If you’re wondering how much it will cost to insure your Ram 1500 in 2025, you’re in the right place. Insurance rates for the Ram 1500 vary based on your location, driving record and model year.
The average annual cost to insure a 2023 Ram 1500 is $2,492. However, this rate can vary depending on the model year. For example, a 2021 1500 might cost around $2,276 annually, while a 2018 model could be more affordable at $2,102 per year.
This guide will break down the costs and provide helpful tips for getting the best insurance rates for your Ram 1500.
What is the cost to insure your Ram 1500 in 2025?
The average cost to insure a Ram 1500 is $212 per month or $2,542 annually for a full coverage policy. However, the specific rates may vary based on your age, location, coverage limit, insurance company, and driving history.
Young drivers or those with a history of accidents may see higher premiums, while older, more experienced drivers with clean records may pay less. Additionally, rates can differ based on the state and even the ZIP code where the car is garaged.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Ram 1500
Geico provides the most affordable car insurance for your Ram 1500, with an average annual rate of $2,099, or $175 per month, according to CarInsurance.com’s analysis.
The table below shows which insurance companies offer the best rates for your Ram 1500.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Geico | $2,099 | $1,050 | $175 |
| Nationwide | $2,193 | $1,096 | $183 |
| State Farm | $2,242 | $1,121 | $187 |
| Progressive | $2,319 | $1,159 | $193 |
| Farmers | $2,946 | $1,473 | $245 |
| Allstate | $3,487 | $1,744 | $291 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Ram 1500 car insurance rates by model year
Newer cars have higher insurance premiums due to higher market value and pricier repair expenses. For example, the insurance cost for a 2023 Ram 1500 will typically be more expensive than that of a 2019 model. However, older vehicles may lack advanced safety technologies, affecting insurance rates.
Below is a breakdown of the average annual insurance premiums for different model years of the Ram 1500, offering insight into how a vehicle’s age impacts its insurance rates.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,789 | $894 | $149 |
| 2015 | $1,896 | $948 | $158 |
| 2016 | $1,962 | $981 | $163 |
| 2017 | $2,014 | $1,007 | $168 |
| 2018 | $2,102 | $1,051 | $175 |
| 2019 | $2,169 | $1,084 | $181 |
| 2020 | $2,227 | $1,113 | $186 |
| 2021 | $2,276 | $1,138 | $190 |
| 2022 | $2,345 | $1,172 | $195 |
| 2023 | $2,492 | $1,246 | $208 |
Ram 1500 car insurance rates for different trims
When it comes to insuring a Ram 1500, the trim level can significantly influence the insurance rates. Different trims come with various features, safety equipment and price points, which contribute to the insurance cost.
For example, higher trims like the 1500 Limited, which come with premium features and advanced technology, tend to have higher insurance rates than the base model due to the higher replacement and repair costs.
The table below shows the average yearly insurance costs for different trims of the Ram 1500.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 1500 HFE | $2,291 | $1,146 | $191 |
| 1500 Tradesman | $2,422 | $1,211 | $202 |
| 1500 Lone Star | $2,501 | $1,250 | $208 |
| 1500 Big Horn | $2,510 | $1,255 | $209 |
| 1500 Laramie | $2,573 | $1,287 | $214 |
| 1500 Rebel | $2,631 | $1,316 | $219 |
| 1500 Limited Longhorn | $2,669 | $1,334 | $222 |
| 1500 Limited | $2,695 | $1,347 | $225 |
Ram 1500 insurance rates: State-by-state breakdown
The cost to insure a Ram 1500 can vary widely from state to state due to differences in state laws, average repair costs and car theft or accident rates.
Find the Ram 1500 car insurance rates for different states in the table below.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,503 | $1,251 | $209 |
| Alabama | $2,376 | $1,188 | $198 |
| Arkansas | $2,680 | $1,340 | $223 |
| Arizona | $2,484 | $1,242 | $207 |
| California | $3,254 | $1,627 | $271 |
| Colorado | $3,376 | $1,688 | $281 |
| Connecticut | $2,708 | $1,354 | $226 |
| Washington, D.C. | $2,991 | $1,495 | $249 |
| Delaware | $2,586 | $1,293 | $216 |
| Florida | $3,091 | $1,545 | $258 |
| Georgia | $3,413 | $1,707 | $284 |
| Hawaii | $1,602 | $801 | $134 |
| Iowa | $2,250 | $1,125 | $188 |
| Idaho | $1,646 | $823 | $137 |
| Illinois | $2,517 | $1,258 | $210 |
| Indiana | $2,259 | $1,130 | $188 |
| Kansas | $2,692 | $1,346 | $224 |
| Kentucky | $3,150 | $1,575 | $263 |
| Louisiana | $4,065 | $2,032 | $339 |
| Massachusetts | $2,275 | $1,138 | $190 |
| Maryland | $2,455 | $1,228 | $205 |
| Maine | $1,725 | $862 | $144 |
| Michigan | $3,174 | $1,587 | $265 |
| Minnesota | $2,810 | $1,405 | $234 |
| Missouri | $3,239 | $1,620 | $270 |
| Mississippi | $2,404 | $1,202 | $200 |
| Montana | $2,618 | $1,309 | $218 |
| North Carolina | $2,113 | $1,057 | $176 |
| North Dakota | $2,276 | $1,138 | $190 |
| Nebraska | $2,787 | $1,393 | $232 |
| New Hampshire | $1,811 | $906 | $151 |
| New Jersey | $2,318 | $1,159 | $193 |
| New Mexico | $2,592 | $1,296 | $216 |
| Nevada | $2,373 | $1,186 | $198 |
| New York | $1,923 | $962 | $160 |
| Ohio | $1,771 | $885 | $148 |
| Oklahoma | $2,806 | $1,403 | $234 |
| Oregon | $2,325 | $1,163 | $194 |
| Pennsylvania | $2,723 | $1,362 | $227 |
| Rhode Island | $3,158 | $1,579 | $263 |
| South Carolina | $2,434 | $1,217 | $203 |
| South Dakota | $3,140 | $1,570 | $262 |
| Tennessee | $2,509 | $1,254 | $209 |
| Texas | $3,665 | $1,833 | $305 |
| Utah | $2,103 | $1,051 | $175 |
| Virginia | $1,882 | $941 | $157 |
| Vermont | $1,715 | $858 | $143 |
| Washington | $2,078 | $1,039 | $173 |
| Wisconsin | $1,928 | $964 | $161 |
| West Virginia | $2,465 | $1,232 | $205 |
| Wyoming | $2,642 | $1,321 | $220 |
How your age impacts Ram 1500 insurance rates
Younger drivers, especially those under 25, pay higher rates due to their inexperience and higher accident risk. Insurance rates typically decrease as drivers get older and gain more experience but may rise again for senior drivers due to age-related factors.
According to the National Highway Traffic Safety Administration’s (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 died in traffic crashes in 2022.
The table below shows the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $9,311 | $4,655 | $776 |
| Adults | $2,542 | $1,271 | $212 |
The bottom line
Knowing how much it costs to insure your Ram 1500 is key to managing your expenses. Insurance costs can change depending on the car’s model year, trim, age and state of residence.
By taking proactive steps like maintaining a clean driving record, taking advantage of discounts and regularly reviewing your insurance needs, you can balance adequate coverage and affordability.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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