RAM 4500 Car Insurance Cost 2025
Getting insurance for a RAM 4500 costs an average of $523 per year. However, the exact cost can vary based on factors such as your age, the year of the car model, and other considerations. You can refer to our quote tables below to estimate your specific costs.
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If you’re thinking about buying a RAM 4500, don’t forget to factor in the cost of insurance. On average, insurance for a RAM 4500 costs $523 per year. Insurance is a big part of owning a car, so it’s important to understand what you’re getting into before making a decision.
Choosing the right car insurance is crucial to avoid unexpected and potentially expensive surprises later on. You don’t want to find yourself underinsured when accidents happen, facing hefty out-of-pocket expenses. Plus, being at fault in an accident can lead to higher premiums.
With over ten years of experience studying car insurance rates, I’ve seen how much these costs can vary. Your age, driving history, and where you live all play a significant role in determining your insurance premiums.
How Much Does RAM 4500 Car Insurance Cost?
Typically, RAM 4500 drivers can find car insurance at an average rate of $523 per year. However, actual rates may vary based on factors such as age, location, driving history, and coverage options.
Even though State Farm’s rate sets a good standard, it’s essential to recognize that car insurance costs can vary significantly based on several factors. These factors include where you live, your driving history, the year of your car model, 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 can drive up your costs.
Moreover, residing in a busy urban area might lead to higher rates compared to quieter rural areas. The type of coverage you opt for also affects your premium—comprehensive full coverage, including both comprehensive and collision coverage, typically costs more than basic liability coverage.
Insuranceopedia is available to assist you in comparing quotes from different insurance providers to ensure you secure the best deal possible.
Average Insurance Cost Of RAM 4500 By Model Year
| Model Year | Average Premium |
| 2022 RAM 4500 | $4,394 |
| 2021 RAM 4500 | $4,287 |
| 2020 RAM 4500 | $1,183 |
| 2019 RAM 4500 | $1,791 |
| 2017 RAM 4500 | $2,034 |
| 2016 RAM 4500 | $1,173 |
| 2015 RAM 4500 | $1,111 |
| 2014 RAM 4500 | $1,060 |
| 2013 RAM 4500 | $3,475 |
2022 RAM 4500 Insurance Rates
The average annual insurance cost for a 2022 RAM 4500 is $4,394. However, State Farm offers the cheapest rates, averaging $523 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $523 |
| Mercury | $1,199 |
| Permanent General | $1,720 |
| Home State Ins Group | $2,101 |
| Nationwide | $4,066 |
| Safe Auto | $5,460 |
| Dairyland Auto | $15,691 |
2021 RAM 4500 Insurance Rates
The average annual insurance cost for a 2021 RAM 4500 is $4,287. However, Mercury offers the cheapest rates, averaging $3,475 per year.
| Insurance Provider | Average Annual Cost |
| Mercury | $3,475 |
| Direct General Insurance | $4,939 |
| Metropolitan | $4,447 |
2020 RAM 4500 Insurance Rates
The average annual insurance cost for a 2020 RAM 4500 is $1,183. However, Travelers offers the cheapest rates, averaging $914 per year.
| Insurance Provider | Average Annual Cost |
| Travelers | $914 |
| Farmers | $1,476 |
| Metropolitan | $1,160 |
2019 RAM 4500 Insurance Rates
The average annual insurance cost for a 2019 RAM 4500 is $1,791. However, Farm Bureau Mutual (IA Group) offers the cheapest rates, averaging $1,315 per year.
| Insurance Provider | Average Annual Cost |
| American Family | $1,836 |
| Metropolitan | $1,425 |
| Farmers | $2,225 |
| Farm Bureau Mutual (IA Group) | $1,315 |
| Permanent General | $2,155 |
2017 RAM 4500 Insurance Rates
The average annual insurance cost for a 2017 RAM 4500 is $2,034. However, Mercury offers the cheapest rates, averaging $596 per year.
