RAM 1500 Classic Car Insurance Cost 2025
On average, getting insurance for a RAM 1500 Classic costs around $1,157 per year. However, your actual premium may differ depending on factors such as your age, the model year of your truck, your location, driving history, and the type of coverage you choose. Reviewing our quote tables below can help you estimate your specific insurance costs.
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Insuring a 2025 RAM 1500 Classic typically costs around $1,157 per year, though rates can vary based on factors like location, driving history, and coverage level .
For instance, Lemonade reports monthly premiums ranging from $48 to $54 for the RAM 1500 Classic Crew Cab . Additionally, Insuranceopedia notes that the average annual premium for a RAM 1500 Classic is approximately $1,157 .
These figures suggest that the RAM 1500 Classic is relatively affordable to insure compared to other pickup trucks. However, individual premiums may differ based on personal circumstances.
How Much Does RAM 1500 Car Insurance Cost?
Typically, RAM 1500 drivers can find car insurance at an average rate of $1,157 per year. However, actual premiums can vary depending on factors such as age, location, driving history, and the level of coverage selected.
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 Classic is typically more affordable compared to high-end models like RAM, 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 Classic | $160 |
| All RAMs | $130 |
| All Cars | $175 |
Average Insurance Cost Of RAM 1500 Classic By Model Year
| Model Year | Average Premium |
| 2025 RAM 1500 Classic | $1,130 |
| 2024 RAM 1500 Classic | $1,157 |
| 2022 RAM 1500 Classic | $1,036 |
| 2021 RAM 1500 Classic | $851 |
| 2020 RAM 1500 Classic | $785 |
| 2019 RAM 1500 Classic | $689 |
2025 RAM 1500 Classic Insurance Rates
The average annual insurance cost for a 2025 RAM 1500 Classic is $1,130. However, Mercury Insurance offers the cheapest rates, averaging $998 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $998 |
| Plymouth Rock | $1,208 |
| Hastings Mutual Insurance Co | $1,176 |
| Direct Auto | $1,239 |
| SECURA Insurance | $1,386 |
| Erie | $1,386 |
| National General RAD | $1,355 |
| Farm Bureau Ins of MI | $1,439 |
| American National P | $745 |
| Safeco | $370 |
2024 RAM 1500 Classic Insurance Rates
The average annual insurance cost for a 2024 RAM 1500 Classic is $1,157. However, American National Po offers the cheapest rates, averaging $710 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $950 |
| Farm Bureau Ins of MI | $1,370 |
| National General RAD | $1,290 |
| Direct Auto | $1,180 |
| Hastings Mutual Insurance Co | $1,120 |
| American National P | $710 |
| SECURA Insurance | $1,320 |
| Erie | 1,320 |
| Plymouth Rock | $1,150 |
2022 RAM 1500 Classic Insurance Rates
The average annual insurance cost for a 2022 RAM 1500 is $1,036. However, Kemper Auto | Infinity offers the cheapest rates, averaging $560 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $877 |
| Farm Bureau Ins of MI | $1,309 |
| National General RAD | $1,217 |
| Direct Auto | $1,109 |
| Kemper Auto | Infinity | $560 |
| Hastings Mutual Insurance Co | $1,051 |
| American National P | $645 |
| SECURA Insurance | $1,249 |
| Erie | $1,246 |
| Plymouth Rock | $1,092 |
2021 RAM 1500 Classic Insurance Rates
The average annual insurance cost for a 2021 RAM 1500 Classic is $851. However, Safeco offers the cheapest rates, averaging $355 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $679 |
| Capital Insurance Group | $1,314 |
| New York Central Mutual Fire | $1,080 |
| Concord Group | $779 |
| Safeco | $352 |
| National General Value | $724 |
| American National P | $461 |
| MMG Insurance Company | $1,088 |
| Patriot Group | $1,184 |
| Countryway Insurance | $846 |
2020 RAM 1500 Classic Insurance Rates
The average annual insurance cost for a 2020 RAM 1500 Classic is $785. However, Safeco offers the cheapest rates, averaging $214 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | $654 |
| Concord Group | $1,012 |
| MMG Insurance Company | $973 |
| Kemper Auto | Infinity | $851 |
| Safeco | $214 |
| SECURA Insurance | $757 |
| American National P | $632 |
| Mercury Insurance | $962 |
| Safety Group | $960 |
| Countryway Insurance | $832 |
2019 RAM 1500 Classic Insurance Rates
The average annual insurance cost for a 2019 RAM 1500 Classic is $851. However, Safeco offers the cheapest rates, averaging $327 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $534 |
| IMT Insurance Company | $1,075 |
| Mercury Insurance | $700 |
| Kemper Auto | $689 |
| Safeco | $327 |
| Dairyland FR Bond | $644 |
| AssuranceAmerica Mobile Max | $411 |
| Buckeye Insurance Group | $794 |
| Pekin Insurance | $1,030 |
| American National P&C | $686 |
Find Affordable RAM 1500 Classic Insurance Rates
Are RAM 1500 Classics Expensive To Insure?
