Ram 1500 insurance averages $167 monthly for full coverage and $86 for minimum coverage. Depending on your trim and model year, you'll pay anywhere from $44 to $471 monthly.
Ram 1500 Insurance Cost
Updated: May 18, 2026
Key Takeaways
GEICO offers the most affordable Ram 1500 insurance on average, though full coverage costs vary widely by model year and company at around $167 monthly. Read more.
Pickup trucks carry higher premiums due to increased repair costs and theft rates, placing the Ram 1500 at 21st out of 40 pickup trucks for affordability in the middle tier. Read more.
Your Ram 1500's model year determines the most accurate insurance rates, especially when you're adding a teen driver to your policy for precise cost estimates. Read MoneyGeek's analysis of rates by company for specific 1500 model years depending on the age of the drivers.
How Much Is Ram 1500 Insurance?
| Ram 1500 | $86 | $167 |
Monthly insurance costs for the Ram 1500 range from $78 for older model years to $324 for newer trucks. Insurers charge higher premiums for newer Ram 1500s because of their higher market values and replacement costs.
Insurance costs for a Ram 1500 depend on model year and company. Full coverage goes from $130 monthly with GEICO to $294 with AIG, while minimum coverage ranges from $60 with GEICO to $141 with UAIC.
Ram 1500 owners can save by comparing insurers since minimum coverage varies by over $81 and full coverage by over $164. Each company calculates risk differently for the Ram 1500, which affects your final quote.
| AAA | $92 | $190 |
| AIG | $118 | $294 |
| Allstate | $106 | $206 |
| Amica | $95 | $193 |
| Chubb | $117 | $229 |
| Farmers | $118 | $209 |
| Geico | $60 | $130 |
| Kemper | $93 | $189 |
| Nationwide | $98 | $168 |
| Progressive | $97 | $182 |
| State Farm | $84 | $175 |
| The Hartford | $95 | $162 |
| Travelers | $72 | $132 |
| UAIC | $141 | $176 |
Is Ram 1500 Expensive to Insure?
MoneyGeek's analysis of pickup truck insurance costs shows the Ram 1500 ranking 21st out of 40 trucks in our database for affordability. It sits between the GMC Canyon, which costs less to insure, and the Nissan Frontier, which costs more, with 20 more affordable pickup truck options available.
The Ram 1500 ranks 313th out of 827 total vehicles, putting it in the top half for affordability across all car types, though pickup trucks as a category run pricier than most. The Suzuki SX4 has the cheapest rate among pickup trucks, and the Ram 2500 carries the highest premiums in this category.
| Lincoln Mark LT | $126 | 18 |
| Ford Ranger | $126 | 19 |
| GMC Canyon | $126 | 20 |
| Ram 1500 | $127 | 21 |
| Nissan Frontier | $127 | 22 |
| Chevrolet Silverado 3500 | $130 | 23 |
| GMC Sierra 3500 | $131 | 24 |
A few factors affect what you'll pay for Ram 1500 insurance:
- Average repair or replacement costs: The Ram 1500 ranks as Ram's third most affordable model to maintain, with repair costs averaging $843 annually across the brand's six-model lineup.
- Vehicle trim, features and accessories: With horsepower ranging from 305 to 702 depending on your engine choice, higher-performance trims cost more to insure due to increased repair costs and accident risk.
- Driver profile: Most Ram 1500 drivers are around 40 years old, but the truck's performance reputation attracts risk-taking behaviors that push rates up. Read more about the costs of Ram 1500s for young drivers.
Ram 1500 Costs by Model Year and Driver Age by Insurance Company
Your Ram 1500's model year and your age both affect insurance costs. Full coverage for a 2025 Ram 1500 averages $257 monthly compared to $164 for a 2017 model. Younger drivers also pay higher premiums.
Rates vary enough among insurers that comparing quotes can reduce your monthly costs for Ram 1500 coverage. GEICO has the lowest average premiums across all model years and costs less per month than the market average.
