Services
Insurance
Loans
Repairs
Advice
About

Cheapest Ram Car Insurance (Apr 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Ram.
compare
Find Insurance Savings
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
compare
avatar
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
icon
Reviewed by Josh Damico, Vice President Insurance Operations
icon
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!
DateCarInsurance CompanyPremium (monthly)Customer DetailsInsurance coverage
April 14, 2024
RAM 1500 SportAAA
$293
• State Minimum Liability
• Comp / Collision
April 12, 2024
RAM 1500 STNationwide
$92
• 50,000/100,000 Liability
• Comp / Collision
March 31, 2024
RAM 1500 SLT
Clearcover
$133
• State Minimum Liability
• Comp / Collision
March 30, 2024
RAM 1500 STAllstate
$249
• 50,000/100,000 Liability
• Comp / Collision
March 26, 2024
RAM 1500 RebelState Auto
$218
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Apr 14, 2024

The 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 CompanyOverall RatingPriceClaims ExperienceCustomer 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
Highlighticon

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.
Lower my car insurance too!

Over 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:
Dairyland
Amazing service always
Alissia
Gainsco
Gainsco has given the cheapest price on vehicle insurance as well as kept their word on the quote.
Anna
Safeco
Very pleased with your service and customer service
Don
ClearCover
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 16% more to insure. 
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost
Land Rover
$97
$197
Nissan
$98
$185
RAM
$98
$189
BMW
$101
$210
Alfa Romeo
$114
$217

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 MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
$84
$190
2022 Ram 2500
$42
$237
2016 Ram 3500
$67
$177
2021 Ram 1500
$82
$202
2018 Ram 3500
$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 MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2022 Ram 1500
$134
$203
2016 Ram 2500
$132
$180
2015 Ram 1500
$126
$172
2015 Ram 2500
$124
$170
2015 Ram ProMaster
$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?

Several elements play a role in the
calculation of car insurance rates
, including:
  • 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: The
    trim level
    you 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. 

card cover
Chris (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$372
per month
card cover
Cody (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carRAM 1500 Classic SLT
$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. 

card cover
Mable (65 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$172
per month
card cover
Lenora (69 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationSwanton, OH
$72
per month
card cover
Aiden (66 years old)
coverageCoverage
State Minimum
locationMillbury, OH
$73
per month
card cover
Christine (74 years old)
coverageCoverage
250,000 per person
500,000 per accident bodily injury
Comp / Collision
$96
per month
card cover
Clearcover
Bobby (66 years old)
coverageCoverage
State Minimum
carRAM 2500 ST
$154
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 TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
RAM 1500 LonghornProgressive
$317
• No Coverage Liability
• Comp / Collision
Speeding 6-10
RAM 1500 BIG Horn/lone StarMercury
$239
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 9, 2024

Cheapest 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:

card cover
Aiden (36 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carRAM 1500 ST
$238
per month
card cover
Josephine (29 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carRAM 1500 ST
$95
per month
card cover
Chester (32 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$169
per month
card cover
Duane (28 years old)
DUI
coverageCoverage
30,000 per person
85,000 per accident bodily injury
Comp / Collision
carRAM 1500 ST
$177
per month
card cover
Winifred (28 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationTilden, TX
$184
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 typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
RAM 1500 RebelTravelers
$178
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
RAM 1500 Classic SLTNationwide
$119
• State Minimum Liability
• Comp / Collision
Not At Fault
RAM 1500 SLTAAA
$196
• 25,000/50,000 Liability
• Comp / Collision
At Fault With No Injury
RAM 1500 BIG Horn/lone StarNational General
$190
• State Minimum Liability
At Fault With No Injury
RAM 1500 LonghornState Auto
$436
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Apr 15, 2024

Cheapest 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.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
RAM 1500 LaramieProgressive
$446
• 50,000/100,000 Liability
• Comp / Collision
Defective Equipment
RAM 1500 BIG Horn/lone StarNationwide
$246
• 100,000/300,000 Liability
• Comp / Collision
Failure to Obey Signal
RAM 1500 LaramieAAA
$207
• 30,000/60,000 Liability
• Comp / Collision
Cell Phone
RAM 1500 SLTAssurance America
$263
• State Minimum Liability
• Comp / Collision
Careless Driving
RAM 1500 SLTSafeco
$165
• 50,000/100,000 Liability
• Comp / Collision
Driving on Sus. License
RAM 1500 Classic WarlockPlymouth Rock
$502
• State Minimum Liability
• Comp / Collision
Failure to Yield
RAM 1500 STInfinity
$330
• State Minimum Liability
• Comp / Collision
Seat Belt
RAM Promaster 2500 2500 HighInfinity
$224
• 50,000/100,000 Liability
Improper Passing
RAM 1500 SLTAllstate
$229
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Apr 10, 2024

How 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 your
    homeowners
    or
    renter’s insurance
    to 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, consider
    reducing the amount of coverage
    you 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

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. 
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. 
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. 
On average, Ram trucks cost 16% 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

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
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.
avatar
Lina Zhang
badge icon
Licensed Insurance Agent
badge icon
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.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
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.