The RAM 1500 Classic is generally considered affordable to insure, with rates often below the national average for pickup trucks. For instance, the average annual premium for a RAM 1500 Classic is approximately $2,177, which is competitive compared to other models in its class .
However, insurance costs can vary based on several factors, including the driver’s age, location, driving history, and chosen coverage levels. Additionally, data indicates that RAM drivers have a higher incidence of speeding and accidents, which can influence insurance premiums . Overall, while the RAM 1500 Classic is not the cheapest truck to insure, it remains a cost-effective option for many drivers
Cost of RAM 1500 Classic Car Insurance By Age
Age is an important factor in determining car insurance rates for any vehicle. Typically, teenagers and young drivers face the highest premiums because they are statistically more likely to be involved in car accidents compared to older, more experienced drivers. Insurance companies view younger drivers as higher-risk, which results in higher costs.
However, as you get older and gain more driving experience, your insurance rates generally decrease. Drivers in their 30s, 40s, and 50s usually enjoy lower premiums, as they are considered lower-risk compared to younger drivers. Maintaining a clean driving record and gaining more experience behind the wheel can help further reduce insurance costs over time.
| Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,025 | $11,788 | $13,793 |
| 18 | $7,504 | $10,994 | $12,841 |
| 19 | $6,610 | $9,759 | $11,328 |
| 20 | $5,767 | $8,444 | $9,927 |
| 21 | $4,816 | $7,118 | $8,276 |
| 22 | $4,684 | $6,913 | $8,101 |
| 23 | $4,168 | $6,028 | $7,091 |
| 24 | $3,937 | $5,747 | $6,735 |
| 25 | $3,421 | $4,959 | $5,809 |
| 30 | $2,622 | $3,888 | $4,520 |
| 35 | $2,444 | $3,623 | $4,266 |
| 40 | $2,366 | $3,478 | $4,094 |
| 45 | $2,317 | $3,374 | $3,951 |
| 55 | $2,111 | $3,099 | $3,620 |
| 65 | $2,184 | $3,248 | $3,782 |
| 75 | $2,795 | $4,080 | $4,795 |
RAM 1500 Classic Car Insurance Rates By State
Where you live plays a significant role in determining your RAM 1500 insurance rates. Each state regulates its own auto insurance, which means coverage requirements and minimum limits vary. For example, drivers in Michigan often pay higher premiums because the state mandates higher levels of coverage. Additionally, local climate conditions can influence rates — areas prone to extreme weather events like hurricanes, storms, or flooding may have higher premiums due to the increased risk of damage.
Furthermore, insurance companies consider regional statistics related to crime and auto accidents, including rates of vehicle thefts, crashes, and fatalities. High-crime areas or places with heavy traffic are likely to have higher insurance costs. Considering all these factors, it’s important to compare quotes based on your specific location to find the most affordable rates for your RAM 1500.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,505 | $3,648 | $4,639 |
| Alaska | $2,067 | $2,864 | $2,804 |
| Arizona | $2,367 | $3,413 | $5,015 |
| Arkansas | $2,577 | $4,082 | $4,462 |
| California | $2,872 | $5,048 | $2,850 |
| Colorado | $2,680 | $3,753 | $4,775 |
| Connecticut | $3,443 | $5,331 | $6,755 |
| Delaware | $2,854 | $3,749 | $4,832 |
| Florida | $3,364 | $4,653 | $6,083 |
| Hawaii | $1,112 | $1,509 | $1,094 |
| Idaho | $1,869 | $2,545 | $3,064 |
| Illinois | $2,007 | $3,035 | $3,412 |
| Indiana | $2,071 | $3,148 | $3,537 |
| Iowa | $1,622 | $2,234 | $2,611 |
| Kansas | $2,153 | $3,176 | $3,666 |
| Kentucky | $3,132 | $4,587 | $5,420 |
| Louisiana | $4,016 | $6,057 | $6,539 |
| Maine | $1,525 | $2,084 | $3,060 |
| Maryland | $2,461 | $3,562 | $3,971 |
| Massachusetts | $1,952 | $3,431 | $1,939 |
| Michigan | $4,756 | $7,256 | $11,421 |
| Minnesota | $1,976 | $2,612 | $3,664 |
| Mississippi | $2,337 | $3,363 | $3,388 |
| Missouri | $2,233 | $3,159 | $4,165 |
| Montana | $2,270 | $3,140 | $3,679 |
| Nebraska | $1,888 | $2,853 | $3,077 |
| Nevada | $3,150 | $4,678 | $4,917 |
| New Hampshire | $2,151 | $3,475 | $4,382 |
| New Jersey | $2,406 | $3,794 | $4,974 |
| New Mexico | $2,444 | $3,671 | $3,818 |
| New York | $2,262 | $2,843 | $4,789 |
| North Carolina | $1,402 | $2,410 | $1,726 |
| North Dakota | $1,942 | $2,939 | $3,512 |
| Ohio | $1,730 | $2,682 | $2,702 |
| Oklahoma | $2,762 | $3,940 | $4,417 |
