When buying a new vehicle, factor in the cost of car insurance as part of your overall budget.
According to CarInsurance.com’s rate analysis, the average annual cost for Ram car insurance is $2,966 or $247 per month. Remember that your specific rates may vary depending on the Ram model you choose, the model year, your age, your driving history and the insurer.
- The annual average nationwide cost of full coverage car insurance for Ram is $2,966 per year.
- The ProMaster is the cheapest Ram model to insure.
- Advanced safety features that come standard on Ram models help lower your insurance costs.
Average cost of car insurance for a Ram, by company
Car insurance premiums can vary widely based on the make of your vehicle. Insurance companies have their own methods for calculating the risk and the probability of claim filing. They consider various factors, including your driving history, location, age and the type of vehicle you own, to determine your auto insurance rates.
Below, you’ll find Ram car insurance rates from various insurance companies.
Cost to insure a Ram, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $1,970 | $985 | $164 |
| GEICO | $2,402 | $1,201 | $200 |
| State Farm | $2,602 | $1,301 | $217 |
| Nationwide | $2,781 | $1,391 | $232 |
| Progressive | $2,873 | $1,436 | $239 |
| Farmers | $3,792 | $1,896 | $316 |
| Allstate | $4,268 | $2,134 | $356 |
| USAA | $2,190 | $1,095 | $182 |
Ram average insurance rates, by model
Ram ProMaster car insurance cost
Car insurance cost for a Ram ProMaster is $218 per month or $2,622 a year, based on CarInsurance.com’s rate analysis. Travelers offers the most affordable car insurance rates for a Ram ProMaster at an average monthly cost of $145 or $1,744 yearly.
Ram 1500 car insurance cost
On average, car insurance for a Ram 1500 costs $224 a month or $2,691 per year. Travelers has the cheapest car insurance cost for a Ram 1500 at $153 per month, equating to $1,842 annually.
Ram HD car insurance cost
The average car insurance premium is $251 per month, which adds up to $3,012 each year for a Ram HD. Travelers is the cheapest car insurance company, with a monthly rate of $166 , which translates to an annual cost of $1,994 .
Insurance rates by car model
The average cost of car insurance for a Ram, by driver age
Your age is an important rating factor in determining your Ram car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
In 2020, the Insurance Information Institute reported that young drivers represented only 5.1% of licensed drivers but were involved in 8.5% of fatal crashes. This data clearly shows that young drivers are more frequently involved in accidents, resulting in increased claims. Their tendency to engage in riskier driving behaviors compared to older drivers further contributes to the higher insurance rates.
As drivers gain more experience, car insurance costs usually decrease and remain relatively stable if the driver doesn’t have any tickets, claims or accidents on their record. However, rates tend to rise again after the age of 60. The table below shows how much it costs to insure a Ram based on the driver’s age.
