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Jerry Data & Research
Cheapest Ram Car Insurance (Dec 2023)
Cheapest Ram Car Insurance (Dec 2023)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Ram.
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Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
How much does RAM car insurance cost?
For over a decade, RAM has been one of the leading truck manufacturers in the U.S. Specializing in light to mid-weight trucks, RAM has earned a reputation for its exceptional standards of quality, reputation, and robust performance.
RAM drivers pay an average of $1,176 per year for
auto insurance
—but every Subaru car insurance policy is unique. This number is just an estimate, there is no real ‘average’ cost of car insurance. Your price will depend entirely on your driver profile, which is why it’s so important to compare quotes. How to find the cheapest RAM car insurance cost?
We closely analyzed RAM insurance quotes from real Jerry customers to help us generate accurate, personalized quotes for you.
Jerry has helped hundreds of drivers to find cheap car insurance. Check out some of our recent quotes below!
| Date | Car | Insurance Company | Premium (monthly) | Customer Details | Insurance coverage |
|---|---|---|---|---|---|
December 10, 2023 | RAM 2500 ST | Allstate | $170 | Nathaniel, 61 Van, TX | • 100,000/300,000 Liability • Comp / Collision |
December 10, 2023 | RAM 1500 Sport | AAA | $293 | Richard, 26 | • State Minimum Liability • Comp / Collision |
December 8, 2023 | RAM 1500 ST | Nationwide | $92 | Jonathan, 37 | • 50,000/100,000 Liability • Comp / Collision |
December 6, 2023 | RAM 1500 Laramie | Gainsco | $142 | Brandon, 59 | • State Minimum Liability |
November 21, 2023 | RAM 2500 Laramie | Travelers | $115 | Agnes, 33 Genola, UT | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Dec 10, 2023The best car insurance companies for RAM drivers
No insurance company can offer the “best” or cheapest rates for every Ram driver across the board. The ideal company for you will depend on a range of factors—including your driving history, demographics, eligibility for discounts, and the particular model of your truck—so it’s important to keep these factors in mind when
shopping for car insurance
. Jerry conducted the most extensive nationwide survey on insurance shopping to pinpoint the insurance providers that Ram drivers prefer. Check out the table below to see the rankings of different insurance companies among Ram drivers.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Safeco | 4.6 | 4.4 | 4 | 4.5 |
| Travelers | 4.5 | 4.2 | 4.4 | 4.5 |
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| Allstate | 4.2 | 3.6 | 3.8 | 4.2 |
USAA | 4 | 3.5 | 4.5 | 4.2 |
State Farm | 4 | 3.4 | 3.8 | 4.2 |
Farmers | 4 | 3.4 | 4.1 | 3.9 |
Geico | 3.9 | 3.3 | 3.9 | 4 |
Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Insurance costs for popular RAM models
The type of truck you drive can have a serious impact on your Ram insurance rates. Specifically, insurance companies consider the following when calculating premiums:
- Safety features: Vehicles with built-in features like anti-theft devices, driver’s assistance tech, and high safety ratings typically incur lower insurance costs.
- Vehicle value: The more a vehicle costs, the more you can expect to pay for car insurance. High-value vehicles come with more expensive parts and specialized features that make them riskier to insure, which is why auto insurers increase their rates.
- Engine size: Ram trucks require a ton of power—but larger engines and higher top speeds are risk factors to insurance companies.
- Availability of replacement parts: For trucks with custom parts or special features, insurance premiums could be higher, as providers consider the expense of sourcing replacement parts when determining your rate.
- Cost of repairs: More expensive models with pricier parts will cost more to repair—and therefore more to insure.
Minimum coverage insurance
refers to the amount of liability insurance that’s legally required in your state. These types of policies usually offer basic protection at a lower cost. Full-coverage insurance
, on the other hand, can provide greater protection for you and your vehicle, as it includes collision coverage
and comprehensive coverage
in addition to basic liability—but it comes with a higher price tag.While knowing averages may be helpful, the best way to get an accurate idea of how much you can expect to spend on car insurance is to shop around for insurance quotes.
Jerry
makes insurance shopping simple, generating you quotes from over 50 top insurance providers in seconds. 
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Ram 1500 insurance costs
When it comes to the world of trucks, the Ram 1500 has become synonymous with powerful performance. The Ram 1500 comes available with both a crew cab and quad cab, and buyers have several trim options to choose from:
- Tradesman: Starting around $41,000, the entry-level trim offers standard remote keyless entry, a telescopic steering wheel, and trailer sway dampening. Buyers also have the choice between a standard and high-fuel efficiency (HFE) model.
