quote tables below to compare rates from different providers.
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If you’re thinking about buying a RAM 1500, one crucial aspect to think about is how much insurance will cost you. On average, insurance for a RAM 1500 costs $972 per year. Insurance is a big part of owning a car, and it’s important to understand what you’re signing up for before you make your decision.
If you don’t choose a good car insurance policy carefully, you might end up facing unexpected and potentially expensive bills later on. It’s not ideal to find out you don’t have enough coverage when you’re involved in an accident, leaving you with hefty out-of-pocket expenses. Additionally, there’s the possibility of your insurance rates going up if you’re held responsible for an accident.
Drawing from more than ten years of experience analyzing car insurance rates, I’ve noticed just how much these costs can vary. Factors such as your age, driving history, and where you live can all play a significant role in determining how much you’ll pay for insurance.
How Much Does RAM 1500 Car Insurance Cost?
Typically, Wolverine Mutual provides the best deal with an average annual rate of $972 for full coverage insurance on a 2024 RAM 1500.
It’s crucial to recognize that the cost of car insurance can vary significantly due to several factors. These factors include your location, driving history, the model year of your car, and the specific coverage options you select. Maintaining a clean driving record can result in lower premiums, while a history of accidents or traffic violations may lead to higher costs.
Moreover, residing in an urban area with heavy traffic might result in higher insurance rates compared to rural areas with less traffic. Additionally, the type of coverage you opt for will impact your premium – comprehensive insurance, covering both comprehensive and collision, generally costs more than minimum liability coverage.
As you can see from the table below, the cost of insurance for a RAM 1500 is typically more affordable compared to high-end models like Porsche, yet it may still be higher than the average for all cars.
Insuranceopedia can help you compare quotes from various auto insurance companies to ensure you find the best deal tailored to your needs.
| Vehicle | Average Monthly Premium |
| RAM 1500 | $160 |
| All Porsches | $130 |
| All Cars | $175 |
Average Insurance Cost Of RAM 1500 By Model Year
| Model Year | Average Premium |
| 2024 RAM 1500 | $1,328 |
| 2022 GMC Yukon | $769 |
| 2021 GMC Yukon | $592 |
| 2020 GMC Yukon | $390 |
| 2019 GMC Yukon | $577 |
| 2018 GMC Yukon | $605 |
| 2017 GMC Yukon | $615 |
| 2016 GMC Yukon | $530 |
| 2015 GMC Yukon | $679 |
| 2014 GMC Yukon | $521 |
| 2013 GMC Yukon | $624 |
2024 RAM 1500 Insurance Rates
The average annual insurance cost for a 2024 RAM 1500 is $1,328. However, Wolverine Mutual offers the cheapest rates, averaging $972 per year.
| Insurance Provider | Average Annual Cost |
| Hastings Mutual Insurance Co | $1,243 |
| Pioneer State Mutual Ins Co | $1,555 |
| Travelers | $1,477 |
| USAA | $1,326 |
| SECURA Insurance | $1,009 |
| Auto-Owners Insurance Co | $1,296 |
| Wolverine Mutual | $972 |
| Farm Bureau Ins of MI | $1,535 |
| Esurance | $1,534 |
| Chubb | $1,337 |
2023 RAM 1500 Insurance Rates
The average annual insurance cost for a 2023 RAM 1500 is $1,328. However, Safeco offers the cheapest rates, averaging $277 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $600 |
| Clearcover | $1,134 |
| Texas Farm Bureau Group | $944 |
| Concord Group | $797 |
| Safeco | $277 |
| Dairyland Broadform | $609 |
| American National P | $578 |
| Kemper Personal Insurance | $943 |
| Direct Auto | $1,010 |
| New York Central Mutual Fire | $800 |
2022 RAM 1500 Insurance Rates
The average annual insurance cost for a 2022 RAM 1500 is $769. However, Jupiter Auto Insurance offers the cheapest rates, averaging $34 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica | $284 |
| New York Central Mutual Fire | $1,072 |
| Mercury Insurance | $905 |
| NatGen Custom 360 | $415 |
| Jupiter Auto Insurance | $34 |
| Safeco | $439 |
| Victoria | $243 |
| Buckeye Insurance Group | $922 |
| MMG Insurance Company | $895 |
| American National P | $712 |
2021 RAM 1500 Insurance Rates
The average annual insurance cost for a 2021 RAM 1500 is $592. However, Jupiter Auto Insurance offers the cheapest rates, averaging $70 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica | $198 |