| Oregon | $2,481 | $3,370 | $4,029 |
| Pennsylvania | $2,113 | $3,105 | $3,603 |
| Rhode Island | $3,545 | $5,173 | $5,832 |
| South Carolina | $2,376 | $3,341 | $4,594 |
| South Dakota | $2,163 | $3,127 | $3,564 |
| Tennessee | $2,546 | $3,715 | $4,932 |
| Texas | $2,561 | $3,690 | $4,564 |
| Utah | $2,177 | $3,055 | $4,172 |
| Vermont | $1,653 | $2,564 | $2,731 |
| Virginia | $1,574 | $2,447 | $2,364 |
| Washington | $2,078 | $2,837 | $3,347 |
| West Virginia | $2,070 | $3,004 | $3,745 |
| Wisconsin | $2,088 | $3,246 | $3,717 |
| Wyoming | $1,976 | $2,756 | $2,906 |
| Georgia | $2,745 | $4,095 | $4,137 |
Find Affordable RAM 1500 Classic Insurance Rates
Cheapest Car Insurance Companies For A RAM 1500 Classic
The RAM 1500 Classic is relatively affordable to insure compared to many other trucks in its class. Insurance costs typically range from $85 to $111 per month with the cheapest providers. Companies like Just Insure, Certainly, Safeco, Mile Auto, and Root often offer lower premiums for this model, especially for drivers with clean records and standard liability coverage. These insurers tend to reward safe driving behavior and low mileage, which can further reduce rates. However, insurance prices vary depending on location, age, credit score, and chosen coverage. To get the best deal, it’s important to compare quotes from multiple providers.
| Insurance Company | Average Monthly |
| Just Insure | $99 |
| Certainly | $85 |
| Safeco | $111 |
| Mile Auto | $81 |
| Root | $91 |
Common RAM 1500 Classic Insurance Discounts
Discounts are an effective way to reduce your car insurance costs. While each provider offers different discounts, some common ones to consider include:
- Multi-policy Discount: Bundling your auto and home insurance with the same provider can lead to significant savings.
- Pay Annually Discount: Paying your premium in full upfront rather than in monthly installments can lower your overall cost.
- Defensive Driving Discount: Completing a certified defensive driving course can make you eligible for discounted rates.
There may be other discounts available, such as safe driver discounts, good student discounts, or low-mileage discounts. Speaking with your insurance agent can help you identify all the discounts you qualify for, ensuring you get the best rate possible.
Ways To Save On RAM 1500 Classic Insurance Costs
Maintaining a clean driving record is essential for keeping your RAM 1500 insurance costs down. Incidents like speeding tickets or accidents can significantly raise your premiums, with drivers who have a ticket on their record paying an average of $108 per month, while those with multiple accidents pay around $100 per month. Additionally, your annual mileage plays a significant role in determining your rates. Drivers who travel between 2,501 and 5,000 miles per year typically pay around $65 per month, while those exceeding 10,000 miles per year face higher premiums of approximately $79 per month. By avoiding accidents and keeping your mileage low, you can effectively reduce your insurance costs.
Compare RAM 1500 Classic To Other RAM Models
Looking for other RAM model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia compiled thousands of quotes from top auto insurance providers. The sample profile used for this analysis was a 40-year-old male driver purchasing a full-coverage policy with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, it's important to note that these figures are general estimates, and your actual insurance costs may vary based on your specific profile and coverage needs.
Quotes Analyzed
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FAQs
Do You Need Insurance Before You Can Purchase A RAM 1500 Classic?
Yes, you will need to provide proof of insurance before you can drive your RAM 1500 Classic out of the dealership. The best approach is to purchase a policy in advance, then notify your insurance company that you’re about to buy the car. This ensures you’re covered from the moment you take possession of your vehicle, and often avoids the added cost or confusion of buying insurance through the dealership.
How Can You Get The Cheapest Insurance For Your RAM 1500 Classic?
The best way to find the cheapest rates for your RAM 1500 Classic is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia makes it easy for you to compare quotes from multiple providers directly on our website, ensuring you get the best deal for your needs.