- Big Horn: Starting at $47,400, the Big Horn includes more up-to-date features including fog lights, a 60/40-split folding rear seat, and built-in safety and technology packages.
- Laramie: Starting at $54,600, the Laramie includes more luxurious touches, such as a leather interior, a larger 8.4-inch infotainment display, heated seats and steering wheel, and Ram Connected services.
- Rebel: The perfect trim for weekend adventurers, the Rebel starts at $55,400 and adds rugged capabilities including all-terrain tires, tow hooks, skid plates, and more towing power—not to mention front bucket seats.
- Limited: In the Limited trim, drivers upgrade from the standard 3.6-liter V6 engine to a larger 5.7-liter V8 capable of 395 horsepower. It also adds a premium leather interior and Ram’s suite of driver’s assistance technology—along with roughly $20,000 to the original price, with a starting MSRP of $65,800.
- TRX: For serious off-road junkies, the TRX is the most well-equipped trim—although it starts at a cool $86,000. In the TRX, you’ll get 35-inch all-terrain tires and an upgraded cooling and exhaust system—along with special options like a larger gas tank, split tailgate, panoramic sunroof, and head-up display.
Here’s how much you might expect your cost to change based on the trim level of your car:
In the table below, you can compare real quotes for real Ram 1500 owners from Jerry.
| Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| RAM 1500 Sport | AAA | $293 | Isabelle, 26 | • State Minimum Liability • Comp / Collision |
| RAM 1500 Laramie | Bristol West | $280 | Ricky, 50 | • 50,000/100,000 Liability • Comp / Collision |
| RAM 1500 SLT | National General | $352 | Belle, 40 | • 100,000/300,000 Liability |
| RAM 1500 SLT | Plymouth Rock | $148 | Ricky, 57 | • State Minimum Liability • Comp / Collision |
| RAM 1500 SLT | Infinity | $209 | Nora, 27 | • State Minimum Liability • Comp / Collision |
Last Updated Dec 7, 2023Ram 2500 insurance costs
If you’re looking for functionality that doesn’t sacrifice indulgent features, the Ram 2500 is the perfect compromise. Drivers and critics alike commonly applaud its modern amenities and heavy-duty capabilities—and with so many configurations at your fingertips, this truck makes it easy to find the work-life balance you’re looking for.
- Tradesman: Starting at $51,000, the entry-level trim for the 2500 is far from incomplete. Drivers get standard 17-inch steel wheels, front bench seat, adjustable steering wheel, and Class V receiver hitch.
- Big Horn: Starting at $56,500, the Big Horn trim builds on the Tradesman’s basics with bigger 18-inch wheels, cloth upholstery, remote keyless entry, and towing perks including a trailer brake control system and check light system.
- Laramie: Starting at $64,900, the Laramie trim takes a big step up from the Big Horn, adding features like leather upholstery, a dampened tailgate, power telescoping exterior mirrors, and safety extras including Ram Connected services.
- Rebel: Starting at $70,200, the Rebel trim adds off-roading capabilities including four-wheel drive, underbody skid plates, and specialized off-road suspension tuning.
- Power Wagon: Starting at $71,300, the Power Wagon trim takes the Rebel's off-road capabilities to the next level with manual-shift four-wheel drive, powder-coated bumpers, 17-inch all-terrain tires, a disconnecting front stabilizer bar, off-road suspension tuning, locking axles, and an electric winch.
- Limited: Starting at $79,300, the Limited trim is the most luxurious, boasting amenities like top-of-the-line interior materials, a massive 12-inch infotainment display, and a wireless charging pad.
Here’s how much you might expect your cost to change based on the trim level of your car:
In the table below, you can compare real quotes for real Ram 2500 owners from Jerry.
| Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| RAM 2500 Laramie | Allstate | $142 | Lester, 51 Warden, WA | • 50,000/100,000 Liability • Comp / Collision |
| RAM 2500 Tradesman | Nationwide | $73 | Rosa, 66 Millbury, OH | • State Minimum Liability • Comp / Collision |
| RAM 2500 Laramie | Safeco | $162 | Belle, 35 | • 100,000/300,000 Liability • Comp / Collision |
| RAM 2500 ST | AAA | $209 | Richard, 26 Okemah, OK | • State Minimum Liability • Comp / Collision |
| RAM 2500 Tradesman | Mercury | $150 | Luis, 38 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Dec 11, 2023Ram 3500 insurance cost
When you need something tougher than the Ram 2500, the Ram 3500 is the place to turn.
