RAM Car Insurance: How Much Is RAM Insurance? 2026
On average, it costs $209 per month to insure a RAM, which adds up to about $2,509 per year.
We’ve saved shoppers an average of $600 per year on their car insurance.
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 $2,509 per year.
How Much Does RAM Insurance Cost?
On average, insuring a RAM costs $209 per month, totaling approximately $2,509 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 $2,509 per year.
The RAM 1500 is the cheapest model to insure, at $2,299 per year. On the other hand, the RAM 4500 is the most expensive, at an average of $2,870 per year.
Use the table below to compare insurance rates for RAM models.
| RAM Model | Average Yearly Insurance Cost |
| RAM 1500 | $2,299 |
| RAM 2500 | $2,394 |
| RAM 3500 | $2,628 |
| RAM 4500 | $2,870 |
| RAM Promaster City | $2,355 |
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 $157 per month, while insuring a RAM averages $209 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 $731 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 RAM 1500 | $1,335 |
| 2023 RAM 1500 | $773 |
| 2022 RAM 1500 | $595 |
| 2021 RAM 1500 | $392 |
| 2020 RAM 1500 | $560 |
RAM 2500 Insurance Cost
The average cost of insuring a RAM 2500 across all model years, is $2,220 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 RAM 2500 | $1,605 |
| 2023 RAM 2500 | $1,573 |
| 2022 RAM 2500 | $997 |
| 2021 RAM 2500 | $908 |
| 2020 RAM 2500 | $988 |
RAM 3500 Insurance Cost
The average cost of insuring a RAM 3500 across all model years, is $2,639 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 RAM 3500 | $5,150 |
| 2023 RAM 3500 | $4,956 |
| 2022 RAM 3500 | $1,209 |
| 2021 RAM 3500 | $836 |
| 2020 RAM 3500 | $1,043 |
RAM 4500 Insurance Cost
The average cost of insuring a RAM 4500 across all model years, is $2,753 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2022 Aston Martin Rapide | $4,418 |
| 2021 Aston Martin Rapide | $4,310 |
| 2020 Aston Martin Rapide | $1,189 |
| 2019 Aston Martin Rapide | $1,801 |
| 2017 Aston Martin Rapide | $2,045 |
RAM Promaster City Insurance Cost
The average cost of insuring a RAM Promaster City across all model years, is $3,199 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2021 Aston Martin Rapide | $3,115 |
| 2020 Aston Martin Rapide | $1,743 |
| 2019 Aston Martin Rapide | $8,235 |
| 2018 Aston Martin Rapide | $1,088 |
| 2017 Aston Martin Rapide | $1,813 |
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 | $8,970 |
| 18 | $8,361 |
| 19 | $7,372 |
| 20 | $6,427 |
| 21 | $5,389 |
| 22 | $5,263 |
| 23 | $4,608 |
| 24 | $4,363 |
| 25 | $3,763 |
| 30 | $2,945 |
| 35 | $2,743 |
| 40 | $2,636 |
| 45 | $2,568 |
| 55 | $2,370 |
| 65 | $2,454 |
| 75 | $3,118 |
Average RAM Car Insurance Rates – By Company
| Insurance Provider | Average Monthly Premium |
| GEICO | $140 |
| Progressive | $143 |
| State Farm | $147 |
| Allstate | $151 |
Average RAM Car Insurance Rates – By U.S. State
| State | Average Annual Rate |
| Alabama | $2,799 |
| Alaska | $2,174 |
| Arizona | $2,587 |
| Arkansas | $2,812 |
| California | $3,227 |
| Colorado | $2,964 |
| Connecticut | $3,858 |
| Delaware | $3,183 |
| Florida | $3,748 |
| Hawaii | $1,213 |
| Idaho | $2,086 |
| Illinois | $2,231 |
| Indiana | $2,255 |
| Iowa | $1,795 |
| Kansas | $2,460 |
| Kentucky | $3,494 |
| Louisiana | $4,459 |
| Maine | $1,689 |
| Maryland | $2,695 |
| Massachusetts | $2,120 |
| Michigan | $5,384 |
| Minnesota | $2,150 |
| Mississippi | $2,649 |
| Missouri | $2,477 |
| Montana | $2,553 |
| Nebraska | $2,180 |
| Nevada | $3,592 |
| New Hampshire | $2,483 |
| New Jersey | $2,722 |
| New Mexico | $2,669 |
| New York | $2,339 |
| North Carolina | $1,566 |
| North Dakota | $2,144 |
| Ohio | $1,924 |
| Oklahoma | $3,070 |
| Oregon | $2,795 |
| Pennsylvania | $2,372 |
| Rhode Island | $3,872 |
| South Carolina | $2,658 |
| South Dakota | $2,376 |
| Tennessee | $2,816 |
| Texas | $2,806 |
| Utah | $2,378 |
| Vermont | $1,699 |
| Virginia | $1,779 |
| Washington | $2,318 |
| West Virginia | $2,363 |
| Wisconsin | $2,308 |
| Wyoming | $2,178 |
| 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.
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.
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.
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.
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.
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.
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.
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 $2,870 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 $2,299 per year.
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.