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By R.E. Fulton
Updated on Sep 28, 2022
Reviewed by Kathleen Flear, Director of Content.
The average cost of Ram car insurance is $1,896 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 $1,896 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.
At the very least, you need to have your state’s minimum required car insurance. That usually includes a minimum amount of liability coverage that would cover both bodily injury liability and property damage liability. This liability protection will help you cover damage to others’ property and other expenses if you’re ever found at fault for an accident.
Depending on what state you live in, you may need to purchase a minimum amount of the following types of coverage:
- Uninsured/underinsured motorist coverage: Covers expenses if you’re involved in an accident with a driver without the necessary amount of liability coverage
- Personal injury protection (PIP): Covers medical expenses for you and your passengers. You’ll often find this to be a requirement in no-fault states
- Medical payments (MedPay) coverage: Covers certain medical expenses for you and your passengers after a collision
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.
In fact, the Ram 1500 Tradesman actually makes our list as one of the cheapest trucks to insure overall.
Here’s a look at how insurance costs for the Ram 1500 Tradesman can vary depending on its age and what coverage options you choose:
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Ram 1500 Tradesman | $2,706 | $1,825 |
| 2020 Ram 1500 Tradesman | $2,262 | $1,502 |
| 2019 Ram 1500 Tradesman | $1,912 | $1,554 |
| 2018 Ram 1500 Tradesman | $2,565 | $2,159 |
| 2017 Ram 1500 Tradesman | $2,154 | $1,568 |
For more information, check out our in-depth guide to Ram 1500 Tradesman insurance costs!
How much does Ram 1500 Limited insurance cost?
The Ram 1500 Limited can cost significantly more to insure than a Tradesman—especially if it’s a diesel. That’s because diesel engines tend to be more expensive to produce and maintain.
The table below shows how Ram 1500 insurance costs can vary depending on what model year and coverage level you choose:
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Ram 1500 Limited | $2,706 | $1,825 |
| 2020 Ram 1500 Limited | $2,262 | $1,502 |
| 2019 Ram 1500 Limited | $1,912 | $1,554 |
| 2018 Ram 1500 Limited | $2,565 | $2,159 |
| 2017 Ram 1500 Limited | $2,154 | $1,568 |
For more information, check out our in-depth guide to Ram 1500 Limited insurance costs!
How much does Ram 3500 Laramie insurance cost?
As one of the higher-end Ram trucks, the Ram 3500 Laramie can be one of the most expensive Rams to insure.
Here’s what average annual premiums can look like for Ram 3500 Laramie owners depending on the model year and what coverage level you choose:
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Ram 3500 Laramie | $2,706 | $1,825 |
| 2020 Ram 3500 Laramie | $2,262 | $1,502 |
| 2019 Ram 3500 Laramie | $1,912 | $1,554 |
| 2018 Ram 3500 Laramie | $2,565 | $2,159 |
| 2017 Ram 3500 Laramie | $2,154 | $1,568 |
For more information, check out our in-depth guide to Ram 3500 Laramie insurance costs!
How much does Ram 1500 TRX insurance cost?
If you’re looking for an attention-grabber, look no further than the Ram 1500 TRX. This performance truck has an arresting exterior and a powerful supercharged 6.2L HEMI V8 engine under its hood.
Just keep in mind those impressive performance capabilities can translate to a higher car insurance premium.
The average annual cost to insure a Ram 1500 TRX will vary based on your age, driving history, and what coverage options you choose:
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Ram 1500 Trx | $2,706 | $1,825 |
| 2020 Ram 1500 Trx | $2,262 | $1,502 |
| 2019 Ram 1500 Trx | $1,912 | $1,554 |
| 2018 Ram 1500 Trx | $2,565 | $2,159 |
| 2017 Ram 1500 Trx | $2,154 | $1,568 |
For more information, check out our in-depth guide to Ram 1500 TRX insurance costs!
How much does Ram Promaster City insurance cost?
The Ram Promaster City van can give you a massive amount of cargo space and help you get large groups of people from point A to point B, but it’s also one of the most expensive Rams to insure.
Here’s how your insurance rate can vary depending on its model year and your driving history:
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Ram Promaster City | $2,706 | $1,825 |
| 2020 Ram Promaster City | $2,262 | $1,502 |
| 2019 Ram Promaster City | $1,912 | $1,554 |
| 2018 Ram Promaster City | $2,565 | $2,159 |
| 2017 Ram Promaster City | $2,154 | $1,568 |
For more information, check out our in-depth guide to Ram Promaster City insurance costs!
Compare Ram car insurance quotes
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:
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Dairyland | $3,833 | $1,237 | Compare Prices |
| National General | $3,395 | $1,170 | Compare Prices |
| Clearcover | $3,090 | $1,138 | Compare Prices |
| Progressive | $3,144 | $964 | Compare Prices |
| Allstate | $3,291 | $947 | Compare Prices |
| State Auto | $3,101 | $932 | Compare Prices |
| Kemper | $3,124 | $899 | Compare Prices |
| Nationwide | $2,772 | $896 | Compare Prices |
| Safeco | $2,987 | $817 | Compare Prices |
| Travelers | $2,619 | $801 | Compare Prices |
Ram auto insurance cost by driving record
It’s not just what kind of Ram you’re driving—your driving history will also affect how much your car insurance costs.
The trend here is pretty straightforward: a clean driving record suggests safe, responsible driving practices, and that will result in a lower car insurance rate.
Even if you do have driving offenses on your record, finding car insurance is still possible, although you might end up paying a higher rate.
The table below shows how your driving record could affect the cost of your Ram’s insurance:
Ram car insurance cost by location
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.
| City | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Austin | $2,911 | $688 | Compare Prices |
| Dallas | $3,440 | $872 | Compare Prices |
| Gainesville | $4,704 | $2,265 | Compare Prices |
| Houston | $3,116 | $667 | Compare Prices |
Keysville | $8,628 | $3,013 | Compare Prices |
| Kitts Hill | $3,000 | $1,192 | Compare Prices |
Mcarthur | $4,320 | $2,458 | Compare Prices |
| Parker | $3,223 | $995 | Compare Prices |
| Phoenix | $2,773 | $846 | Compare Prices |
| San Antonio | $3,189 | $854 | Compare Prices |
