RAM Car Insurance: How Much Is RAM Insurance? 2024

On average, it costs $208 per month to insure a RAM, which adds up to about $2,496 per year.

We’ve saved shoppers an average of $600 per year on their car insurance.

Explore offers from 100's of our trusted partners
Free. Secure. No Spam.
min read -
Updated: 06 December 2024
Written by Bob Phillips
On this page Open

RAM, established in 2010 as a standalone brand by Chrysler, focuses on producing durable and powerful trucks and commercial vehicles designed for work and utility. The cost to insure a RAM varies based on several factors. Your age, driving history, and where you live are key elements that affect your insurance rate. Insurance companies use these details to evaluate the risk of covering your RAM. The average cost to insure a RAM is $2,496 per year.

How Much Does RAM Insurance Cost?

On average, insuring a RAM costs $208 per month, totaling approximately $2,496 annually. However, your actual insurance cost can vary based on factors like age, location, driving record, and the specific RAM model.

Average RAM Insurance Cost By Model

A key factor in determining your car insurance rate is the model that you drive. According to our analysis, the average cost of insuring a RAM, across all models, is $2,496 per year.

The RAM 1500 is the cheapest model to insure, at $2,287 per year. On the other hand, the RAM 4500 is the most expensive, at an average of $2,855 per year.

Use the table below to compare insurance rates for RAM models.

RAM Model Average Yearly Insurance Cost
RAM 1500 $2,287
RAM 2500 $2,381
RAM 3500 $2,614
RAM 4500 $2,855
RAM Promaster City $2,342

Keep in mind that these numbers are averages, and your actual cost may differ based on where you live, your age, your driving record, and the type of coverage you select.

Are RAMs Expensive To Insure?

The national average cost of car insurance is $156 per month, while insuring a RAM averages $208 per month, making it significantly higher. However, insurance rates are typically model-specific rather than brand-wide, so it’s important to check rates for your specific RAM model.

RAM 1500 Insurance Cost

The average cost of insuring a RAM 1500 across all model years, is $727 per year. Use the table below to compare rates for different model years.

Model Year Average Yearly Premium
2024 RAM 1500 $1,328
2023 RAM 1500 $769
2022 RAM 1500 $592
2021 RAM 1500 $390
2020 RAM 1500 $557

RAM 2500 Insurance Cost

The average cost of insuring a RAM 2500 across all model years, is $2,208 per year. Use the table below to compare rates for different model years.

Model Year Average Yearly Premium
2024 RAM 2500 $1,596
2023 RAM 2500 $1,565
2022 RAM 2500 $992
2021 RAM 2500 $903
2020 RAM 2500 $983

RAM 3500 Insurance Cost

The average cost of insuring a RAM 3500 across all model years, is $2,625 per year. Use the table below to compare rates for different model years.

Model Year Average Yearly Premium
2024 RAM 3500 $5,122
2023 RAM 3500 $4,929
2022 RAM 3500 $1,203
2021 RAM 3500 $832
2020 RAM 3500 $1,037

RAM 4500 Insurance Cost

The average cost of insuring a RAM 4500 across all model years, is $2,738 per year. Use the table below to compare rates for different model years.

Model Year Average Yearly Premium
2022 Aston Martin Rapide $4,394
2021 Aston Martin Rapide $4,287
2020 Aston Martin Rapide $1,183
2019 Aston Martin Rapide $1,791
2017 Aston Martin Rapide $2,034

RAM Promaster City Insurance Cost

The average cost of insuring a RAM Promaster City across all model years, is $3,182 per year. Use the table below to compare rates for different model years.

Model Year Average Yearly Premium
2021 Aston Martin Rapide $3,098
2020 Aston Martin Rapide $1,734
2019 Aston Martin Rapide $8,191
2018 Aston Martin Rapide $1,082
2017 Aston Martin Rapide $1,803

RAM Car Insurance Cost – By Driver Age

The rates you pay to insure a RAM will differ dramatically based on driver age. Younger drivers tend to pay a lot more for car insurance because, statistically, they are much more likely to get into accidents.