| Union Mutual Fire Group | $645 |
| Kemper Premium | $535 |
| Safeco | $354 |
| Jupiter Auto Insurance | $70 |
| AssuranceAmerica Economy | $352 |
| Kemper Personal Insurance | $174 |
| NatGen Value | $588 |
| AssuranceAmerica Elite | $581 |
| American National P | $466 |
2020 RAM 1500 Insurance Rates
The average annual insurance cost for a 2020 RAM 1500 is $390. However, Jupiter Auto Insurance offers the cheapest rates, averaging $26 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $446 |
| AssuranceAmerica Economy | $829 |
| Mercury Insurance | $720 |
| NatGen PPA | $583 |
| Jupiter Auto Insurance | $26 |
| Kemper Personal Insurance | $582 |
| AssuranceAmerica | $405 |
| Union Mutual Fire Group | $714 |
| NatGen Custom 360 | $819 |
| American National P | $695 |
2019 RAM 1500 Insurance Rates
The average annual insurance cost for a 2019 RAM 1500 is $390. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $264 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $407 |
| Kemper Auto | $839 |
| Titan | $851 |
| NatGen Custom 360 | $548 |
| AssuranceAmerica Mobile Max | $264 |
| American National P | $490 |
| Dairyland FR Bond | $373 |
| Concord Group | $858 |
| AssuranceAmerica Elite | $841 |
| AssuranceAmerica Economy | $582 |
2018 RAM 1500 Insurance Rates
The average annual insurance cost for a 2018 RAM 1500 is $605. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $227 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland FR Bond | $361 |
| Buckeye Insurance Group | $943 |
| NatGen Custom 360 | $779 |
| American National P | $653 |
| AssuranceAmerica Mobile Max | $227 |
| Safeco | $385 |
| Kemper Personal Insurance | $338 |
| New York Central Mutual Fire | $817 |
| Mercury Insurance | $845 |
| Concord Group | $806 |
Find Affordable RAM 1500 Insurance Rates
2017 RAM 1500 Insurance Rates
The average annual insurance cost for a 2017 RAM 1500 is $615. However, Kemper Personal Insurance offers the cheapest rates, averaging $227 per year.
| Insurance Provider | Average Annual Cost |
| Infinity Special | $269 |
| Dairyland FR Bond | $887 |
| NatGen PPA | $682 |
| Mercury Insurance | $534 |
| Kemper Auto Premium | $255 |
| Safeco | $308 |
| Kemper Personal Insurance | $229 |
| Dairyland Broadform | $753 |
| Concord Group | $767 |
| American National P | $619 |
2016 RAM 1500 Insurance Rates
The average annual insurance cost for a 2016 RAM 1500 is $530. However, Safeco offers the cheapest rates, averaging $162 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premium | $555 |
| Utica National Ins Group | $1,061 |
| NatGen Custom 360 | $795 |
| Mercury Insurance | $667 |
| Safeco | $162 |
| American National P | $601 |
| Dairyland Auto 1 Month | $304 |
| North Carolina Farm Bureau | $919 |
| Kemper Auto Premier | $1,016 |
| Dairyland Broadform | $710 |
2015 RAM 1500 Insurance Rates
The average annual insurance cost for a 2015 RAM 1500 is $679. However, Dairyland Auto 1 Month offers the cheapest rates, averaging $234 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $292 |
| Utica National Ins Group | $762 |
| Buckeye Insurance Group | $626 |
| Mercury Insurance | $495 |
| Dairyland Auto 1 Month | $234 |
| NatGen Custom 360 | $466 |
| AssuranceAmerica Mobile Max | $247 |
| American National P | $686 |
| Plymouth Rock Assurance | $764 |
| Dairyland FR Bond | $641 |
2014 RAM 1500 Insurance Rates
The average annual insurance cost for a 2014 RAM 1500 is $679. However, Safeco offers the cheapest rates, averaging $110 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland FR Bond | $274 |
| Pekin Insurance | $976 |
| Buckeye Insurance Group | $854 |
| NatGen Custom 360 | $531 |
| Safeco | $110 |
| American National P | $522 |
| Kemper Personal Insurance | $216 |
| SECURA Insurance | $951 |
| Concord Group | $942 |
| North Carolina Farm Bureau | $861 |
2013 RAM 1500 Insurance Rates
The average annual insurance cost for a 2013 RAM 1500 is $624. However, Safeco offers the cheapest rates, averaging $95 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $347 |
| Pekin Insurance | $1,009 |
| Buckeye Insurance Group | $837 |
| AssuranceAmerica Mobile Max | $689 |
| Safeco | $95 |
| American National P | $530 |
| Kemper Auto | $189 |
| SECURA Insurance | $949 |
| NatGen Custom 360 | $964 |
| New York Central Mutual Fire | $810 |
Find Affordable RAM 1500 Insurance Rates
:Is A RAM 1500 Expensive To Insure?