| Insurance Provider | Average Annual Cost |
| Allied | $5,122 |
| Virginia Farm Bureau | $820 |
| General Agents Group | $2,681 |
| Nationwide | $3,473 |
| Travelers | $627 |
| Mercury | $596 |
| Farmers | $1,405 |
| Metropolitan | $1,103 |
| Safe Auto | $2,482 |
Find Affordable RAM 4500 Insurance Rates
2016 RAM 4500 Insurance Rates
The average annual insurance cost for a 2016 RAM 4500 is $1,173. However, Travelers offers the cheapest rates, averaging $758 per year.
| Insurance Provider | Average Annual Cost |
| American Family | $1,097 |
| Metropolitan | $954 |
| Sentry | $1,606 |
| Travelers | $758 |
| Farmers | $1,448 |
2015 RAM 4500 Insurance Rates
The average annual insurance cost for a 2015 RAM 4500 is $1,111. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $474 per year.
| Insurance Provider | Average Annual Cost |
| Safe Auto | $3,082 |
| Travelers | $635 |
| Metropolitan | $531 |
| Farmers | $1,233 |
| Hastings Mutual Insurance Co | $474 |
| Auto Club Group | $1,045 |
| Mercury | $840 |
| Hanover | $1,049 |
2014 RAM 4500 Insurance Rates
The average annual insurance cost for a 2014 RAM 4500 is $1,060. However, Nationwide offers the cheapest rates, averaging $1,060 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide | $976 |
| Hanover | $1,152 |
| Travelers | $1,052 |
2013 RAM 4500 Insurance Rates
The average annual insurance cost for a 2013 RAM 4500 is $3,475. However, Metropolita noffers the cheapest rates, averaging $1,742 per year.
| Insurance Provider | Average Annual Cost |
| Metropolitan | $1,742 |
| Safe Auto | $5,208 |
Find Affordable RAM 4500 Insurance Rates
Cost of RAM 4500 Car Insurance By Age
Age plays a significant role in determining insurance rates for any vehicle. Teenagers tend to pay the highest premiums since they are statistically more likely to be involved in accidents compared to other age groups. As drivers age and gain more experience on the road, their premiums generally decrease due to being considered lower insurance risks.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $9,678 | $14,241 | $16,656 |
| 18 | $9,012 | $13,283 | $15,561 |
| 19 | $8,028 | $11,770 | $13,726 |
| 20 | $6,964 | $10,187 | $11,956 |
| 21 | $5,849 | $8,570 | $10,049 |
| 22 | $5,660 | $8,373 | $9,770 |
| 23 | $4,967 | $7,293 | $8,562 |
| 24 | $4,763 | $6,923 | $8,105 |
| 25 | $4,095 | $6,013 | $7,025 |
| 30 | $3,185 | $4,652 | $5,464 |
| 35 | $2,972 | $4,372 | $5,119 |
| 40 | $2,847 | $4,212 | $4,944 |
| 45 | $2,795 | $4,083 | $4,773 |
| 55 | $2,555 | $3,756 | $4,384 |
| 65 | $2,654 | $3,913 | $4,572 |
| 75 | $3,383 | $4,937 | $5,760 |
RAM 4500 Car Insurance Rates By State
Where you live significantly impacts how insurance companies determine rates since each state regulates its own auto insurance policies. For instance, Michigan drivers often pay higher premiums due to the state’s requirement for higher coverage levels. Additionally, local climate plays a role—areas prone to extreme weather conditions such as hurricanes, storms, or flooding may have higher insurance costs. Crime and accident statistics are also considered, with higher rates of car thefts, crashes, and vehicle fatalities leading to increased premiums. All these factors are assessed by insurance companies when calculating your specific RAM 4500 insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $3,052 | $4,432 | $5,614 |
| Alaska | $2,514 | $3,512 | $3,352 |
| Arizona | $2,800 | $4,098 | $6,062 |
| Arkansas | $3,111 | $4,923 | $5,392 |
| California | $3,462 | $6,122 | $3,454 |
| Colorado | $3,220 | $4,559 | $5,749 |
| Connecticut | $4,110 | $6,385 | $8,085 |
| Delaware | $3,433 | $4,545 | $5,849 |
| Florida | $4,079 | $5,608 | $7,344 |
| Hawaii | $1,297 | $1,782 | $1,366 |
| Idaho | $2,292 | $3,067 | $3,669 |