Ready to handle any towing or hauling job you throw its way, the Ram 3500 comes equipped standard with a turbodiesel engine and a towing capacity of 7,090 pounds when properly equipped. Talk about muscle!
The Ram 3500 is available in a number of configurations and trim levels, including the following trims:
- Tradesman: Starting at $53,100, the entry-level Tradesman trim offers maximum capability at the lowest cost, with features including a locking tailgate, class V tow hitch, and 18-inch steel wheels.
- Big Horn: Starting at $58,000, the Big Horn trim (known as the Lone Star in Texas) upgrades those 18-inch wheels from steel to alloy, along with offering amenities like trailer brake control, cloth upholstery, and power-adjustable tow mirrors.
- Laramie: Starting at $66,900, the Laramie offers luxury enhancements to the 3500’s heavy-duty power, including a soft-opening tailgate, leather seats, a heated steering wheel, built-in navigation, and rear parking sensors.
- Long Horn: From its genuine wood interior trim to its remote tailgate release, the Long Horn trim delivers true upscale quality—albeit at a starting price of $87,000.
- Limited: As the top-of-the-line trim level for the 3500, the Limited offers unmatched comfort and function with features including power-adjustable pedals, blind-spot warning with trailer coverage, and exclusive leather interior seating. The Limited trim starts at $91,000.
Here’s how much you might expect your cost to change based on the trim level of your car:
In the table below, you can compare real quotes for real Ram 3500 owners from Jerry.
| Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| RAM 3500 | Safeco | $72 | Lenora, 69 Swanton, OH | • 50,000/100,000 Liability • Comp / Collision |
| RAM 3500 Laramie | Nationwide | $277 | Devin, 31 | • 100,000/300,000 Liability • Comp / Collision |
| RAM 3500 SLT | AAA | $343 | Albert, 25 Gap Mills, WV | • State Minimum Liability • Comp / Collision |
| RAM 3500 SLT | National General | $81 | Myrtie, 55 | • State Minimum Liability |
| RAM 3500 ST | Mercury | $260 | Matilda, 36 | • State Minimum Liability • Comp / Collision |
Last Updated Dec 9, 2023Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Amazing service always
Alissia
Jerry makes it all easy!
Clemente
Very pleased with your service and customer service
Don
Found the most coverage for the best price.
Marco
Is a RAM more expensive to insure?
Compared to the average cost of other cars, RAM vehicles cost 15% more to insure.
| Car Make | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
| Mini | $90 | $166 |
| Volkswagen | $93 | $176 |
| Hummer | $95 | $165 |
| Land Rover | $97 | $197 |
| RAM | $98 | $189 |
Cheapest RAMs to insure
The cheapest Ram model to insure is the 2022 Ram 2500, which costs on average $42 per month for state minimum coverage or $237 per month for full coverage.
| Car Make | Average Monthly State Minimum Insurance Cost | Average Monthly Full Coverage Insurance Cost |
|---|---|---|
$84 | $190 | |
2022 Ram -- | $42 | $237 |
2016 Ram -- | $67 | $177 |
2021 Ram -- | $82 | $202 |
2018 Ram -- | $86 | $200 |
Most expensive RAMs to insure
The most expensive Ram model to insure is 2022 Ram 1500, with an average monthly premium of $134 for state minimum coverage, or $203 for full coverage.
| Car Make | Average Monthly State Minimum Insurance Cost | Average Monthly Full Coverage Insurance Cost |
|---|---|---|
2022 Ram -- | $134 | $203 |
2016 Ram -- | $132 | $180 |
2015 Ram -- | $126 | $172 |
2015 Ram -- | $124 | $170 |
2015 Ram -- | $110 | $190 |
While averages can help give you a general idea of your personal insurance costs, it's important to keep in mind that insurance rates are impacted by numerous factors—including your driving record, age, location, and more.
The most accurate way to obtain rates tailored to your specific situation is by shopping for personalized auto insurance quotes through a comparison website or app, like Jerry.
What factors affect RAM car insurance rates?
- Vehicle cost: Premiums are typically higher for higher-value models.
- Vehicle age: Older model years generally cost less to insure than newer models.
- Cost of parts: Less common and customized models have higher replacement and repair costs, making them more expensive for insurance companies to cover.
- Your age: Drivers under 25 usually face higher insurance rates due to limited experience, while senior drivers above 70 may also encounter increased rates.
- Your driving record and claims history: Drivers with a clean record are often offered lower rates, while those with a history of accidents, tickets, and violations can expect higher premiums.
