RAM 4500 Car Insurance Cost

Getting insurance for a RAM 4500 typically runs about $523 annually through State Farm. However, the actual expense varies based on factors like age and the year of the car model. Check out our provided quote tables to determine your potential cost.

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Updated: 04 April 2024
Written by
Ahmed
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If you’re thinking about buying a RAM 4500, don’t forget to factor in the cost of insurance. 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, State Farm provides the best deal, charging around $523 annually for full coverage insurance on a 2022 RAM 4500.

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.

2022 RAM 4500 Insurance Rates

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

Insurance Provider Average Annual Cost
Nationwide $718
Auto-Owners Insurance Co $1,119
Encompass $1,139
Bristol West $1,749
Mercury $2,471
Metropolitan $2,673
Direct General Insurance $3,436
Safe Auto $5,112

2020 RAM 4500 Insurance Rates

Insurance Provider Average Annual Cost
Allstate $910
Travelers $1,099
Metropolitan $1,556
Mercury $1,754
Farmers $2,015

2019 RAM 4500 Insurance Rates

Insurance Provider Average Annual Cost
Travelers $863
Farm Bureau Mutual (IA Group) $1,337
Metropolitan $1,393
Mercury $1,400
Allstate $1,637
American Family $1,811
Hanover $2,024
Hastings Mutual Insurance Co $2,062
Permanent General $2,147
National Farmers Union P $2,414

2018 RAM 4500 Insurance Rates

Insurance Provider Average Annual Cost
Virginia Farm Bureau $723
Travelers $994
Mercury $1,630
Direct General Insurance $1,769
Metropolitan $1,968
Nationwide $2,112
Allied $4,813
Safe Auto $5,668

2017 RAM 4500 Insurance Rates

Insurance Provider Average Annual Cost
Mercury $598
Virginia Farm Bureau $830
Metropolitan $968
Travelers $1,218
Unitrin $1,445
Bristol West $1,448
Farmers $1,535
Safe Auto $2,496
General Agents Group $2,658
Allied $3,087

2016 RAM 4500 Insurance Rates

Insurance Provider Average Annual Cost
Travelers $769
American Family $1,081
Metropolitan $1,321
Farmers $1,409
Mercury $1,480
Sentry $1,586
Direct General Insurance $1,745

2015 RAM 4500 Insurance Rates

Insurance Provider Average Annual Cost
Hastings Mutual Insurance Co $506
State Farm $504
Allstate $601
Metropolitan $649
Travelers $659
Nationwide $1,034
Auto Club Group $1,038
Hanover $1,060
National Farmers Union P $1,075
Mercury $1,100

2014 RAM 4500 Insurance Rates

Insurance Provider Average Annual Cost
State Farm $881
Allstate $936
Hanover $1,104
Nationwide $1,260
Travelers $1,372
Unitrin $1,756
Mercury $2,219
Permanent General $2,542
Home State Ins Group $3,001
Safe Auto $8,949

2013 RAM 4500 Insurance Rates

Insurance Provider Average Annual Cost
Mercury $475
Travelers $943
American Family $1,117
Metropolitan $1,457
Permanent General $1,574
Farmers $1,628
General Agents Group $1,714
Safe Auto $4,127

Cost of RAM 4500 Car Insurance By Age

Driver Age Good Driver Recent Accident Poor Credit
17 $7,454 $10,918 $12,792
18 $6,919 $10,176 $11,916
19 $6,117 $9,001 $10,511
20 $5,359 $7,867 $9,174
21 $4,504 $6,563 $7,697
22 $4,350 $6,428 $7,512
23 $3,826 $5,628 $6,567
24 $3,627 $5,338 $6,247
25 $3,139 $4,610 $5,398
30 $2,460 $3,586 $4,204
35 $2,298 $3,371 $3,940
40 $2,208 $3,226 $3,782
45 $2,129 $3,161 $3,671
55 $1,958 $2,881 $3,355
65 $2,032 $3,012 $3,520
75 $2,565 $3,784 $4,450

RAM 4500 Car Insurance Rates By State

State Good Driver Recent Accident Poor Credit
Alabama $2,318 $3,364 $4,303
Alaska $1,907 $2,669 $2,611
Arizona $2,167 $3,168 $4,619
Arkansas $2,381 $3,731 $4,134
California $2,656 $4,709 $2,669
Colorado $2,495 $3,483 $4,408
Connecticut $3,166 $4,909 $6,249
Delaware $2,623 $3,506 $4,488
Florida $3,105 $4,317 $5,633
Hawaii $1,006 $1,399 $1,001
Idaho $1,754 $2,328 $2,855
Illinois $1,839 $2,802 $3,179
Indiana $1,891 $2,897 $3,248
Iowa $1,485 $2,051 $2,409
Kansas $1,984 $2,898 $3,416
Kentucky $2,875 $4,230 $5,022
Louisiana $3,733 $5,624 $6,071
Maine $1,399 $1,935 $2,872
Maryland $2,263 $3,330 $3,668
Massachusetts $1,811 $3,193 $1,829
Michigan $4,393 $6,688 $10,590
Minnesota $1,792 $2,400 $3,394
Mississippi $2,195 $3,132 $3,161
Missouri $2,067 $2,964 $3,871
Montana $2,100 $2,908 $3,414
Nebraska $1,780 $2,602 $2,859
Nevada $2,937 $4,333 $4,559
New Hampshire $2,025 $3,209 $4,054
New Jersey $2,232 $3,501 $4,605
New Mexico $2,280 $3,415 $3,515
New York $2,117 $2,661 $4,454
North Carolina $1,325 $2,243 $1,606
North Dakota $1,789 $2,730 $3,240
Ohio $1,617 $2,473 $2,527
Oklahoma $2,546 $3,678 $4,121
Oregon $2,349 $3,135 $3,733
Pennsylvania $1,975 $2,863 $3,371
Rhode Island $3,285 $4,805 $5,405
South Carolina $2,242 $3,098 $4,273
South Dakota $1,994 $2,889 $3,323
Tennessee $2,326 $3,438 $4,587
Texas $2,362 $3,427 $4,227
Utah $2,005 $2,817 $3,885
Vermont $1,535 $2,367 $2,511
Virginia $1,450 $2,255 $2,173
Washington $1,913 $2,620 $3,119
West Virginia $1,927 $2,765 $3,462
Wisconsin $1,952 $3,031 $3,447
Wyoming $1,787 $2,521 $2,713
Georgia $2,554 $3,826 $3,834

FAQs

Who has the cheapest car insurance for a RAM 4500?

State Farm offers the most affordable car insurance for the 2022 RAM 4500.

Which company offers the best car insurance for a RAM 4500?

Considering their combination of low rates, comprehensive coverage, and excellent customer service, we consider State Farm to provide the best car insurance option for a RAM 4500.

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