Cost to insure a Ram, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Ram 1500 | $8,837 | $4,419 | $736 |
| 18 | Ram HD | $9,850 | $4,925 | $821 |
| 18 | Ram ProMaster | $8,655 | $4,328 | $721 |
Cost to insure a Ram, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Ram 1500 | $2,691 | $1,345 | $224 |
| 40 | Ram HD | $3,012 | $1,506 | $251 |
| 40 | Ram ProMaster | $2,622 | $1,311 | $218 |
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Ram car insurance rates by state
When it comes to car insurance, your location plays a significant role in determining your insurance premiums. Ram car insurance rates vary significantly from one state to another due to factors such as traffic conditions, accident rates, theft/vandalism, weather events and state-specific insurance laws. Find below Ram car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,867 | $1,433 | $239 |
| Alabama | $2,404 | $1,202 | $200 |
| Arkansas | $3,449 | $1,724 | $287 |
| Arizona | $3,151 | $1,576 | $263 |
| California | $3,786 | $1,893 | $315 |
| Colorado | $3,554 | $1,777 | $296 |
| Connecticut | $3,308 | $1,654 | $276 |
| Washington, D.C. | $3,904 | $1,952 | $325 |
| Delaware | $3,235 | $1,618 | $270 |
| Florida | $3,628 | $1,814 | $302 |
| Georgia | $3,483 | $1,742 | $290 |
| Hawaii | $1,809 | $904 | $151 |
| Iowa | $2,556 | $1,278 | $213 |
| Idaho | $1,968 | $984 | $164 |
| Illinois | $2,494 | $1,247 | $208 |
| Indiana | $2,077 | $1,038 | $173 |
| Kansas | $2,868 | $1,434 | $239 |
| Kentucky | $3,410 | $1,705 | $284 |
| Louisiana | $5,076 | $2,538 | $423 |
| Massachusetts | $2,296 | $1,148 | $191 |
| Maryland | $3,023 | $1,511 | $252 |
| Maine | $1,784 | $892 | $149 |
| Michigan | $3,607 | $1,803 | $301 |
| Minnesota | $2,687 | $1,344 | $224 |
| Missouri | $2,983 | $1,492 | $249 |
| Mississippi | $3,374 | $1,687 | $281 |
| Montana | $2,888 | $1,444 | $241 |
| North Carolina | $2,344 | $1,172 | $195 |
| North Dakota | $2,355 | $1,177 | $196 |
| Nebraska | $3,045 | $1,523 | $254 |
| New Hampshire | $1,844 | $922 | $154 |
| New Jersey | $3,457 | $1,729 | $288 |
| New Mexico | $2,852 | $1,426 | $238 |
| Nevada | $4,102 | $2,051 | $342 |
| New York | $3,099 | $1,549 | $258 |
| Ohio | $1,981 | $990 | $165 |
| Oklahoma | $3,463 | $1,732 | $289 |
| Oregon | $2,570 | $1,285 | $214 |
| Pennsylvania | $2,799 | $1,399 | $233 |
| Rhode Island | $3,043 | $1,521 | $254 |
| South Carolina | $3,558 | $1,779 | $296 |
| South Dakota | $3,149 | $1,575 | $262 |
| Tennessee | $2,617 | $1,309 | $218 |
| Texas | $3,611 | $1,805 | $301 |
| Utah | $2,360 | $1,180 | $197 |
| Virginia | $2,420 | $1,210 | $202 |
| Vermont | $1,854 | $927 | $155 |
| Washington | $2,583 | $1,292 | $215 |
| Wisconsin | $2,809 | $1,404 | $234 |
| West Virginia | $2,532 | $1,266 | $211 |
| Wyoming | $2,279 | $1,140 | $190 |
Average car insurance cost for different vehicle makes
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If you’re looking for affordable Ram car insurance, it’s wise to choose vehicles designed with families in mind, such as small SUVs. These cars typically come equipped with advanced safety features, have smaller engines and are often driven by parents with children onboard. As a result, drivers tend to be more cautious, leading to fewer accidents.
Safety features like airbags, backup cameras, automatic emergency braking and lane departure warnings play a significant role in keeping insurance premiums low. Minivans and compact to midsize SUVs continue to top the list of the most affordable cars to insure.
Pickups and commercial vans also tend to be cheaper to insure than sedans and other vehicle types. They are usually cheaper to repair because the back end of the vehicle is just an empty bed, it doesn’t have seating or other expensive electrical and safety components. Cheaper repairs result in cheaper insurance.
Cheapest Ram models to insure
Smaller, less expensive Ram models that have a low-power engine under the hood are always going to be cheaper to insure than more upscale or sporty models. Entry-level Ram base models can be very affordable to insure, but your premium will be headed up as you go up the scale when it comes to higher-level trims.
Family-friendly models equipped with various safety features can help keep your insurance premiums affordable. Advanced safety technologies like automatic emergency braking, backup cameras and blind spot detection often qualify for discounts.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren McKenzie, a senior agent with A Plus Insurance. “If you are younger and choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Ram models to insure
Luxury vehicles, sports cars, and SUVs generally rank as the most expensive types of vehicles for car insurance. Luxury vehicles and sports cars often attract higher insurance rates because they are more likely to be stolen and cost more to repair or replace. On the other hand, SUVs, especially larger ones, can lead to higher premiums due to their potential to cause more damage in an accident.
