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 $2,696 or $225 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 $2,696 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 differ significantly based on the make of the vehicle. For instance, car insurance rates vary from one insurance company to another because each company uses its formula to calculate risk and estimate the likelihood of a claim being filed, considering factors such as your driving record, location, age and the type of vehicle you drive.
See how car insurance rates for Ram vehicles compare among different insurers in the table below.
Cost to insure a Ram, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Geico | $2,187 | $1,094 | $182 |
| Nationwide | $2,295 | $1,148 | $191 |
| State Farm | $2,307 | $1,153 | $192 |
| Progressive | $2,459 | $1,229 | $205 |
| Farmers | $3,115 | $1,558 | $260 |
| Allstate | $3,800 | $1,900 | $317 |
Ram average insurance rates, by model
Ram ProMaster car insurance cost
The average car insurance premium for Ram ProMaster is $201 per month, which translates to $2,414 per year. The most affordable company for a Ram ProMaster is Geico with a rate of $162 monthly or $1,942 per year.
Ram 1500 Classic car insurance cost
On average, car insurance for a Ram 1500 Classic costs $210 a month or $2,525 per year. Geico has the cheapest car insurance cost for a Ram 1500 Classic at $170 per month, equating to $2,044 annually.
Ram 1500 car insurance cost
The average car insurance premium is $212 per month, which adds up to $2,542 each year for a Ram 1500. Geico is the cheapest car insurance company, with a monthly rate of $175, which translates to an annual cost of $2,099.
Ram HD car insurance cost
Car insurance costs an average of $230 per month, which adds up to $2,759 a year for a Ram HD. Among the companies analyzed, Geico stands out as the most affordable option, at an average annual cost of $2,232 or $186 per month.
Ram 1500 TRX car insurance cost
The average monthly car insurance premium for a Ram 1500 TRX is $271, which totals $3,255 annually. Geico offers the cheapest rate at $215 per month or $2,583 annually.
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.
According to a study by the Insurance Information Institute, in 2020, young drivers represented just 5.1% of all licensed drivers but were involved in 8.5% of fatal crashes. This data highlights that young drivers are more frequently involved in accidents, leading to increased claims.
Additionally, teens tend to engage in riskier driving behavior compared to older drivers, contributing to higher insurance costs.
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 | $9,311 | $4,655 | $776 |
| 18 | Ram 1500 Classic | $9,349 | $4,674 | $779 |
| 18 | Ram 1500 TRX | $11,809 | $5,904 | $984 |
| 18 | Ram HD | $10,027 | $5,013 | $836 |
| 18 | Ram ProMaster | $8,900 | $4,450 | $742 |
Cost to insure a Ram, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Ram 1500 | $2,542 | $1,271 | $212 |
| 40 | Ram 1500 Classic | $2,525 | $1,262 | $210 |
| 40 | Ram 1500 TRX | $3,255 | $1,627 | $271 |
| 40 | Ram HD | $2,759 | $1,379 | $230 |
| 40 | Ram ProMaster | $2,414 | $1,207 | $201 |
Ram car insurance rates by state
Your location significantly impacts your Ram car insurance premiums. Insurance rates vary widely from state to state due to factors like traffic density, accident statistics, theft/vandalism, weather events and state laws. Below, you’ll find Ram car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,667 | $1,333 | $222 |
| Alabama | $2,543 | $1,271 | $212 |
| Arkansas | $2,801 | $1,400 | $233 |
| Arizona | $2,616 | $1,308 | $218 |
| California | $3,418 | $1,709 | $285 |
| Colorado | $3,653 | $1,827 | $304 |
| Connecticut | $2,793 | $1,396 | $233 |
| Washington, D.C. | $3,126 | $1,563 | $260 |
| Delaware | $2,657 | $1,329 | $221 |
| Florida | $3,199 | $1,600 | $267 |
| Georgia | $3,635 | $1,818 | $303 |
| Hawaii | $1,730 | $865 | $144 |
| Iowa | $2,371 | $1,186 | $198 |
| Idaho | $1,811 | $906 | $151 |
| Illinois | $2,719 | $1,359 | $227 |
| Indiana | $2,421 | $1,211 | $202 |
| Kansas | $2,807 | $1,403 | $234 |
| Kentucky | $3,251 | $1,626 | $271 |
| Louisiana | $4,196 | $2,098 | $350 |
| Massachusetts | $2,384 | $1,192 | $199 |
| Maryland | $2,552 | $1,276 | $213 |
| Maine | $1,860 | $930 | $155 |
| Michigan | $3,256 | $1,628 | $271 |
| Minnesota | $3,006 | $1,503 | $251 |
| Missouri | $3,521 | $1,760 | $293 |
| Mississippi | $2,502 | $1,251 | $209 |
| Montana | $2,776 | $1,388 | $231 |
| North Carolina | $2,242 | $1,121 | $187 |
| North Dakota | $2,456 | $1,228 | $205 |
| Nebraska | $3,034 | $1,517 | $253 |
| New Hampshire | $1,876 | $938 | $156 |
| New Jersey | $2,426 | $1,213 | $202 |
| New Mexico | $2,790 | $1,395 | $232 |