Recent model years:
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Ram 1500
| Geico | $140 | $306 |
| National General | $240 | $491 |
| The Hartford | $244 | $416 |
| State Farm | $257 | $537 |
| Kemper | $258 | $513 |
| Travelers | $284 | $532 |
| AAA | $309 | $641 |
| Allstate | $313 | $617 |
| Progressive | $321 | $603 |
| Nationwide | $360 | $624 |
| Amica | $362 | $742 |
| UAIC | $375 | $475 |
| Farmers | $394 | $700 |
| AIG | $422 | $1,089 |
| Chubb | $443 | $885 |
2025 Ram 1500 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,071 | $942 | $833 | $720 | $636 | $540 | $491 | $438 | $400 | $353 |
| Nationwide | $1,095 | $1,001 | $922 | $783 | $661 | $429 | $397 | $371 | $350 | $313 |
| Geico | $1,120 | $818 | $687 | $499 | $430 | $347 | $320 | $264 | $250 | $227 |
| Travelers | $1,143 | $826 | $652 | $503 | $444 | $326 | $298 | $275 | $254 | $219 |
| Allstate | $1,568 | $1,229 | $992 | $734 | $657 | $513 | $465 | $439 | $414 | $366 |
| Progressive | $1,794 | $1,449 | $1,202 | $669 | $583 | $470 | $419 | $374 | $344 | $296 |
| Farmers | $2,153 | $1,591 | $1,415 | $876 | $826 | $626 | $560 | $535 | $509 | $428 |
Cost of Car Insurance for 2024 Ram 1500
| Geico | $131 | $287 |
| National General | $224 | $460 |
| The Hartford | $228 | $390 |
| State Farm | $241 | $503 |
| Kemper | $241 | $480 |
| Travelers | $266 | $498 |
| AAA | $289 | $600 |
| Allstate | $293 | $577 |
| Progressive | $300 | $564 |
| Nationwide | $337 | $584 |
| Amica | $338 | $695 |
| UAIC | $351 | $445 |
| Farmers | $369 | $655 |
| AIG | $395 | $1,019 |
| Chubb | $414 | $828 |
2024 Ram 1500 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,005 | $884 | $782 | $676 | $596 | $506 | $460 | $411 | $376 | $331 |
| Nationwide | $1,027 | $939 | $865 | $734 | $620 | $402 | $373 | $348 | $328 | $294 |
| Geico | $1,050 | $767 | $645 | $468 | $403 | $325 | $300 | $248 | $235 | $213 |
| Travelers | $1,072 | $774 | $612 | $472 | $417 | $305 | $279 | $258 | $238 | $206 |
| Allstate | $1,471 | $1,152 | $930 | $689 | $617 | $481 | $436 | $412 | $389 | $344 |
| Progressive | $1,683 | $1,359 | $1,127 | $627 | $547 | $441 | $393 | $351 | $323 | $277 |
| Farmers | $2,019 | $1,492 | $1,328 | $822 | $775 | $588 | $525 | $501 | $477 | $401 |
Cost of Car Insurance for 2023 Ram 1500
| Geico | $130 | $283 |
| National General | $222 | $454 |
| The Hartford | $226 | $385 |
| State Farm | $238 | $497 |
| Kemper | $238 | $475 |
| Travelers | $263 | $492 |
| AAA | $286 | $594 |
| Allstate | $289 | $571 |
| Progressive | $297 | $558 |
| Nationwide | $333 | $577 |
| Amica | $335 | $687 |
| UAIC | $347 | $440 |
| Farmers | $364 | $648 |
| AIG | $391 | $1,007 |
| Chubb | $410 | $818 |
2023 Ram 1500 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $774 | $681 | $602 | $520 | $459 | $390 | $354 | $316 | $289 | $255 |
| Nationwide | $791 | $723 | $666 | $565 | $477 | $310 | $287 | $268 | $253 | $226 |
| Geico | $809 | $591 | $497 | $361 | $310 | $251 | $231 | $191 | $181 | $164 |
| Travelers | $826 | $596 | $471 | $363 | $321 | $235 | $215 | $199 | $183 | $158 |