- Where you keep your car: Insurance costs can be higher for individuals who park in neighborhoods with more elevated rates of property crime, auto theft, and/or weather risk—meaning rates can vary from state to state and even city to city.
Here are a few specific factors that impact insurance rates for Ram vehicles:
- Availability: Ram vehicles are manufactured in the U.S. and common parts are widely available. This helps contribute to lower auto insurance rates for Ram drivers.
- Mileage: Many Ram drivers use their vehicles for work, traveling frequently, or for long distances. But high annual mileage can actually increase your insurance costs.
- Trim level: Thetrim levelyou choose can also have an impact on the price you pay. Base models incur less expensive insurance costs than higher trim levels.
- Safety: Newer Ram models have earned consistently high safety ratings, making them less risky to cover in the eyes of insurers.
RAM insurance cost for young drivers
Teenagers between 16 to 19 often face outsized car insurance rates compared to other age groups. This is mainly due to their limited driving experience and lack of insurance history.
Whether you are a parent considering coverage levels for your teenage driver or a teen with your own truck looking for the cheapest policy, Jerry has helped many young drivers find affordable Ram coverage.
Chris (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$372
per month
Cody (22 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$207
per month
RAM insurance cost for senior drivers
Similar to teen drivers, senior drivers are often viewed as a risky bunch to insure. That’s because senior drivers typically have a higher probability of being involved in car accidents—and accidents that involve senior drivers often lead to more severe injuries and higher medical expenses.
As a result, drivers may notice their rates start to increase once they turn 75. But don’t worry—Jerry can help you keep your coverage low-cost.
Timothy (65 years old)
$66
per month
Lenora (69 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Swanton, OH
RAM 3500$72
per month
Christine (74 years old)
Coverage250,000 per person
500,000 per accident bodily injury
Comp / Collision
$96
per month
Jayden (66 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Elizabeth, PA$155
per month
Remember though, that the cost of insurance also depends on other factors such as your driving history, where you live, and more—so shopping for personalized insurance quotes will be more informative than averages alone.
RAM insurance cost for drivers with driving violations
Besides the car you drive, your Ram insurance costs depend on your own driving history. Usually, if you have a clean driving record (that is, one without any traffic violations or insurance claims) you'll receive lower rates.
But if you've had one or more of the following violations in the past three to five years, you might end up paying even higher premiums for coverage:
- Speeding tickets
- DUIs
- At fault accidents
- Reckless driving
- Driving on a suspended license
Cheapest car insurance for RAM drivers with a speeding ticket
Speeding is one of the most common traffic infractions out there—and while one or two minor speeding tickets below 5 mph may not impact your rates, repeated offenses or more serious speeding definitely can.
According to research conduced by
Forbes
, car insurance rates can increase by over 20% following a speeding ticket. Luckily, Jerry can help Ram owners keep car insurance costs low after a speeding violation. | Speeding Type | Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
Speeding 1-5 | RAM 1500 Longhorn | Progressive | $317 | Laura, 34 | • No Coverage Liability • Comp / Collision |
| RAM 2500 SLT | Progressive | $352 | Ina, 21 | • State Minimum Liability • Comp / Collision | |
| RAM 2500 Laramie | Travelers | $115 | Benjamin, 33 Genola, UT | • 100,000/300,000 Liability • Comp / Collision | |
Speeding 6-10 | RAM 1500 Classic SLT | State Auto | $207 | Raymond, 25 | • State Minimum Liability |
Last Updated Dec 6, 2023Cheapest car insurance for RAM drivers with a DUI
If you have a
DUI conviction
on your driving record, insurance companies can hit you with substantially higher rates or even deny coverage altogether.You may need to compare rates from multiple providers to find low-cost insurance coverage after a DUI. That's where Jerry can help:
Ada (28 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Tilden, TX$196
per month
Chester (32 years old)
DUI
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$169
per month
Duane (28 years old)
DUI
Coverage30,000 per person
85,000 per accident bodily injury
Comp / Collision
$177
per month
Seth (33 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$257
per month
Cheapest car insurance for RAM drivers after an accident
Your car accident or claims history can significantly influence your Ram insurance costs. If you have recently been involved in an at-fault accident, there is a possibility that your expenses could rise.
