Best Car Insurance for Ram 2022

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Car Insurance for Ram

On average, Ram drivers pay $1,900 each year for car insurance. But depending on the model you have, your insurance rates could vary. A 3500 Longhorn costs $2,097 less more per year to insure than a Promaster City Slt.
Ram is Chrysler’s line of trucks and heavy-duty vehicles. In recent years, Rams have been recognized for their superior performance and comfort compared to competitor vehicles, though they often come with a slightly higher price tag.
If you’re looking for a truck that your family won’t mind riding in without sacrificing towing capabilities, a new Ram might be just the truck for you.
Of course, any car that works as hard as your Ram deserves a robust car insurance policy.
Luckily for you, finding the best car insurance deals has never been easier, thanks to Jerry. Jerry works with over 50 top carriers to find you the most competitive quotes on the market—and you can even switch policies without exiting the app!
Here are some real quotes from Jerry customers who saved money when insuring their Ram.
Quote DateCarLocationZip CodeNameAgeCarrier
Before Jerry
After Jerry
April 4, 2022Ram 1500 Big Horn/Lone StarRocky-Point, NC28457Jay M.28National General$175/mo.$88/mo.
April 6, 2022Ram 1500 Big Horn/Lone StarLake-Charles, LA70605Cornelia W.54National General$287/mo.$126/mo.
March 29, 2022Ram 1500 STMebane, NC27302Ronnie R.22National General$216/mo.$126/mo.
April 8, 2022Ram 1500 Big Horn/Lone StarPort-Saint-Lucie, FL34953Lucy H.52Mercury$183/mo.$131/mo.
April 3, 2022Ram 1500 TrxCleveland, OH44108Lester W.25Commonwealth Insurance$210/mo.$177/mo.
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Insurance for Ram models

Within the Ram brand, two initial factors that will determine your insurance price range are age and model.

Insurance for Ram based on the year of the car

Everyone loves the feeling of taking a brand-new car on its first ride—but don’t forget, the newer your car is, the more you’ll have to pay to keep it fully protected.
According to Edmunds, a new car loses 23.5% of its value in the first year of ownership. That percentage rises to 60 once the car reaches five years old.
Additionally, it’s more common for new cars to be leased or financed, and in these situations, you’ll be required to purchase full-coverage insurance. This is much pricier than paying for the state minimum requirements alone.
According to Jerry’s internal data, the cheapest years for Rams are 2020 and 2013.
The most expensive years for Rams are 2021 and 2014.
Year
Average Cost
Annual Savings with Jerry
2022$2,853$789Compare Prices
2021$3,196$865Compare Prices
2020$2,668$762Compare Prices
2019$3,180$922Compare Prices
2018$3,247$1,028Compare Prices
2017$3,350$1,126Compare Prices
2016$3,142$1,008Compare Prices
2015$3,124$914Compare Prices
2014$3,560$1,249Compare Prices
2013$2,999$995Compare Prices
Key Takeaway Older Rams typically cost less to repair or replace than newer ones and may not be leased or financed, so they tend to have lower insurance premiums.
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Insurance for different models of Ram

After you’ve considered the age of your Ram, it’s time to consider your model. Normally, within a given brand, safer and cheaper models cost less to insure than expensive ones—and sedans and crossovers are cheaper to insure than large SUVs.
Most Ram models are trucks, but even then, they’re not all created equal.
The baseline Ram 3500 costs less than the Ram average to insure despite its larger size.
The Ram Promaster City passenger van, on the other hand, costs much more than the Ram average to insure.
If you want to learn more about car insurance costs for some of the most popular Ram models, check out the links below.
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more insurance usually costs.
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Full coverage vs. minimum coverage for your Ram

Before you decide on the exact coverages you want, you’ll need to check your state’s laws: almost every state mandates that all drivers carry minimum amounts of liability insurance.
Typical state requirements include the following basic coverages:
Coverage typeProtection offered
Bodily injury liability (per person and accident)Pays for the costs associated with the injuries you’ve caused to others
Property damage liability (per accident)Pays for the costs associated with the damage you cause to other people’s vehicles or property
Some states also require uninsured or underinsured motorist protection to cover damages if you’re in an accident with an uninsured or underinsured driver. Your state may also require personal injury protection (PIP) to pay for your medical expenses—especially if you live in a no-fault state.
If you can afford it, every driver should consider purchasing additional coverage beyond what your state requires. Liability insurance won’t cover repair costs for your Ram if you cause an accident.
Full-coverage insurance is a great place to start. Full coverage usually includes:
Coverage typeProtection offered
Collision coverageCovers the costs associated with collisions with another vehicle or object
Comprehensive coverageCovers costs of damages from an event other than a collision, like a weather event, theft, or vandalism
The average annual insurance premium for a Ram is $1,712 per year for minimum car insurance and $2,180 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,627 per year for minimum car insurance and $2,297 for full-coverage insurance.
Here’s what it costs to insure a Ram with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Ram$2,694$1,837$2,399$1,144$2,785$1,911
Ram
All Coverage Before Jerry
$2,694
All Coverage After Jerry
$1,837
Minimum Coverage Before Jerry
$2,399
Minimum Coverage After Jerry
$1,144
Full Coverage Before Jerry
$2,785
Full Coverage After Jerry
$1,911
If your brand of choice is a luxury brand, you can expect to pay more for your insurance than if you had chosen an economy car. Compared to other truck makers, Rams cost more to insure than GMCs and Fords. If you’re comparing the prices of insurance for similar cars, here are the insurance costs for other brands:
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What impacts your insurance costs for Ram

