Updated: January 15, 2025
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The age of the driver has a significant impact on how much your Ram Rebel insurance costs. For a 16-year-old driver, the average annual price of a full coverage policy on a 2016 model is $6,914, but a 40-year-old driver will only pay $1,517. A 2022 model costs $7,519 per year for a 16-year-old to insure and $1,660 per year for a 40-year-old.
MoneyGeek ranked the top Ram Rebel insurance providers based on their overall pricing, service and claim fulfillment ratings.
When it comes to insuring your Ram Rebel, affordability is a crucial factor. Based on the data provided, here's a breakdown of the cheapest insurance options for both full and minimum coverage:
Full Coverage Insurance:
1. GEICO: Offers the most affordable full coverage for the Ram Rebel at an average annual premium of $1,302. With a perfect affordability rating and high customer satisfaction, GEICO is an excellent choice for cost-savvy drivers seeking reliable service.
2. State Farm: Another strong contender for full coverage, costing $1,330 per year. It matches GEICO with a high MoneyGeek score, emphasizing both affordability and quality service.
Minimum Coverage Insurance:
1. State Farm: Provides the cheapest minimum coverage insurance at approximately $510 per year. This makes State Farm the best choice for budget-conscious drivers who only need basic coverage.
2. Farmers: While on the higher end, Farmers' minimum coverage policy costs $808 annually, highlighting the importance of comparing different insurers to find the best rates.
Age Impact:
For younger drivers, such as 16-year-olds, full coverage is significantly more expensive. GEICO stands out for full coverage on a 2016 model costing $1,265, and for newer models, like a 2022 Rebel, State Farm is cheaper at $1,357. It's important to note that teenagers should consider being part of a family policy to reduce costs.
Recommendations:
When selecting insurance, consider not only the premium but also the insurer's claims handling and customer service. GEICO and State Farm are top picks for their balance of cost and service quality.
Ultimately, opting for the cheapest insurance plan involves assessing the varying offerings from insurers and ensuring they align with your coverage needs and service expectations. Always compare multiple quotes to secure the most advantageous deal for your Ram Rebel.
For insuring a Ram Rebel, the best car insurance provider, according to MoneyGeek, is GEICO. They offer an impressive MoneyGeek score of 90 out of 100 and provide affordable full coverage at an average annual premium of $1,302. GEICO stands out due to its perfect affordability rating and high customer satisfaction, ensuring that policyholders receive excellent service at a reasonable cost. This makes GEICO a strong contender for anyone looking to insure their Ram Rebel, balancing both affordability and quality service.
Age is a significant factor in determining car insurance premiums for a Ram Rebel, as it affects the perceived risk profile of the driver. Younger drivers, particularly teenagers, are generally considered higher risk by insurance companies due to their lack of driving experience and higher likelihood of being involved in accidents. Consequently, insurance rates for younger drivers are substantially higher compared to older drivers.
For a Ram Rebel, a 16-year-old would face steep annual insurance costs. For instance, insuring a 2016 model costs approximately $6,914 annually, while the cost rises to $7,519 for a 2022 model. Conversely, a 40-year-old driver would pay much less for the same full coverage policy: about $1,517 for the 2016 model and $1,660 for the 2022 model. These figures illustrate how dramatically age can influence insurance pricing.
In general, insurance rates for teenage drivers decrease significantly as they age. While a 16-year-old may pay an average of $7,176 for full coverage, this cost drops considerably in their early 20s and stabilizes as they gain experience and demonstrate responsible driving behavior. By the time drivers reach their 30s and 40s, insurance rates typically level out to more manageable figures, reflecting their lower risk profiles. For example, the same policy for a 40-year-old averages around $1,585.
To manage these high costs, it is often advisable for young drivers to be included in a family insurance policy, which can be less expensive than individual policies. As an example, State Farm offers a family policy that insures a 16-year-old driver of a 2022 Ram Rebel for $4,360 annually, whereas Allstate might charge up to $10,578 for an individual policy. Including teenagers in a family policy and shopping for the most affordable insurance provider can significantly reduce the financial burden.
According to MoneyGeek, the average cost to insure a Ram Rebel is $1,636 annually for all ages, with GEICO offering the cheapest full coverage policies starting at $1,302 per year. Insurance rates also depend on the model year, with newer models like the 2022 Ram Rebel often being more expensive to insure due to higher repair costs and less depreciation compared to older models like the 2016 version.
Factors such as location, theft rates, and vehicle specifications also impact insurance premiums, but age remains one of the most significant variables. Drivers from regions with lower insurance costs can further minimize expenses by selecting the most affordable local providers. Therefore, it's beneficial for drivers of all ages to shop around and compare insurance quotes to find the best combination of price and coverage for their needs.
Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Ram Rebel.
These rates were updated to reflect the average cost of car insurance for a Ram Rebel as of 2023.
The average cost to insure a Ram Rebel is $1,636 annually, although this might vary by insurer. GEICO offers the cheapest full coverage auto insurance for a Ram Rebel at an average of $1,302 a year, whereas Allstate has the priciest policy at $1,936 annually.
The most affordable minimum coverage insurance policy for a Ram Rebel is from State Farm, averaging $510 per year, and the most expensive policy is from Farmers at $808 annually. Shop around and compare prices to find the most affordable car insurance for your Ram Rebel.
| GEICO | $1,302 |
| State Farm | $1,330 |
| Travelers | $1,471 |
| Nationwide | $1,588 |
| Progressive | $1,633 |
| Farmers | $1,913 |
| Allstate | $1,936 |
Insurance companies look into several factors when calculating quotes for specific car models, including theft rates, horsepower and overall value. Ram Rebel insurance is less pricey than some luxury vehicles. With a manufacturer’s suggested retail price (MSRP) of $49,155 for the 2022 model year, the cost of a Ram Rebel is relatively moderate. This price translates to average insurance rates compared to other car models.
Selecting the cheapest Ram Rebel insurance plan doesn't necessarily mean you’ve made the right call. We recommend considering how each auto insurance provider handles claims and customer service. With that in mind, here are our picks for the best car insurance providers for the Ram Rebel:
GEICO received a perfect affordability rating from MoneyGeek while ranking highly in customer satisfaction. Its scores indicate that GEICO policyholders receive excellent service at a reasonable cost.
Offers the most affordable policy for your Ram Rebel
Excellent customer satisfaction rating
Offers unique coverages including Mechanical Breakdown Insurance and Classic Car Insurance
Doesn’t offer Gap Insurance or Deductible Modification
Low claims processing score
MoneyGeek determined that GEICO is the best company to insure your Ram Rebel. It is the cheapest insurer for this model and provides exceptional customer service. It also has a few uncommon coverages, including Mechanical Breakdown Insurance (MBI). MBI offers better protection than the typical dealer extended warranty and covers all your car's systems and components at a cheaper rate.
The company offers other valuable add-ons. Rental Car Reimbursement covers the expense of a rental car up to the policy’s limit if a covered accident immobilizes your vehicle for more than 24 hours. Roadside Assistance covers all jump starts, towing, lockout services, flat tire repair and other similar services to get you back on the road. Accident Forgiveness keeps your rate from rising after your first at-fault accident (not offered in CA, CT or MA).
Offers affordable coverage for your Ram Rebel
Great customer service
Poor claims processing score
No Gap Insurance or Accident Forgiveness coverage
State Farm is our runner-up selection for insuring your Ram Rebel. It offers affordable rates and provides excellent customer service. However, State Farm's weakness is that it provides limited coverage options and even excludes some essential coverages. However, the add-ons it provides can be beneficial to almost any driver.
In the event of an accident while driving a rental car, State Farm's Rental Car and Travel Reimbursement benefits will pay for damages up to the policy's limits. It will also cover up to $500 of your trip expenses, including airfare, lodging, meals and other fees, with a $500 repayment deductible. Roadside Assistance is a valuable additional insurance option covering up to an hour's cost of mechanical repairs and locksmith services in case of a car breakdown or lockout. You can also receive a towing service to the closest mechanic.
The model year of the covered vehicle may significantly impact your average auto insurance rate. A 2022 Ram Rebel costs an average of $1,660 annually to insure. This rate is more expensive than the average policy for a 2016 model, which only costs $1,517. Insurance on a newer model may be more costly due to the increased repair costs and the fact that older models depreciate with time.
| 2022 | $1,660 |
| 2021 | $1,600 |
| 2020 | $1,588 |
| 2019 | $1,578 |
| 2018 | $1,590 |
| 2017 | $1,563 |
| 2016 | $1,517 |
Depending on the model year of your Ram Rebel and the insurance provider you select, the average cost of auto insurance might vary significantly. GEICO offers the most affordable coverage for most Ram Rebel model years, with the 2016 model costing an average of $1,265 to insure. For newer models, however, State Farm is the cheapest, with the 2022 Ram Rebel costing $1,357 annually to insure.
| State Farm | $1,357 |
| GEICO | $1,359 |
| Nationwide | $1,394 |
| Travelers | $1,416 |
| Progressive | $1,843 |
| Farmers | $2,019 |
| Allstate | $2,333 |
Teenagers' auto insurance is far more expensive than insurance for drivers in their 30s and 40s. For a 16-year-old driver, full coverage insurance for a Ram Rebel costs an average of $7,176 annually, but the same policy is only $1,585 for a 40-year-old. Teen drivers' insurance rates experience a sharp decline as they age but stabilize in their early 20s.
