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 per year for a full coverage policy. However, your actual rate may differ depending on factors like your age, where you live, the level of coverage you choose, your driving history and the insurance company.
Younger drivers or those with a history of accidents may pay higher insurance rates, while older drivers with a clean driving record may pay less for the same coverage. Insurance rates can also change based on the state or even the ZIP code where you park your car.
Use the tool below to find out how much insurance might cost for your car in your area.
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.
The table below shows the average annual insurance costs for various model years of the Ram 1500, helping you understand how insurance premiums vary with the car’s age.
| 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 |
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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 instance, higher-end trims, such as the 1500 Limited, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various 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 of insuring a Ram 1500 vehicle can differ from state to state. State-specific regulations primarily influence it, the cost of vehicle repairs and car theft rates.
The table below shows the car insurance rates for the Ram 1500 by state.
| 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
Drivers under 25 often see higher insurance rates due to their inexperience and higher risk of car accidents. As individuals age and get more experience behind the wheel, their rates usually drop. However, for older drivers, insurance costs can increase again due to age-related risks.
In 2022, the National Highway Traffic Safety Administration (NHTSA) reported that 2,034 drivers aged 15 to 20 died in traffic crashes.
The table below shows the average annual insurance rates by age group.
| 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 a Ram 1500 is important for managing your budget. Insurance rates can change based on the car’s model year, trim, age and location.
To save on insurance, try keeping a clean driving record, taking advantage of discounts and reviewing your policy every renewal period. This will help you get the right coverage at an affordable price.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” September 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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