| Allstate | $1,133 | $888 | $717 | $530 | $475 | $370 | $336 | $317 | $299 | $265 |
| Progressive | $1,296 | $1,047 | $868 | $483 | $421 | $340 | $303 | $270 | $249 | $213 |
| Farmers | $1,555 | $1,149 | $1,023 | $633 | $597 | $453 | $404 | $386 | $367 | $309 |
Cost of Car Insurance for 2022 Ram 1500
| Geico | $109 | $239 |
| National General | $187 | $383 |
| The Hartford | $190 | $325 |
| State Farm | $201 | $419 |
| Kemper | $201 | $400 |
| Travelers | $221 | $415 |
| AAA | $241 | $500 |
| Allstate | $244 | $481 |
| Progressive | $250 | $470 |
| Nationwide | $281 | $486 |
| Amica | $282 | $579 |
| UAIC | $292 | $371 |
| Farmers | $307 | $546 |
| AIG | $330 | $849 |
| Chubb | $345 | $690 |
2022 Ram 1500 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $668 | $588 | $520 | $449 | $396 | $337 | $306 | $273 | $250 | $220 |
| Nationwide | $682 | $624 | $575 | $488 | $412 | $267 | $248 | $231 | $218 | $195 |
| Geico | $698 | $510 | $429 | $311 | $268 | $216 | $199 | $165 | $156 | $142 |
| Travelers | $713 | $515 | $407 | $314 | $277 | $203 | $186 | $171 | $158 | $137 |
| Allstate | $978 | $766 | $618 | $458 | $410 | $320 | $290 | $274 | $258 | $228 |
| Progressive | $1,118 | $904 | $749 | $417 | $364 | $293 | $261 | $233 | $215 | $184 |
| Farmers | $1,342 | $992 | $882 | $546 | $515 | $391 | $349 | $333 | $317 | $267 |
Cost of Car Insurance for 2021 Ram 1500
| Geico | $90 | $196 |
| National General | $154 | $315 |
| The Hartford | $157 | $267 |
| State Farm | $165 | $345 |
| Kemper | $165 | $329 |
| Travelers | $182 | $341 |
| AAA | $198 | $411 |
| Allstate | $201 | $396 |
| Progressive | $206 | $387 |
| Nationwide | $231 | $400 |
| Amica | $232 | $476 |
| UAIC | $240 | $305 |
| Farmers | $253 | $449 |
| AIG | $271 | $698 |
| Chubb | $284 | $567 |
2021 Ram 1500 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $632 | $556 | $492 | $425 | $375 | $319 | $290 | $258 | $236 | $208 |
| Nationwide | $646 | $591 | $544 | $462 | $390 | $253 | $234 | $219 | $207 | $185 |
| Geico | $661 | $483 | $406 | $295 | $253 | $205 | $189 | $156 | $148 | $134 |
| Travelers | $675 | $487 | $385 | $297 | $262 | $192 | $176 | $162 | $150 | $129 |
| Allstate | $925 | $725 | $585 | $433 | $388 | $303 | $274 | $259 | $244 | $216 |
| Progressive | $1,059 | $855 | $709 | $395 | $344 | $278 | $247 | $221 | $203 | $174 |
| Farmers | $1,271 | $939 | $835 | $517 | $487 | $370 | $330 | $315 | $300 | $252 |
Cost of Car Insurance for 2020 Ram 1500
| Geico | $73 | $160 |
| National General | $125 | $256 |
| The Hartford | $127 | $217 |
| State Farm | $134 | $280 |
| Kemper | $134 | $268 |
| Travelers | $148 | $277 |
| AAA | $161 | $335 |
| Allstate | $163 | $322 |
| Progressive | $167 | $315 |
| Nationwide | $188 | $325 |
| Amica | $189 | $387 |
| UAIC | $195 | $248 |
| Farmers | $205 | $365 |
| AIG | $220 | $568 |
| Chubb | $231 | $461 |
2020 Ram 1500 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $559 | $492 | $435 | $376 | $332 | $282 | $256 | $228 | $209 | $184 |
| Travelers | $564 | $406 | $321 | $247 | $219 | $160 | $147 | $135 | $125 | $108 |