The cost to insure a RAM 1500 is lower than the overall average for all cars. However, the exact amount you’ll pay for car insurance will depend on several factors such as your age, the age and model of your vehicle, where you live, your driving history, and the type of coverage you choose. To find the best rate, it’s essential to compare quotes from multiple insurance providers based on these factors.
Cost of RAM 1500 Car Insurance By Age
Age is a crucial factor in determining car insurance rates. Teen drivers typically face the highest premiums because they are statistically more likely to be involved in accidents. As you get older and gain more driving experience, your insurance premiums tend to decrease, as you are considered a lower risk. This trend continues into middle age, and drivers in their 30s to 50s generally see more affordable rates. However, as you enter your senior years, premiums may start to rise again due to factors like reduced reaction times and increased likelihood of health-related issues.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,755 | $11,404 | $13,346 |
| 18 | $7,225 | $10,616 | $12,415 |
| 19 | $6,401 | $9,361 | $11,016 |
| 20 | $5,577 | $8,213 | $9,597 |
| 21 | $4,677 | $6,911 | $8,044 |
| 22 | $4,563 | $6,731 | $7,807 |
| 23 | $3,995 | $5,841 | $6,874 |
| 24 | $3,806 | $5,534 | $6,474 |
| 25 | $3,278 | $4,789 | $5,600 |
| 30 | $2,559 | $3,718 | $4,355 |
| 35 | $2,384 | $3,498 | $4,108 |
| 40 | $2,295 | $3,355 | $3,919 |
| 45 | $2,247 | $3,239 | $3,867 |
| 55 | $2,023 | $2,963 | $3,499 |
| 65 | $2,103 | $3,127 | $3,684 |
| 75 | $2,715 | $3,953 | $4,617 |
RAM 1500 Car Insurance Rates By State
Where you live significantly affects your car insurance premiums, as each state has its own regulations and risk factors. For instance, Michigan drivers tend to pay higher premiums due to state laws that require higher coverage levels. Additionally, the climate in your area plays a role—states with extreme weather, like hurricanes, floods, or severe storms, are riskier for insurers and can result in higher rates.
Local crime rates, including the frequency of car thefts, as well as the number of accidents and fatalities in your area, also influence insurance costs. Areas with higher traffic congestion and more accidents tend to have higher premiums, as insurers calculate these risks when setting rates. Therefore, living in an area with fewer accidents and lower crime rates can help reduce your insurance costs.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,446 | $3,518 | $4,481 |
| Alaska | $2,010 | $2,796 | $2,673 |
| Arizona | $2,258 | $3,288 | $4,840 |
| Arkansas | $2,468 | $3,950 | $4,318 |
| California | $2,795 | $4,903 | $2,745 |
| Colorado | $2,555 | $3,667 | $4,608 |
| Connecticut | $3,304 | $5,103 | $6,508 |
| Delaware | $2,736 | $3,672 | $4,685 |
| Florida | $3,273 | $4,488 | $5,890 |
| Hawaii | $1,025 | $1,419 | $1,059 |
| Idaho | $1,830 | $2,466 | $2,969 |
| Illinois | $1,957 | $2,925 | $3,298 |
| Indiana | $1,974 | $2,996 | $3,431 |
| Iowa | $1,539 | $2,155 | $2,533 |
| Kansas | $2,078 | $3,040 | $3,536 |
| Kentucky | $3,039 | $4,412 | $5,212 |
| Louisiana | $3,888 | $5,866 | $6,380 |
| Maine | $1,453 | $2,056 | $3,022 |
| Maryland | $2,391 | $3,446 | $3,833 |
| Massachusetts | $1,887 | $3,352 | $1,902 |
| Michigan | $4,563 | $7,003 | $11,013 |
| Minnesota | $1,861 | $2,503 | $3,544 |
| Mississippi | $2,285 | $3,282 | $3,270 |
| Missouri | $2,152 | $3,081 | $4,041 |
| Montana | $2,211 | $3,037 | $3,515 |
| Nebraska | $1,863 | $2,776 | $2,985 |
| Nevada | $3,042 | $4,533 | $4,785 |
| New Hampshire | $2,136 | $3,346 | $4,250 |
| New Jersey | $2,346 | $3,651 | $4,830 |
| New Mexico | $2,366 | $3,530 | $3,646 |
| New York | $2,203 | $2,753 | $4,632 |
| North Carolina | $1,408 | $2,386 | $1,689 |
| North Dakota | $1,885 | $2,834 | $3,372 |
| Ohio | $1,670 | $2,570 | $2,636 |
| Oklahoma | $2,668 | $3,773 | $4,297 |
| Oregon | $2,428 | $3,280 | $3,897 |
| Pennsylvania | $2,066 | $3,005 | $3,527 |
| Rhode Island | $3,447 | $5,024 | $5,635 |
| South Carolina | $2,290 | $3,249 | $4,411 |
