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Compare quotes for Ram 1500 Longhorn car insurance cost, 2022

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
The average cost of car insurance for Ram 1500 Longhorn owners is $3,081 a year. However, exact rates vary from model to model: for instance, the 3500 Tradesman costs $221 more per year to insure than the 3500

Ram 1500 Longhorn car insurance cost

One of the primary determining factors for your Ram 1500 Longhorn insurance rate is the age of your vehicle. Here's how much it costs to insure your 1500 Longhorn by car year:
Model year
Average Cost
Annual Savings with Jerry
2021$8,040$3,233
2019$3,020$620
2018$2,160$447
2017$3,579$1,142
2016$3,440$1,035
2015$2,435$679
2014$2,531$622
2013$2,102$469
If you drive a Ram 1500 Longhorn , you can expect your insurance costs to vary depending on trim level, upgrades, and the coverage level you select. Here's how your insurance cost compares to other similar cars:

Best car insurance companies for your Ram 1500 Longhorn

If you drive a Ram, you probably put a high value on the things Ram does best: reliability, practicality, and quality that stands the test of time.
Take a look at the table below to see the options different insurance companies offer for Ram 1500 Longhorn drivers.
Insurance company
Average Cost
Annual Savings with Jerry
Clearcover$3,253$1,363
Travelers$2,287$862
Mercury$2,324$805
Safeco$3,249$782
Progressive$2,837$763
Commonwealth Insurance$2,370$740
Kemper$1,500$732
Assurance America$2,553$598
Nationwide$2,546$569
Gainsco$2,190$217

Compare car insurance quotes for Ram 1500 Longhorn

But with all the different insurance companies and coverage options out there, how do you find the right insurance? With support from Jerry’s insurance experts, switching policies is close to effortless—with no unwanted phone calls, no duplicate paperwork, and no long wait times.
See for yourself what real Jerry customers saved by shopping for Ram insurance in the app!
Quote DateZip CodeStateCityNameAgeInsurance Company
Before Jerry
After Jerry
November 24, 202283616IDEagleJeremiah S.25Progressive$3,468$2,918
November 21, 202275206TXDallasJohnny C.27Progressive$8,040$3,292
November 14, 202219136PAPhiladelphiaTodd H.36Progressive$2,484$1,910
November 11, 202276106TXFort WorthAlejandro H.55Progressive$3,540$2,896

Best car insurance companies for Ram 1500 Longhorn drivers with bad driving records

Look—Jerry knows you’re not a bad driver. In fact, our research shows that nearly 50% of U.S. drivers would rate themselves as “great,” and over half of Americans believe they’re the best driver in their immediate family.
But, well, stuff happens. And when that stuff hits the fan—whether it’s that speeding ticket you got while you were vibing to Beyonce’s new single or the DUI you picked up after that night of bad decisions in college—insurance companies are likely to raise your rates and even label you a “high-risk driver." Take a look at the table below to see how Jerry customers with previous infractions adjusted their rates
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,011$913
Speeding over 15$5,340$1,449
Defective Equipment$3,960$956
Speeding under 15$3,490$760
Failure to Obey Traffic Sign$3,281$491
Improper Passing$3,267$390

How much does Ram 1500 Longhorn insurance go up after a DUI?

If you get a DUI while driving your 1500 Longhorn, you can expect your premium to increase by an average of 22%.

How much does Ram 1500 Longhorn insurance go up after a speeding ticket?

We’ve all been there. If you get a speeding ticket in your 1500 Longhorn, your insurance premium could increase by an average of 43%

Best Car Insurance for Ram 1500 Longhorn by Age

If you’re a young driver, you might feel like you need literal superpowers to find decent car insurance at a fair price. That’s because most insurance companies label drivers under age 25 as “high-risk drivers”—regardless of their actual driving record!
The logic makes sense: because young drivers are less experienced, they tend to have statistically higher accident rates. Companies hike young drivers’ premiums to account for their perceived risk, even if their records are spotless.
If you’re under 25, you could be paying as much as $3 more every month for your insurance. Below is a comparison of average rates Jerry customers saw, broken down by age.

Best Car Insurance for Ram 1500 Longhorn by Location

Maybe you’ve got a perfect driving record and you’ve got a decent number of years behind the wheel. But your insurance premiums are still high—why?
It’s all about risk. If you live somewhere with high rates of auto theft, traffic accidents, or severe weather, the risk to your vehicle goes up. Where you see your neighborhood, your insurance company sees a higher chance of expensive claims, and they’ll factor that into your premium.
So where can Ram 1500 Longhorn drivers find the lowest rates—and where can you expect higher-than-average premiums? Take a look at the breakdown below.
Quote DateCar
Before Jerry
After Jerry
Zip codeStateNameAgeInsurance Company
November 13, 2022Chevrolet Malibu LT$175/mo.$93/mo.43613OHWayne R.37Commonwealth Insurance
November 9, 2022Kia Optima LX$150/mo.$135/mo.40229KYJulia Q.38Progressive
November 7, 2022Kia Optima SX$206/mo.$140/mo.89406NVMinerva B.28Safeco
November 15, 2022Dodge Challenger R/T Scat Pack$345/mo.$186/mo.32832FLDennis T.34Progressive
November 7, 2022Chevrolet Impala LS$375/mo.$252/mo.42261KYAlejandro B.29Bristol West

Driving a Ram 1500 Longhorn

If you own a Ram 1500 Longhorn , here’s what you need to know about your vehicle:
  • The trim level you pick at the dealership affects your insurance rate. Opting for that top-of-the-line TRD trim will cost more upfront, and it’ll add to your monthly expenses.
  • Regular maintenance will keep your [model] in peak shape and help you avoid accidents that could raise your rate. Be sure to follow the recommended maintenance schedule in your owner’s manual!
  • If you bought your Ram 1500 Longhorn new, it’s worth considering new car replacement insurance to protect your investment.
Key Takeaway: The more your Ram 1500 Longhorn is worth, the more you’ll pay to insure and drive it.

How can you save money on insurance for a Ram 1500 Longhorn?

The average annual cost to insure a model is $3,081. But who says you have to be average? Here are a few hacks to help you save money on insurance.

Compare rates

You’ve heard it before: compare, compare, compare. When it comes to finding car insurance savings, comparison shopping is the name of the game.
Here’s why it works: every insurance company uses a different algorithm to set your rate. Unless you have the ability to automatically detect the optimal algorithm for your vehicle, age, zip code, etc., the only way to find the right coverage at the best rate is to compare quotes.
Actually, there is one other way—download the Jerry app, and let Jerry handle the algorithms (and the savings!) By answering a few simple questions, you can get instant access to Jerry’s pool of over 55 top insurance companies, and you’ll see rate comparisons in as little as 45 seconds!

Drive well to save

That’s right, safe driving could literally put money back in your pocket. Not only will tickets send your rate skyrocketing, but you’ll set yourself up for discounts if you can maintain a totally clean record.
If you’re close to that perfect clean record, try out a telematics program like Jerry’s Drive Well, Earn Perks to earn instant savings for your good on-road behavior. And if you’ve already got a driving history that’s, well, less than stellar, don’t despair: Jerry can still help you find low rates and improve your driving (and it’s all on your phone!).

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