| Nationwide | $592 | $543 | $500 | $424 | $358 | $232 | $215 | $201 | $190 | $170 |
| Geico | $617 | $451 | $379 | $275 | $237 | $191 | $176 | $146 | $138 | $125 |
| Allstate | $831 | $652 | $526 | $389 | $348 | $272 | $246 | $233 | $219 | $194 |
| Progressive | $998 | $808 | $671 | $374 | $326 | $263 | $234 | $209 | $192 | $165 |
| Farmers | $1,024 | $756 | $674 | $422 | $398 | $303 | $270 | $258 | $246 | $207 |
Cost of Car Insurance for 2019 Ram 1500
| Geico | $60 | $132 |
| National General | $103 | $212 |
| The Hartford | $105 | $179 |
| State Farm | $111 | $232 |
| Kemper | $111 | $221 |
| Travelers | $122 | $229 |
| AAA | $133 | $277 |
| Allstate | $135 | $266 |
| Progressive | $138 | $260 |
| Nationwide | $155 | $269 |
| Amica | $156 | $320 |
| UAIC | $162 | $205 |
| Farmers | $170 | $302 |
| AIG | $182 | $469 |
| Chubb | $191 | $381 |
2019 Ram 1500 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $748 | $658 | $582 | $503 | $444 | $377 | $343 | $306 | $280 | $246 |
| Geico | $812 | $593 | $498 | $362 | $312 | $252 | $232 | $192 | $182 | $165 |
| Nationwide | $848 | $776 | $715 | $606 | $512 | $332 | $308 | $287 | $271 | $243 |
| Travelers | $932 | $670 | $529 | $407 | $359 | $265 | $242 | $223 | $206 | $178 |
| Allstate | $1,055 | $827 | $667 | $492 | $440 | $344 | $312 | $295 | $278 | $246 |
| Progressive | $1,322 | $1,064 | $883 | $492 | $429 | $346 | $308 | $275 | $253 | $217 |
| Farmers | $1,647 | $1,219 | $1,083 | $660 | $621 | $467 | $419 | $399 | $381 | $320 |
Cost of Car Insurance for 2018 Ram 1500
| Geico | $61 | $133 |
| National General | $75 | $154 |
| Travelers | $85 | $157 |
| State Farm | $88 | $182 |
| Progressive | $95 | $179 |
| Kemper | $101 | $206 |
| Nationwide | $101 | $175 |
| The Hartford | $104 | $177 |
| AAA | $110 | $228 |
| Amica | $116 | $239 |
| Allstate | $122 | $235 |
| Chubb | $131 | $260 |
| AIG | $136 | $342 |
| UAIC | $139 | $174 |
| Farmers | $149 | $265 |
2018 Ram 1500 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $617 | $543 | $480 | $415 | $366 | $311 | $283 | $253 | $231 | $203 |
| Geico | $715 | $522 | $438 | $318 | $274 | $221 | $204 | $169 | $160 | $145 |
| Nationwide | $722 | $661 | $609 | $517 | $436 | $283 | $262 | $244 | $231 | $207 |
| Travelers | $789 | $569 | $449 | $346 | $305 | $226 | $207 | $191 | $176 | $153 |
| Allstate | $940 | $737 | $593 | $438 | $392 | $306 | $278 | $262 | $247 | $219 |
| Progressive | $1,294 | $1,042 | $864 | $480 | $419 | $338 | $301 | $268 | $247 | $212 |
| Farmers | $1,307 | $968 | $861 | $528 | $498 | $375 | $337 | $321 | $306 | $257 |
Cost of Car Insurance for 2017 Ram 1500
| Geico | $58 | $126 |
| National General | $72 | $148 |
| Travelers | $82 | $152 |
| State Farm | $85 | $177 |
| Progressive | $91 | $171 |
| Nationwide | $98 | $170 |
| Kemper | $99 | $201 |
| The Hartford | $102 | $173 |
| AAA | $104 | $216 |
| Amica | $112 | $229 |
| Allstate | $116 | $225 |
| Chubb | $128 | $255 |
| AIG | $132 | $333 |
| UAIC | $136 | $170 |
| Farmers | $140 | $248 |