Once you’ve taken a look at your car’s age, make, and model, there are a few more factors to take into account when you’re analyzing your insurance rates.

Your Ram’s trim level

As mentioned above, some Ram models will cost more than others. For instance, a Ram 2500 Big Horn will cost more than the smaller 1500 Big Horn.
The higher your car’s trim level, the more expensive it is due to boosted performance and additional special features. This is why a baseline 3500 costs less than an enhanced 3500 Laramie.
If you’re adding expensive features like an expensive sound system, you might want to consider specialized coverage options like sound system coverage.

Your insurance company

It may seem easiest to stick with your current provider, even if you’re switching to a new type of car. However, the best way to ensure you get the best rates for the coverage your Ram needs is to shop around for quotes. Each provider uses a different formula to calculate rates, and some providers charge cheaper rates for the same exact car than others. This is where Jerry comes in. Jerry is a car insurance super app that provides you with dozens of competitive quotes after a quick 45-second sign-up. Once you choose a policy you like, the savings don’t stop there. Jerry continuously keeps up with the insurance market and sends you new quotes every six months, so you’ll always have access to the newest and best deals. Here’s what Ram drivers paid for car insurance before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Dairyland$3,872$1,341Compare Prices
National General$3,387$1,171Compare Prices
Kemper$3,306$1,008Compare Prices
Allstate$3,355$995Compare Prices
Progressive$3,132$950Compare Prices
Travelers$2,586$841Compare Prices
Nationwide$2,656$783Compare Prices
Safeco$3,045$764Compare Prices
State Auto$2,473$732Compare Prices
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Your age

Your age is one of the primary factors insurers use when setting your insurance premiums.
On the whole, young drivers pay much more for insurance than older drivers. Insurance providers often consider younger drivers with less driving experience to be high-risk drivers, and they’ll raise premiums based on the likelihood younger drivers will need to make a claim.

Your driving record

Another major factor used in determining your car insurance premiums is your driving record.
Even if you have minor offenses on your record, your rates will probably increase compared to someone with no violations at all.
If you’ve committed a major violation like a DUI, some companies may deny you coverage altogether. When you do get approved for coverage, know that your rates may be close to double the average.
But there’s still hope—by taking a defensive driving course and committing to improving your driving, you’ll have a shot at discounts and lower rates down the road.
Here are some common insurance premiums for Ram drivers with previous infractions:
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Where you live

Another large factor playing into your car insurance rates is where you live.
If you live in an area with high traffic, high property crime, or high likelihood of severe weather events, you’ll likely face higher premiums as insurers anticipate having to file more claims. Jerry has found that there is a high percentage of Ram drivers in cities like Houston (TX), Kitts-Hill (OH), San-Antonio (TX), Dallas (TX) and Parker (CO). The cheapest car insurance for Ram for Jerry users is in Okarche (OK) and Andalusia (AL). The most expensive car insurance for Ram for Jerry users is in Debary (FL) and Brooklyn (MD).
City
Average Cost
Annual Savings with Jerry
Dallas$2,988$646Compare Prices
Gainesville$4,704$2,265Compare Prices
Houston$3,258$713Compare Prices
Keysville
$8,628$3,459Compare Prices
Kitts-Hill
$3,000$1,192Compare Prices
Mcarthur
$4,320$2,458Compare Prices
Parker$3,144$988Compare Prices
Phoenix$2,796$802Compare Prices
San-Antonio$2,957$795Compare Prices
San-Jose$5,635$3,106Compare Prices
Regardless of where you live, your demographics, or which Ram you call your own, you can count on Jerry to find you the best rates and deliver them straight to your phone.
Jerry is powered by the latest in technology and a team of knowledgeable people, so if you have any questions about your coverage while you’re shopping, don’t hesitate to contact one of our licensed agents.

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