| South Dakota | $2,087 | $3,004 | $3,452 |
| Tennessee | $2,439 | $3,588 | $4,792 |
| Texas | $2,503 | $3,577 | $4,449 |
| Utah | $2,099 | $2,942 | $4,026 |
| Vermont | $1,631 | $2,481 | $2,649 |
| Virginia | $1,488 | $2,318 | $2,293 |
| Washington | $2,013 | $2,742 | $3,251 |
| West Virginia | $2,038 | $2,904 | $3,608 |
| Wisconsin | $2,015 | $3,141 | $3,603 |
| Wyoming | $1,882 | $2,634 | $2,792 |
| Georgia | $2,667 | $3,948 | $4,023 |
Find Affordable RAM 1500 Insurance Rates
Cheapest Car Insurance Companies For A RAM 1500
If you’re looking for the most affordable car insurance for your RAM 1500, Mile Auto offers a competitive rate of $78 per month, making them the cheapest option for this model. However, it’s important to remember that insurance rates can vary depending on your specific profile, including factors like your age, driving history, and location. To ensure you’re getting the best deal, it’s a good idea to shop around and compare quotes from different providers. This will help you find the most cost-effective policy for your needs.
| Company | Average Monthly Rate |
| Mile Auto | $78 |
| Certainly | $80 |
| Root | $89 |
| Safeco | $101 |
| Just Insure | $97 |
Common RAM 1500 Insurance Discounts
Discounts are an excellent way to lower your car insurance premiums. While every provider has its own set of discounts, here are some common ones you may be able to take advantage of:
- Multi-policy: Bundling your auto and home insurance with the same provider often results in a lower premium.
- Pay annually: If you choose to pay your premium in one lump sum rather than monthly installments, you may receive a discount.
- Defensive driving: Completing a defensive driving course from a certified institution can make you eligible for discounted rates.
There may be additional discounts available based on your specific situation. It’s always a good idea to check with your insurance agent to ensure you’re receiving all the discounts you’re eligible for.
Ways To Save On RAM 1500 Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your RAM 1500 insurance costs low. Having a speeding ticket or being involved in an accident can lead to higher premiums. For instance, RAM 1500 drivers with a ticket on their record can expect to pay about $108 per month, while those with multiple accidents might pay an average of $100 per month. By avoiding such incidents, you can help reduce your insurance costs.
Additionally, the number of miles you drive annually can affect your insurance rates. Drivers with lower annual mileage typically pay less for insurance, as they have fewer opportunities to be involved in accidents, making them a lower risk to insure. RAM 1500 drivers who drive between 2,501-5,000 miles per year will pay around $65 per month for car insurance, while those who drive more than 10,000 miles annually may pay about $79 per month.
Compare RAM 1500 To Other RAM Models
Looking for other RAM model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile used for this calculation was a 40-year-old male driver purchasing full-coverage car insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind, however, that the figures in this guide may vary based on individual circumstances, such as driving history, location, and specific coverage choices.
Quotes Analyzed
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Research Hours
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FAQs
Do You Need Insurance Before You Can Purchase A RAM 1500?
Yes, you’ll need to provide proof of insurance before you can drive your RAM 1500 off the dealership lot. It’s typically best to buy a policy in advance and inform your insurance company about your upcoming car purchase. This way, you can have your coverage set up and avoid buying insurance through the dealership, which may not always be the most cost-effective option.
How Can You Get The Cheapest Insurance For Your RAM 1500?
The best way to find the cheapest rates for your RAM 1500 is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers directly on our website, helping you find the best deal that suits your needs.