2017 Ram 1500 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $621 | $547 | $484 | $418 | $369 | $313 | $285 | $254 | $232 | $205 |
| Nationwide | $725 | $663 | $611 | $518 | $438 | $284 | $263 | $245 | $232 | $207 |
| Geico | $735 | $536 | $450 | $327 | $281 | $227 | $209 | $173 | $164 | $149 |
| Travelers | $776 | $560 | $442 | $342 | $301 | $224 | $205 | $189 | $174 | $151 |
| Allstate | $935 | $732 | $589 | $435 | $390 | $304 | $276 | $261 | $246 | $217 |
| Farmers | $1,248 | $925 | $823 | $506 | $477 | $360 | $323 | $308 | $293 | $247 |
| Progressive | $1,389 | $1,119 | $928 | $516 | $449 | $362 | $323 | $288 | $265 | $227 |
Cost of Car Insurance for 2016 Ram 1500
| Geico | $118 | $256 |
| National General | $121 | $247 |
| State Farm | $170 | $353 |
| Kemper | $178 | $356 |
| Travelers | $180 | $331 |
| The Hartford | $184 | $313 |
| Amica | $187 | $383 |
| AAA | $188 | $389 |
| Allstate | $202 | $389 |
| Chubb | $210 | $412 |
| Progressive | $212 | $398 |
| AIG | $230 | $565 |
| Farmers | $247 | $437 |
| Nationwide | $260 | $448 |
| UAIC | $273 | $339 |
2016 Ram 1500 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $710 | $625 | $553 | $478 | $422 | $358 | $326 | $291 | $266 | $234 |
| Geico | $808 | $587 | $493 | $357 | $308 | $249 | $229 | $190 | $179 | $164 |
| Travelers | $893 | $639 | $503 | $388 | $341 | $254 | $232 | $214 | $197 | $172 |
| Nationwide | $897 | $821 | $757 | $642 | $542 | $351 | $325 | $303 | $286 | $256 |
| Allstate | $1,066 | $834 | $673 | $498 | $447 | $348 | $317 | $299 | $282 | $249 |
| Farmers | $1,368 | $1,015 | $905 | $563 | $532 | $404 | $361 | $345 | $328 | $276 |
| Progressive | $1,577 | $1,268 | $1,051 | $585 | $510 | $411 | $366 | $327 | $301 | $258 |
Ram 1500 Insurance Cost by Trim
The trim level you choose affects Ram 1500 insurance costs. Minimum coverage starts at $44 monthly for basic Regular Cab St Pickup 2D 6 1/3 Ft models, while full coverage reaches $471 for Crew Cab Trx Final Edition variants. Higher performance and vehicle values lead to more expensive premiums.
| Regular Cab St Pickup 2d 6 1/3 Ft | $44 | $86 |
| Regular Cab Tradesman Heavy Duty Pickup 2d 8 Ft | $55 | $105 |
| Crew Cab St Pickup 4d 5 1/2 Ft | $57 | $111 |
| Regular Cab St Pickup 2d 8 Ft | $60 | $116 |
| Quad Cab St Pickup 4d 6 1/3 Ft | $61 | $117 |
| Quad Cab Hfe Pickup 4d 6 1/3 Ft | $61 | $118 |
| Crew Cab Hfe Pickup 4d 5 1/2 Ft | $61 | $119 |
| Quad Cab Lone Star Pickup 4d 6 1/3 Ft | $68 | $132 |
| Quad Cab Express Hfe Pickup 4d 6 1/3 Ft | $69 | $133 |
| Regular Cab Hfe Pickup 2d 6 1/3 Ft | $69 | $133 |
| Quad Cab Slt Pickup 4d 6 1/3 Ft | $72 | $139 |
| Quad Cab Outdoorsman Pickup 4d 6 1/3 Ft | $72 | $139 |
| Quad Cab Tradesman Pickup 4d 6 1/3 Ft | $72 | $140 |
| Quad Cab Big Horn Pickup 4d 6 1/3 Ft | $73 | $141 |
| Quad Cab Express Pickup 4d 6 1/3 Ft | $74 | $142 |
| Crew Cab Tradesman Pickup 4d 5 1/2 Ft | $74 | $143 |
| Crew Cab Slt Pickup 4d 5 1/2 Ft | $74 | $144 |
| Regular Cab Tradesman Pickup 2d 6 1/3 Ft | $76 | $146 |
| Quad Cab Harvest Pickup 4d 6 1/3 Ft | $76 | $149 |
| Crew Cab Express Pickup 4d 5 1/2 Ft | $76 | $148 |
