RAM 1500 Car Insurance Cost

Getting insurance for a RAM 1500 typically runs about $949 annually through Wolverine Mutual. Yet, the actual cost can vary based on factors like your age, the model year of your car, and other considerations. Check out our quote tables below to get a more accurate estimate of what it could cost you.

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Updated: 04 April 2024
Written by
Ahmed
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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. 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 $949 for full coverage insurance on a 2024 RAM 1500.

While Wolverine Mutual’s rate serves as a good reference point, it’s crucial to recognize that the price of car insurance can vary significantly based on various factors. These factors encompass your location, driving history, the age of your car, and the specific coverage options you select. Maintaining a clean driving record typically results in lower premiums, while a history of accidents or traffic violations can drive up your expenses.

Furthermore, residing in an urban area characterized by heavy traffic may lead to higher insurance rates compared to rural areas with less traffic congestion. The type of coverage you opt for also influences your premium; comprehensive coverage, which includes both comprehensive and collision coverage, tends to be more costly than minimum liability coverage.

At Insuranceopedia, we’re here to assist you in exploring your options and comparing quotes from different insurance providers to ensure you secure the most favorable deal.

2024 RAM 1500 Insurance Rates

Insurance Provider Average Annual Cost
Wolverine Mutual $949
SECURA Insurance $1,070
Hastings Mutual Insurance Co $1,212
Auto-Owners Insurance Co $1,328
USAA $1,376
Chubb $1,492
Esurance $1,516
Mercury $1,607
Pioneer State Mutual Ins Co $1,667
MEEMIC Insurance Company $1,736

2023 RAM 1500 Insurance Rates

Insurance Provider Average Annual Cost
Safeco $283
American National P $567
Kemper Auto | Infinity $585
Concord Group $766
New York Central Mutual Fire $791
Texas Farm Bureau Group $994
Kemper Personal Insurance $988
Direct Auto $977
Clearcover $1,110
Safety Group $1,168

2022 RAM 1500 Insurance Rates

Insurance Provider Average Annual Cost
Jupiter Auto Insurance $5
Victoria $207
NatGen Custom 360 $452
Safeco $487
American National P $735
Pekin Insurance $894
MMG Insurance Company $931
Mercury Insurance $946
New York Central Mutual Fire $1,265
Titan $1,266

2021 RAM 1500 Insurance Rates

Insurance Provider Average Annual Cost
AssuranceAmerica $136
Kemper Personal Insurance $127
AssuranceAmerica Economy $262
AssuranceAmerica Elite $506
Safeco $513
Victoria $562
American National P $643
NatGen Custom 360 $699
Kemper Auto $697
NatGen Value $789

2020 RAM 1500 Insurance Rates

Insurance Provider Average Annual Cost
AssuranceAmerica $462
SAFECO $610
American National P&C $635
American National P $671
Kemper Personal Insurance $710
NatGen PPA $807
Union Mutual Fire Group $814
Dairyland Broadform $797
NatGen Custom 360 $817
AssuranceAmerica Economy $830

2019 RAM 1500 Insurance Rates

Insurance Provider Average Annual Cost
AssuranceAmerica Mobile Max $201
National General RAD $429
Jupiter Auto Insurance $531
SAFECO $535
Dairyland FR Bond $552
NatGen Custom 360 $567
AssuranceAmerica Economy $606
American National P $588
American National P&C $637
Union Mutual Fire Group $655

2018 RAM 1500 Insurance Rates

Insurance Provider Average Annual Cost
AssuranceAmerica Mobile Max $249
Kemper Personal Insurance $299
Dairyland FR Bond $365
SAFECO $478
American National P $693
NatGen Custom 360 $810
Union Mutual Fire Group $855
Concord Group $900
Countryway Insurance $920
Mercury Insurance $959

2017 RAM 1500 Insurance Rates

Insurance Provider Average Annual Cost
Kemper Personal Insurance $196
Infinity Special $223
Jupiter Auto Insurance $374
American National P&C $412
Kemper Auto Premium $521
SAFECO $523
American National P $607
NatGen PPA $706
Dairyland Broadform $728
AssuranceAmerica Mobile Max $756

2016 RAM 1500 Insurance Rates

Insurance Provider Average Annual Cost
Kemper Personal Insurance $119
Jupiter Auto Insurance $302
Dairyland Broadform $320
Dairyland Auto 1 Month $314
SAFECO $353
American National P&C $566
American National P $669
NatGen PPA $748
Mercury Insurance $900
Verti Insurance $898

