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The average cost of Ram car insurance is $1,911 per year. However, the exact Ram insurance cost for your vehicle will vary depending on your model, driving record, and location—and your insurance company.
As convenient as it would be, no insurance company automatically offers the lowest available rates for Ram owners.
The driver of a 1995 Dodge Ram 1500 and a clean driving record will have different car insurance coverage needs than someone driving a 2016 Ram 2500 Laramie with a few speeding tickets in tow. As they shop around for quotes, they’ll likely be presented with very different options. So, what’s the best way to find cheap car insurance for your Ram—that offers the coverage you need?
There’s an easy answer to that: by using the Jerry app. As a licensed insurance broker, Jerry makes it faster and easier than ever to find the right amount of coverage for you at the best available rate. Read on to get the rundown on what you can expect to find for Ram car insurance costs.
How much does Ram car insurance cost?
The average annual cost of car insurance coverage for a Ram vehicle is $1,911 That said, the actual cost of car insurance for your Ram will vary depending on a variety of factors, like your driving history, where you live, and what coverage level(s) you choose.
Since Ram is Chrysler’s line for trucks and other heavy-duty vehicles, you can usually expect their insurance costs to be more expensive than the average sedan. Here are some factors that could affect the cost of insuring your Ram:
Larger, heavier vehicles can cause more extensive property damage in an accident
Collisions involving trucks or other heavy-duty vehicles can result in more serious injuries
Safe vehicles are cheaper to insure—while some Rams have earned various top safety pick recognitions, others have received average-at-best safety ratings due to certain vulnerabilities
Trucks are typically sold with higher price tags and can be more expensive to repair or replace
Since there can be room for variation, the best way to get the most accurate sense of what car insurance costs might look like for you is to compare quotes from different insurance providers.
If that sounds time-consuming, it doesn’t have to be! In less than a minute, the Jerry app can help you gather customized quotes based on your needs—right at your fingertips. Not only does this make it easier to find savings on car insurance, but it also saves you a ton of time.
How much insurance do you need for a Ram?
The types of insurance coverage your Ram needs—and how much—will depend on factors like your location, your vehicle’s age, and the stipulations of your car loan.
This is a good start—but often, you need additional coverage to adequately protect your own vehicle. For example, it’s usually worth adding collision and comprehensive coverage, which will cover expenses for your Ram after a collision or other unexpected events, including hail, theft, and vandalism.
Your car loan lender will require you to purchase additional types of insurance, especially for newer vehicles. That can consist of “full coverage” car insurance—which would include the above coverages—as well as gap insurance. This would cover the difference between your car’s value and its remaining car loan balance if your car is totaled in an accident.
Curious to know what kind of savings you could see on your Ram’s insurance when you shop with Jerry? Take a look at the table below—and hear what other Jerry customers have to say about their own experiences!
Ram car insurance rates by model
The model of Ram you drive will affect the cost of your car insurance. In fact, the insurance costs from one Ram model to another can come out to a difference of thousands of dollars.
Generally, you can expect lower insurance costs for Rams with lower MSRP values and high safety ratings. Ram insurance costs typically increase for more expensive models and newer model years.
Here’s a look at several popular Ram models and how their characteristics can impact car insurance costs:
How much does Ram 1500 Tradesman insurance cost?
The Ram 1500 Tradesman is on the lower end of Ram’s car insurance costs because the Tradesman is the 1500’s base-level model, making it less expensive than Ram’s higher-end trucks.
With so many options out there for car insurance shopping, it can be hard to know where to start—but don’t just settle on the first option you find. If you’re looking for an option that helps you save both time and money, there’s one easy option: the Jerry app.
With Jerry, it only takes about a minute to answer a few quick questions, which we’ll use to show you customized, real-time quotes from some of the nation’s top insurance providers. When you find the coverage you’re looking for at the right rate, Jerry’s friendly, experienced team of agents can help you make the switch to your new policy.
“I was looking for a liability insurance plan for my truck until I can afford more coverage. Jerry made it simple to shop around for the best deal for me. Thank you!” —Jake L.
Best car insurance companies for your Ram
While many Ram drivers have found substantial savings from providers like Travelers, Safeco, and Nationwide, there’s no one-size-fits-all insurance provider for all Ram owners.
There are plenty of factors besides your vehicle’s make and model that will affect what provider is right for you—and what you could pay for an annual premium. While one provider might give more weight to your driving history or the number of safety features on your vehicle. With another, you might qualify for more discounts that bring your costs even lower.
That’s why one of the best ways to find the cheapest car insurance for your Ram is to compare different rates from multiple providers. With Jerry, it takes less than a minute to gather customized quotes based on your unique driver profile from top insurance providers, making it easier than ever to save time and money shopping for your Ram’s insurance.
See what different providers have quoted for Ram vehicles—and how much you could save by shopping for insurance with Jerry—in the table below:
One last significant factor impacting your car insurance rate is your location. A Ram driver in New Mexico will have different car insurance needs and risks than a driver in Minnesota, and that could result in a difference in car insurance costs.
Wondering how your state compares to others when it comes to average car insurance costs? Find out in the table below.