| Regular Cab Tradesman Pickup 2d 8 Ft | $77 | $149 |
| Crew Cab Tradesman Pickup 4d 6 1/3 Ft | $77 | $150 |
| Crew Cab Harvest Pickup 4d 6 1/3 Ft | $77 | $150 |
| Regular Cab Slt Pickup 2d 8 Ft | $78 | $150 |
| Crew Cab Lone Star Pickup 4d 6 1/3 Ft | $79 | $154 |
| Crew Cab Lone Star Pickup 4d 5 1/2 Ft | $79 | $154 |
| Crew Cab Big Horn Pickup 4d 5 1/2 Ft | $79 | $154 |
| Crew Cab Lone Star Silver Pickup 4d 5 1/2 Ft | $79 | $155 |
| Crew Cab Harvest Pickup 4d 5 1/2 Ft | $80 | $155 |
| Crew Cab Big Horn Pickup 4d 6 1/3 Ft | $80 | $155 |
| Regular Cab Express Pickup 2d 6 1/3 Ft | $80 | $155 |
| Quad Cab Sport Pickup 4d 6 1/3 Ft | $81 | $157 |
| Crew Cab Laramie Longhorn Ed Pickup 4d 5 1/2 Ft | $82 | $159 |
| Crew Cab Slt Pickup 4d 6 1/3 Ft | $82 | $159 |
| Crew Cab Lone Star Silver Pickup 4d 6 1/3 Ft | $82 | $161 |
| Quad Cab Night Pickup 4d 6 1/3 Ft | $83 | $161 |
| Crew Cab Laramie Longhorn Edition Pickup 4d 5 1/2 Ft | $83 | $160 |
| Regular Cab Night Pickup 2d 6 1/3 Ft | $83 | $162 |
| Quad Cab Laramie Pickup 4d 6 1/3 Ft | $83 | $161 |
| Regular Cab Slt Pickup 2d 6 1/3 Ft | $83 | $161 |
| Crew Cab Outdoorsman Pickup 4d 6 1/3 Ft | $84 | $162 |
| Quad Cab Tradesman | $85 | $165 |
| Regular Cab Outdoorsman Pickup 2d 8 Ft | $85 | $164 |
| Quad Cab Rebel Pickup 4d 6 1/3 Ft | $85 | $166 |
| Regular Cab Lone Star Pickup 2d 8 Ft | $86 | $166 |
| Regular Cab Outdoorsman Pickup 2d 6 1/3 Ft | $86 | $166 |
| Crew Cab Night Pickup 4d 6 1/3 Ft | $86 | $167 |
| Regular Cab Lone Star Pickup 2d 6 1/3 Ft | $86 | $167 |
| Quad Cab Tradesman Hfe Pickup 4d 6 1/3 Ft | $86 | $167 |
| Crew Cab Night Pickup 4d 5 1/2 Ft | $86 | $168 |
| Crew Cab Laramie Pickup 4d 5 1/2 Ft | $87 | $169 |
| Crew Cab Sport Pickup 4d 5 1/2 Ft | $87 | $168 |
| Regular Cab Big Horn Pickup 2d 8 Ft | $88 | $171 |
| Quad Cab Hfe | $89 | $173 |
| Crew Cab Outdoorsman Pickup 4d 5 1/2 Ft | $89 | $172 |
| Quad Cab Quad Cab Tradesman | $90 | $176 |
| Regular Cab Big Horn Pickup 2d 6 1/3 Ft | $91 | $176 |
| Crew Cab Laramie Pickup 4d 6 1/3 Ft | $92 | $178 |
| Crew Cab Sport Pickup 4d 6 1/3 Ft | $92 | $178 |
| Regular Cab Sport Pickup 2d 6 1/3 Ft | $94 | $181 |
| Crew Cab Tradesman | $94 | $182 |
| Quad Cab Lone Star | $96 | $187 |
| Crew Cab Laramie Longhorn Pickup 4d 5 1/2 Ft | $97 | $188 |
| Quad Cab Big Horn | $97 | $189 |
| Crew Cab Laramie Longhorn Edition Pickup 4d 6 1/3 Ft | $97 | $188 |
| Regular Cab R/T Pickup 2d 6 1/3 Ft | $98 | $189 |
| Crew Cab Laramie Longhorn Pickup 4d 6 1/3 Ft | $98 | $191 |
| Crew Cab Rebel Pickup 4d 5 1/2 Ft | $99 | $192 |
| Crew Cab Laramie Limited Edition Pickup 4d 5 1/2 Ft | $100 | $192 |
| Crew Cab Laramie Limited Pickup 4d 6 1/3 Ft | $101 | $196 |
| Crew Cab Limited Pickup 4d 5 1/2 Ft | $101 | $197 |
| Crew Cab Laramie Longhorn Limited Edition Pickup 4d 6 1/3 Ft | $102 | $197 |
| Crew Cab Lone Star | $102 | $199 |
| Crew Cab Limited Pickup 4d 6 1/3 Ft | $102 | $199 |
| Crew Cab Big Horn | $103 | $200 |
| Crew Cab Laramie Limited Pickup 4d 5 1/2 Ft | $104 | $202 |
| Crew Cab Laramie Longhorn Limited Edition Pickup 4d 5 1/2 Ft | $106 | $205 |