A family policy that covers teen drivers is typically far less expensive than an individual teen policy. An average full coverage policy from State Farm for a 16-year-old driving a 2022 Ram Rebel is $4,360 a year, whereas the same Allstate policy can cost up to $10,578 annually. These expenses are astronomical compared to what consumers in their 40s pay for identical coverage. Teens should enroll in their family’s insurance plan and shop with their parents for the cheapest teenage auto insurance options.
| State Farm | $4,360 |
| Nationwide | $5,530 |
| Travelers | $5,618 |
| GEICO | $6,426 |
| Progressive | $9,871 |
| Farmers | $10,185 |
| Allstate | $10,578 |
A driver’s location likely affects their auto insurance rates more than their age and the make or model year of their car. If you're from Idaho, your auto insurance may be substantially more affordable than someone who lives in Florida. Get estimates from the cheapest providers in your area to get the best deals on car insurance for your Ram Rebel.
| Alabama | Nationwide | $709 | $59 |
| Alaska | State Farm | $699 | $58 |
| Arizona | Root Insurance Company | $682 | $57 |
| Arkansas | State Farm | $629 | $52 |
| California | AAA California | $1,001 | $83 |
| Colorado | American National P&C | $541 | $45 |
| Connecticut | GEICO | $693 | $58 |
| Delaware | State Farm | $881 | $73 |
| District of Columbia | GEICO | $662 | $55 |
| Florida | State Farm | $1,058 | $88 |
| Georgia | Country Financial | $665 | $55 |
| Hawaii | GEICO | $565 | $47 |
| Idaho | American National P&C | $299 | $25 |
| Illinois | Country Financial | $663 | $55 |
| Indiana | American Family | $555 | $46 |
| Iowa | State Farm | $509 | $42 |
| Kansas | Nationwide | $670 | $56 |
| Kentucky | Nationwide | $790 | $66 |
| Louisiana | Louisiana Farm Bureau | $1,048 | $87 |
| Maine | Concord Group | $521 | $43 |
| Maryland | Progressive | $938 | $78 |
| Massachusetts | State Farm | $483 | $40 |
| Michigan | GEICO | $898 | $75 |
| Minnesota | State Farm | $797 | $66 |
| Mississippi | Direct General Insurance | $723 | $60 |
| Missouri | Nationwide | $909 | $76 |
| Montana | Progressive | $437 | $36 |
| Nebraska | American National P&C | $405 | $34 |
| Nevada | CSAA | $940 | $78 |
| New Hampshire | State Farm | $540 | $45 |
| New Jersey | Plymouth Rock Assurance | $895 | $75 |
| New Mexico | State Farm | $644 | $54 |
| New York | Kemper | $781 | $65 |
| North Carolina | Erie | $630 | $52 |
| North Dakota | American Family | $616 | $51 |
| Ohio | Nationwide | $485 | $40 |
| Oklahoma | State Farm | $662 | $55 |
| Oregon | State Farm | $706 | $59 |
| Pennsylvania | Nationwide | $580 | $48 |
| Rhode Island | State Farm | $700 | $58 |
| South Carolina | American National P&C | $463 | $39 |
| South Dakota | Allstate | $746 | $62 |
| Tennessee | State Farm | $579 | $48 |
| Texas | State Farm | $699 | $58 |
| Utah | Nationwide | $725 | $60 |
| Vermont | State Farm | $493 | $41 |
| Virginia | American Family | $601 | $50 |
| Washington | PEMCO | $534 | $44 |
| West Virginia | Erie | $784 | $65 |
| Wisconsin | GEICO | $556 | $46 |
| Wyoming | State Farm | $745 | $62 |
Most Ram Rebel insurance shoppers focus on price and value when researching providers. To help consumers make a more educated decision, we've included some of the most often-asked questions and our responses here.
Ram Rebel auto insurance costs an average of $1,636 yearly for a full coverage policy. It's moderately priced compared to other models. The cheapest rates for Ram Rebel insurance are provided by GEICO, with a full coverage policy costing an average of $1,302 a year.
The best car insurance provider for a Ram Rebel is GEICO. It easily outperforms the competition with the most affordable pricing and high scores in customer satisfaction. Its clients receive premium service at a competitive cost.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