| Illinois | $2,390 | $3,624 | $4,170 |
| Indiana | $2,461 | $3,825 | $4,218 |
| Iowa | $1,965 | $2,694 | $3,166 |
| Kansas | $2,602 | $3,804 | $4,453 |
| Kentucky | $3,801 | $5,544 | $6,530 |
| Louisiana | $4,846 | $7,308 | $7,928 |
| Maine | $1,803 | $2,533 | $3,760 |
| Maryland | $2,957 | $4,317 | $4,804 |
| Massachusetts | $2,381 | $4,193 | $2,364 |
| Michigan | $5,731 | $8,739 | $13,812 |
| Minnesota | $2,377 | $3,165 | $4,427 |
| Mississippi | $2,843 | $4,090 | $4,106 |
| Missouri | $2,702 | $3,860 | $5,058 |
| Montana | $2,764 | $3,808 | $4,441 |
| Nebraska | $2,295 | $3,395 | $3,711 |
| Nevada | $3,783 | $5,659 | $5,949 |
| New Hampshire | $2,614 | $4,203 | $5,300 |
| New Jersey | $2,952 | $4,571 | $6,001 |
| New Mexico | $2,984 | $4,426 | $4,598 |
| New York | $2,788 | $3,495 | $5,814 |
| North Carolina | $1,741 | $2,900 | $2,072 |
| North Dakota | $2,353 | $3,543 | $4,207 |
| Ohio | $2,118 | $3,203 | $3,293 |
| Oklahoma | $3,332 | $4,770 | $5,392 |
| Oregon | $3,043 | $4,069 | $4,854 |
| Pennsylvania | $2,556 | $3,772 | $4,424 |
| Rhode Island | $4,251 | $6,238 | $7,004 |
| South Carolina | $2,869 | $4,021 | $5,522 |
| South Dakota | $2,604 | $3,762 | $4,329 |
| Tennessee | $3,095 | $4,529 | $5,978 |
| Texas | $3,093 | $4,448 | $5,535 |
| Utah | $2,607 | $3,682 | $5,087 |
| Vermont | $1,997 | $3,120 | $3,258 |
| Virginia | $1,928 | $2,905 | $2,871 |
| Washington | $2,513 | $3,410 | $4,051 |
| West Virginia | $2,488 | $3,632 | $4,544 |
| Wisconsin | $2,535 | $3,955 | $4,485 |
| Wyoming | $2,345 | $3,294 | $3,494 |
| Georgia | $3,308 | $4,921 | $4,970 |
Common RAM 4500 Insurance Discounts
Here are some common discounts you can check your eligibility for to lower your car insurance costs:
- Multi-policy Discount: Bundle your home and auto insurance policies with one provider for a reduced rate.
- Pay Annually: Save money by paying your premium all at once, rather than in monthly installments.
- Defensive Driving Discount: Completing a defensive driving course from a certified institution can make you eligible for discounted rates.
- Good Driver Discount: Maintaining a clean driving record with no accidents or violations can result in lower premiums.
- Low Mileage Discount: If you drive fewer miles annually, you may qualify for a reduced rate.
- Vehicle Safety Features Discount: Cars equipped with features like anti-lock brakes, airbags, and anti-theft devices can lower your insurance costs.
- Good Student Discount: Students with good grades may qualify for discounted premiums.
It’s a good idea to speak with your insurance agent to find out which discounts apply to you.
Compare RAM 4500 To Other RAM Models
Looking for other RAM model insurance costs?
Our Methodology
Insuranceopedia calculated average car insurance costs by analyzing thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance with coverage limits of $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, the figures provided in this guide may vary depending on your own individual profile and coverage needs.
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FAQs
Do You Need Insurance Before You Can Purchase A RAM 4500?
Yes, you must provide proof of insurance before driving your RAM 4500 off the dealership lot. The most effective approach is to purchase a policy beforehand and inform your insurance company about your upcoming vehicle purchase, rather than relying on insurance obtained through the dealership.
How Can You Get The Cheapest Insurance For Your RAM 4500?
The most effective way to find the lowest rates for your RAM 4500 is to shop around and compare quotes from various auto insurance companies. Luckily, Insuranceopedia offers a convenient way to compare quotes from multiple providers directly on their website.