| Crew Cab Warlock | $119 | $232 |
| Crew Cab Laramie | $122 | $237 |
| Crew Cab Rebel | $128 | $249 |
| Ramcharger Tradesman | $131 | $255 |
| Ramcharger Big Horn | $140 | $272 |
| Crew Cab Limited Longhorn | $145 | $283 |
| Crew Cab Limited | $149 | $290 |
| Crew Cab Rho | $155 | $301 |
| Ramcharger Limited | $163 | $316 |
| Crew Cab Trx Pickup 4d 5 1/2 Ft | $171 | $334 |
| Crew Cab Tungsten | $192 | $374 |
| Ramcharger Tungsten | $205 | $400 |
| Crew Cab Trx | $213 | $415 |
| Crew Cab Trx Final Edition | $242 | $471 |
Ram 1500 Insurance Cost by State
Ram 1500 insurance costs range from $32 monthly in Wyoming to $169 in Louisiana for minimum coverage, depending on where you're located. These price differences stem from your state's risk factors and insurance regulations rather than anything about the truck itself.
| Alabama | $70 | $131 |
| Alaska | $61 | $130 |
| Arizona | $102 | $190 |
| Arkansas | $69 | $155 |
| California | $82 | $166 |
| Colorado | $84 | $200 |
| Connecticut | $119 | $204 |
| Delaware | $118 | $198 |
| Florida | $111 | $257 |
| Georgia | $129 | $214 |
| Hawaii | $45 | $101 |
| Idaho | $46 | $94 |
| Illinois | $79 | $147 |
| Indiana | $54 | $106 |
| Iowa | $46 | $112 |
| Kansas | $61 | $144 |
| Kentucky | $103 | $176 |
| Louisiana | $169 | $370 |
| Maine | $43 | $88 |
| Maryland | $131 | $221 |
| Massachusetts | $84 | $177 |
| Michigan | $122 | $234 |
| Minnesota | $65 | $134 |
| Mississippi | $72 | $143 |
| Missouri | $96 | $192 |
| Montana | $60 | $142 |
| Nebraska | $59 | $135 |
| Nevada | $155 | $281 |
| New Hampshire | $58 | $102 |
| New Jersey | $139 | $229 |
| New Mexico | $71 | $159 |
| New York | $109 | $195 |
| North Carolina | $66 | $129 |
| North Dakota | $47 | $103 |
| Ohio | $64 | $125 |
| Oklahoma | $77 | $172 |
| Oregon | $104 | $183 |
| Pennsylvania | $70 | $166 |
| Rhode Island | $106 | $188 |
| South Carolina | $89 | $165 |
| South Dakota | $43 | $130 |
| Tennessee | $68 | $136 |
| Texas | $114 | $234 |
| Utah | $94 | $160 |
| Vermont | $36 | $86 |
| Virginia | $84 | $136 |
| Washington | $80 | $149 |
| West Virginia | $72 | $146 |
| Wisconsin | $55 | $121 |
| Wyoming | $32 | $97 |
How to Lower the Cost of Ram 1500 Insurance
Lower your Ram 1500 insurance costs with these strategies:
- 1Choose the right coverage
Decide how much coverage to buy for your Ram 1500 based on how you use and own the truck. Drivers who own their vehicles outright can carry state minimum liability coverage with comprehensive and collision plus a $1,000 deductible to reduce premiums. Drivers who want more financial protection can increase liability limits to 100/300/100 and lower the deductible to $500. Lenders and leasing companies usually require 100/300/100 liability coverage, comprehensive and collision with a $500 deductible, and gap insurance.
- 2Research costs and cheap companies
Average auto insurance costs for pickup trucks give you a baseline for comparing rates. Reviewing the cheapest car insurance companies can help you find lower premiums, and knowing typical costs for Ram 1500 owners in your area makes it easier to spot savings opportunities.