If you’re planning to reduce your insurance expenses, try to avoid these types of vehicles:
- EVs: Electric vehicles (EVs) come with large, costly batteries, which can make them more expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor this risk into your premium.
- Luxury and sports cars: Insurers view luxury and sports cars as higher risk due to their hefty price tags. With big engines and exclusive features, these vehicles are costly to repair or replace, which leads to higher insurance premiums.
- Favorites of thieves: Insurance companies diligently analyze theft data to assess risk. Owning a vehicle that ranks high on thieves’ lists can lead to increased insurance premiums. Each year, the National Insurance Crime Bureau (NICB) releases a list of the most targeted cars by thieves. By selecting a vehicle that isn’t frequently stolen, you can potentially reduce your insurance expenses.
How to save on car insurance for a Ram
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered, and you will save a lot of money on car insurance,” McKenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” McKenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Ram discounts on car insurance
You can take advantage of all the available discounts to lower your Ram car insurance costs. Insurance companies offer various discounts that can significantly reduce your premiums.
Discounts can be related to the vehicle you drive or your personal factors. Insurance companies often offer reduced premiums for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warnings and driver alertness monitors.
In addition, installing an anti-theft system or purchasing a new car might lower your premiums since some insurance companies offer new car insurance discounts. Personal factors can also lead to significant savings, such as discounts for good drivers or good students if you have a teen added to your policy.
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Honda auto insurance.
How does a car’s make affect car insurance rates?
Ram car insurance rates depend on the model you select. They offer a diverse range of vehicles and insurance costs vary with each type.
Smaller SUVs and minivans are among the least expensive vehicles to insure, while luxury models and sporty sedans come with higher insurance costs. Pickup trucks generally fall on the more affordable side of insurance rates-unless you opt for luxury trim levels.
Insurance companies accumulate excessive statistical data, revealing that family-friendly vehicles-like SUVs and minivans-are involved in fewer accidents and file fewer claims than sedans and sports cars. This is one reason why they are cheaper to insure. Additionally, luxury vehicles and sports cars are equipped with expensive materials and advanced technology, which drives up repair costs and, as a result, increases insurance premiums.
Make sure you compare car insurance quotes apples to apples for different types of vehicles. A luxury sedan typically costs more to insure than a minivan or mid-size SUV. To make an informed decision, make sure you compare quotes for the same vehicle types and coverage limits.
This same approach is essential when comparing vehicles from different brands. A luxury German sedan, like a BMW or Mercedes, typically incurs higher insurance costs compared to a minivan or compact car from a different brand. Always make sure you’re comparing similar vehicle types and trim levels when considering a new vehicle or insurance policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
Final thoughts on Ram insurance costs
Ram makes a variety of different models and the cost to insure them will vary based on a number of factors. Choosing entry-level vehicles with a low starting price, smaller engine under the hood and plenty of safety features will help keep your premium affordable while more luxury and sporty models will push up the cost of coverage.
No matter which Ram model you choose, you can save money on your insurance by regularly comparing your coverage options, inquiring about available discounts and opting for the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Ram?
Your driving history is one of the many factors affecting your Ram car insurance premiums. Maintaining a clean record typically results in lower premiums, but if you’ve had accidents, speeding infractions, or DUI convictions, you may face significantly higher rates.
Does the color of my Ram affect the insurance premium?
The color of your Ram does not impact your insurance premium. Insurers calculate rates based on factors such as the vehicle’s model, age, safety features and driving record.
How does the age of my Ram affect insurance costs?
Your Ram’s age can affect your insurance costs. Older models often benefit from lower premiums because they depreciate in value, but they lack the latest safety features and it may lead to a slight increase in rates. On the other hand, newer models tend to have higher premiums, as they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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