2015 RAM 1500 Insurance Rates

Insurance Provider Average Annual Cost
Kemper Personal Insurance $120
Dairyland Auto 1 Month $201
AssuranceAmerica Mobile Max $232
SAFECO $441
NatGen Custom 360 $496
Dairyland FR Bond $630
Mercury Insurance $737
American National P $745
Jupiter Auto Insurance $847
New York Central Mutual Fire $895

2014 RAM 1500 Insurance Rates

Insurance Provider Average Annual Cost
Kemper Auto Premier $195
Kemper Personal Insurance $197
Dairyland FR Bond $258
Dairyland Auto 1 Month $310
SAFECO $381
NatGen Custom 360 $617
American National P $666
Jupiter Auto Insurance $650
Concord Group $846
Buckeye Insurance Group $881

2013 RAM 1500 Insurance Rates

Insurance Provider Average Annual Cost
Kemper Auto $204
SAFECO $338
Mercury Insurance $513
American National P&C $548
American National P $695
AssuranceAmerica Mobile Max $689
Buckeye Insurance Group $806
Bear River $834
SECURA Insurance $910
Jupiter Auto Insurance $890

Cost of RAM 1500 Car Insurance By Age

Driver Age Good Driver Recent Accident Poor Credit
17 $5,901 $8,674 $10,159
18 $5,514 $8,060 $9,434
19 $4,871 $7,151 $8,356
20 $4,219 $6,209 $7,290
21 $3,567 $5,200 $6,113
22 $3,458 $5,091 $5,947
23 $3,043 $4,433 $5,207
24 $2,892 $4,234 $4,923
25 $2,483 $3,646 $4,257
30 $1,933 $2,851 $3,321
35 $1,823 $2,662 $3,118
40 $1,761 $2,564 $2,976
45 $1,688 $2,492 $2,916
55 $1,569 $2,299 $2,674
65 $1,631 $2,383 $2,797
75 $2,063 $2,993 $3,502

RAM 1500 Car Insurance Rates By State

State Good Driver Recent Accident Poor Credit
Alabama $1,830 $2,696 $3,394
Alaska $1,531 $2,100 $2,051
Arizona $1,716 $2,486 $3,683
Arkansas $1,908 $2,967 $3,270
California $2,106 $3,714 $2,090
Colorado $1,972 $2,767 $3,493
Connecticut $2,520 $3,909 $4,963
Delaware $2,086 $2,753 $3,567
Florida $2,497 $3,422 $4,458
Hawaii $795 $1,101 $803
Idaho $1,384 $1,852 $2,245
Illinois $1,466 $2,230 $2,510
Indiana $1,491 $2,309 $2,598
Iowa $1,206 $1,650 $1,918
Kansas $1,570 $2,299 $2,694
Kentucky $2,293 $3,375 $3,970
Louisiana $2,964 $4,457 $4,821
Maine $1,135 $1,526 $2,260
Maryland $1,809 $2,615 $2,914
Massachusetts $1,466 $2,540 $1,431
Michigan $3,471 $5,312 $8,383
Minnesota $1,418 $1,933 $2,700
Mississippi $1,743 $2,474 $2,504
Missouri $1,624 $2,339 $3,061
Montana $1,679 $2,326 $2,709
Nebraska $1,408 $2,070 $2,244
Nevada $2,310 $3,422 $3,631
New Hampshire $1,627 $2,534 $3,223
New Jersey $1,765 $2,780 $3,632
New Mexico $1,820 $2,695 $2,789
New York $1,665 $2,135 $3,540
North Carolina $1,027 $1,804 $1,270
North Dakota $1,411 $2,173 $2,548
Ohio $1,282 $1,939 $2,002
Oklahoma $2,036 $2,913 $3,269
Oregon $1,866 $2,491 $2,941
Pennsylvania $1,548 $2,264 $2,686
Rhode Island $2,606 $3,799 $4,293
South Carolina $1,762 $2,436 $3,369
South Dakota $1,589 $2,298 $2,645
Tennessee $1,854 $2,737 $3,659
Texas $1,861 $2,692 $3,386
Utah $1,579 $2,231 $3,092
Vermont $1,219 $1,890 $2,014
Virginia $1,172 $1,759 $1,731
Washington $1,549 $2,066 $2,459
West Virginia $1,537 $2,224 $2,748
Wisconsin $1,542 $2,400 $2,737
Wyoming $1,440 $1,996 $2,126
Georgia $2,005 $3,006 $3,041

FAQs

Who has the cheapest car insurance for a RAM 1500?

Wolverine Mutual has the cheapest car insurance for the RAM 1500 for the model year 2024.

Which company offers the best car insurance for a Honda Accord?

Based on a combination of having the lowest rates, comprehensive coverage, and top-rated customer service, we believe Wolverine Mutual offers the best car insurance for a RAM 1500.

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