- 3Look for more than just low rates
Car insurance companies are worth evaluating on more than price alone. J.D. Power satisfaction ratings, forum discussions about claims handling, Better Business Bureau records and AM Best financial stability ratings all paint a fuller picture. Low-cost insurers may offer limited coverage or slower claims support.
- 4Ask about qualifying discounts
Ram 1500 owners may qualify for car insurance discounts, including safety features, multi-vehicle, bundling, anti-theft and good driver discounts.
- 5Find alternative car insurance types
Usage-based insurance programs can help Ram 1500 owners lower their premiums. Options like Progressive Snapshot and Allstate Drivewise track driving habits and reward safe behavior with discounts. Drivers who log fewer miles each year may also save money through pay-per-mile insurance plans.
- 6Check rates every year
Compare car insurance quotes from multiple companies each year. Your insurer will not notify you when competitors lower their rates, and annual comparisons could save up to 24% on Ram 1500 insurance. Insurance prices change, so regular rate comparisons can help you keep lower premiums.
Ram 1500 Insurance Cost: Bottom Line
Ram 1500 insurance runs about average in cost, though competitive rates are available. Comparing quotes among insurers, claiming available discounts and adjusting coverage options can lower what you pay.
Ram 1500 Insurance Rates: FAQ
What is the average cost of car insurance for a Ram 1500?
Insurance for a Ram 1500 averages $1,034 annually for state minimum coverage and $2,005 for full coverage. These rates translate to roughly $86 and $167 monthly, respectively.
What company has the cheapest car insurance for a Ram 1500?
GEICO provides the most affordable auto insurance for Ram 1500 owners at $720 annually for minimum coverage. Full coverage seekers also get the best value with GEICO at $1,556 per year.
Are Ram 1500s expensive to insure?
No, Ram 1500 insurance is not expensive compared to most vehicles. Among pickup trucks, it places 21st out of 40 for affordability, while ranking 313th out of 827 total vehicles we track.
What factors affect insurance costs for Ram 1500s?
Ram 1500 insurance rates go beyond the vehicle itself. Your driving record and credit score affect premiums, along with the coverage levels you select. The truck's repair costs, safety features and theft rates also influence what insurers charge.
How can I lower Ram 1500 insurance costs?
Compare quotes from multiple insurers since Ram 1500 pricing differs between companies, and explore usage-based programs that monitor your driving habits. Claim available discounts, bundle policies with the same carrier and maintain a clean driving record to get better rates.
How We Determined Ram 1500 Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Ram 1500 insurance costs.
Who We Based These Rates On
These Ram 1500 prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!