| Nevada | $2,465 | $1,233 | $205 |
| New York | $2,001 | $1,001 | $167 |
| Ohio | $1,916 | $958 | $160 |
| Oklahoma | $3,072 | $1,536 | $256 |
| Oregon | $2,490 | $1,245 | $207 |
| Pennsylvania | $2,806 | $1,403 | $234 |
| Rhode Island | $3,282 | $1,641 | $273 |
| South Carolina | $2,527 | $1,264 | $211 |
| South Dakota | $3,482 | $1,741 | $290 |
| Tennessee | $2,563 | $1,281 | $214 |
| Texas | $4,071 | $2,035 | $339 |
| Utah | $2,277 | $1,139 | $190 |
| Virginia | $1,972 | $986 | $164 |
| Vermont | $1,823 | $911 | $152 |
| Washington | $2,367 | $1,184 | $197 |
| Wisconsin | $2,020 | $1,010 | $168 |
| West Virginia | $2,663 | $1,332 | $222 |
| Wyoming | $2,945 | $1,472 | $245 |
Average car insurance cost for different vehicle makes
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To find affordable Ram car insurance rates, you should opt for a family-friendly vehicle like a small SUV. These models usually include advanced safety features, have smaller engines and are driven by people with children in the car. This makes them more cautious drivers, leading to fewer accidents.
Safety features such as airbags, backup cameras, automatic emergency braking and lane departure warnings help to get affordable car insurance premiums. As in years past, minivans and small to midsize SUVs continue to rank among the most affordable vehicles to insure.
Pickups and commercial vans often come with lower insurance rates than sedans and other types of vehicles. This is partly because they are cheaper to repair and don’t have any expensive electric and safety components, leading to cheaper insurance rates.
Cheapest Ram models to insure
Smaller, budget-friendly Ram models with low-power engines are more affordable to insure than upscale or sporty versions. Entry-level base models have lower car insurance rates, but premiums increase as you move up to higher-level trims.
Models that are popular with families and are loaded with safety features will help keep your premium affordable. Advanced safety features such as automatic emergency braking, a backup camera and blind spot detection can result in a discount on your premium.
“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 are hoping to keep your insurance bill low, avoid these types of vehicles:
- EVs: EVs have large, very expensive batteries under the hood which makes them expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor that risk into your rate.
- Luxury and sports cars: A big engine is always a red flag for insurers as is a sky-high sticker price. Luxury and sports cars come with a big sticker price, are fast, and filled with exotic trims and technology, all of which make them very costly to repair or replace if you file a claim which is why they are super expensive to insure.
- Favorites of thieves: Insurers keep a close eye on statistics, and if your vehicle is a favorite with car thieves, you will pay more for coverage. The National Insurance Crime Bureau (NICB) releases a list every year of hot cars with thieves so avoid those vehicles to keep your premium low.
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.
You might be eligible for discounts related to your vehicle or personal factors. Insurance companies typically reduce rates for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warning systems 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 generally have the lowest insurance costs, while luxury models and sporty sedans are more expensive to insure. Pickup trucks are often cheaper on the insurance spectrum-unless you go for luxury trims.
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.
You can reduce your insurance costs by regularly comparing coverage options, inquiring about available discounts and choosing the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Ram?
Yes, your driving record has a significant impact on your Ram’s insurance premium. A clean driving history typically leads to lower rates, while accidents, speeding tickets, or DUI offenses can substantially increase your premium.
Does the color of my Ram affect the insurance premium?
No, the color of your Ram does not affect your insurance premium. Insurance companies base their rates on factors like the model, age, safety features, and driving history, but not the color of your vehicle.
How does the age of my Ram affect insurance costs?
The age of your Ram can influence your insurance costs. Older Ram models tend to have lower premiums due to depreciation, but they may lack the latest safety features, which can slightly increase the rates. Conversely, newer models often have higher premiums because they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed July 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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