Discover how Jerry has helped Ram drivers save money following an accident in the table below.
| Accident type | Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | RAM 1500 BIG Horn/lone Star | Progressive | $256 | Joshua, 28 | • 100,000/300,000 Liability • Comp / Collision |
At Fault With Injury | RAM 1500 Rebel | Travelers | $178 | Edgar, 31 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With Injury | RAM 1500 Classic SLT | Allstate | $252 | Dustin, 24 | • State Minimum Liability • Comp / Collision |
Not At Fault | RAM 1500 SLT | AAA | $196 | Violet, 62 | • 25,000/50,000 Liability • Comp / Collision |
At Fault With No Injury | RAM 1500 Longhorn | State Auto | $436 | Minnie, 28 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Dec 9, 2023Cheapest car insurance for RAM drivers with other driving violations on their record
Apart from speeding tickets and DUIs, there are other types of traffic violations that can cause your car insurance rates to rise. Jerry has helped Ram drivers save on their insurance despite these violations.
| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Illegal Turn | RAM 1500 Laramie | Progressive | $446 | Frances, 25 | • 50,000/100,000 Liability • Comp / Collision |
Defective Equipment | RAM 1500 BIG Horn/lone Star | Nationwide | $246 | Irene, 40 | • 100,000/300,000 Liability • Comp / Collision |
Failure to Obey Signal | RAM 1500 Laramie | AAA | $207 | Celia, 28 | • 30,000/60,000 Liability • Comp / Collision |
Careless Driving | RAM 1500 SLT | Safeco | $165 | Lloyd, 37 | • 50,000/100,000 Liability • Comp / Collision |
Driving on Sus. License | RAM 1500 Laramie | Bristol West | $159 | Lillie, 23 Plover, WI | • State Minimum Liability |
Failure to Obey Signal | RAM 1500 ST | Mercury | $245 | Viola, 38 | • State Minimum Liability |
Seat Belt | RAM Promaster 2500 2500 High | Infinity | $224 | Phillip, 28 | • 50,000/100,000 Liability |
Improper Passing | RAM 1500 ST | Mercury | $107 | Jeffery, 26 | • State Minimum Liability |
Last Updated Dec 7, 2023How can I lower the cost of my RAM car insurance?
We get it—insuring heavy-duty trucks like the ones manufactured by Ram can take a sizable chunk out of your bank account. Here are some tips to help you save money:
- Shop around: Don't settle for the first insurance policy you come across. Instead, take the time to get quotes from multiple insurance companies to find the best deal for you. Want help making the process eas? As a licensed insurance broker partnered with over 55+ leading providers, Jerry can narrow down the best quotes and coverage options for you in minutes.
- Bundle your insurance policies: Consider bundling your car insurance with yourhomeownersorrenter’s insuranceto receive a discounted rate on both policies.
- Look for discounts: Many auto insurance companies offer discounts to help lower the cost. Check if you qualify for any discounts such as good driving, good student, or low mileage discounts. Don't hesitate to ask your agent if there are any unadvertised discounts you might be eligible for.
- Adjust your coverage: If you have older or rarely driven vehicles, considerreducing the amount of coverageyou have on them. This can be particularly beneficial if the value of your car is less than ten times the premium you're currently paying.
- Raise your deductible: Increasing your deductible—which is the amount you pay out of pocket before your collision or comprehensive coverage kicks in—can lower your average monthly bill. However, make sure you can comfortably afford the higher deductible if you need to file a claim.
Remember, taking proactive steps like these can help you save on your car insurance premiums.
FAQs
Are RAM vehicles reliable?
RAM trucks are widely regarded as some of the most reliable on the road today—and in some states, the sale of RAM vehicles has recently surpassed that of other long-time frontrunners like the Ford F-150 and Chevy Silverado.
From a rating standpoint, RAM vehicles receive average to above-average reliability scores. Repair Pal ranks the Ram 1500 a solid 3.5 out of 5.0 stars for reliability, while J.D. Power gives the Ram 1500 a respectable score of 85/100 for its quality and reliability.
Is Ram expensive to insure?
It depends. The insurance costs for Ram vehicles can vary depending on several factors, including whether the vehicle is used or new. Consequently, some Ram models may be more expensive to insure compared to others. It’s important to keep in mind that personal factors such as your demographics, location, and driving history can also influence your rates for car insurance.
How much is insurance for a Dodge Ram 1500?
The cost of car insurance for a Dodge Ram 1500 can vary considerably depending on your location, along with various other factors such as your age, driving record, and even the age of your truck. To secure the coverage you need for your Dodge Ram 1500 at the best price, you’ll need to shop for quotes from multiple insurance companies.
Are Ram trucks expensive to insure?
On average, Ram trucks cost 15% more the national average to insure, with an average of $1,176 per year for minimum coverage and $2,268 per year for full coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet Our Experts
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