As drivers get older, their insurance rates tend to drop until they turn about 60-70. Then their rates increase again.

Age Average Annual Rate
17 $8,922
18 $8,316
19 $7,333
20 $6,393
21 $5,360
22 $5,235
23 $4,583
24 $4,340
25 $3,743
30 $2,929
35 $2,728
40 $2,622
45 $2,554
55 $2,357
65 $2,441
75 $3,101

Average RAM Car Insurance Rates – By Company

Insurance Provider Average Monthly Premium
GEICO $139
Progressive $142
State Farm $146
Allstate $150

Average RAM Car Insurance Rates – By U.S. State

State Average Annual Rate
Alabama $2,799
Alaska $2,308
Arizona $2,603
Arkansas $2,849
California $3,179
Colorado $2,964
Connecticut $3,789
Delaware $3,134
Florida $3,748
Hawaii $1,223
Idaho $2,125
Illinois $2,217
Indiana $2,273
Iowa $1,795
Kansas $2,397
Kentucky $3,458
Louisiana $4,459
Maine $1,677
Maryland $2,713
Massachusetts $2,182
Michigan $5,266
Minnesota $2,174
Mississippi $2,621
Missouri $2,477
Montana $2,516
Nebraska $2,131
Nevada $3,495
New Hampshire $2,425
New Jersey $2,690
New Mexico $2,729
New York $2,543
North Carolina $1,580
North Dakota $2,144
Ohio $1,924
Oklahoma $3,070
Oregon $2,795
Pennsylvania $2,357
Rhode Island $3,911
South Carolina $2,668
South Dakota $2,392
Tennessee $2,816
Texas $2,820
Utah $2,411
Vermont $1,845
Virginia $1,753
Washington $2,305
West Virginia $2,318
Wisconsin $2,326
Wyoming $2,155
Georgia $3,041

How To Save Money On RAM Car Insurance?

Owning a RAM involves several costs, with car insurance being one of the largest. However, there are still ways to reduce your insurance expenses. Here’s how:

Maintain a Clean Driving Record

Your driving history is important for insurance companies when they set your premium. If you stay accident-free and avoid traffic tickets, it shows insurers that you’re a low-risk driver, which can help lower your insurance costs.

1

Bundle Your Policies

Many insurance companies provide discounts if you bundle different policies, such as home and auto insurance. This not only makes managing your insurance easier but also helps you save money on premiums.

2

Raise Your Deductible

Raising your deductible—the amount you pay out of pocket before your insurance starts covering costs—can reduce your premium. Just make sure you can afford the higher deductible if you need to make a claim.

3

Install Safety Features

RAM vehicles have many built-in safety features, but adding extras like anti-theft devices can help lower your insurance costs even more by reducing the risk of theft and damage.

4

Take Advantage of Discounts

Insurance companies frequently provide discounts for things like being a good student, maintaining a clean driving record, or taking a defensive driving course. Check with your insurer to see if you qualify for any of these discounts.

5

Shop Around

Insurance premiums can differ a lot from one provider to another. It’s important to compare quotes and pick the insurer that gives you the best value for your needs.

6

Consider Usage-Based Insurance

If you don’t drive your RAM very often, consider usage-based insurance. This type of policy sets your premium based on how much you drive, which could save you money if your RAM isn’t your primary vehicle.

7

Our Methodology

In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile was for a 40-year-old male driver buying full-coverage car insurance with these coverage limits: $100,000 in property damage liability, $100k in bodily injury liability and a $1,000 deductible. However, the figures in this guide may differ from your own individual results

FAQs

What Is The Most Expensive RAM Model To Insure?

At $2,855 per year, the RAM 4500 is the most expensive RAM model for car insurance.

What Is The Cheapest RAM Model To Insure?

The RAM 1500 is the cheapest model for car insurance, at $2,287 per year.

Go back to top