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!

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 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.

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.

Ram 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.

In the table below, you can compare real quotes for real Ram 2500 owners from Jerry.

Ram 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.

In the table below, you can compare real quotes for real Ram 3500 owners from Jerry.

Is a RAM more expensive to insure?

Compared to the average cost of other cars, RAM vehicles cost 16% more to insure.

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.

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.

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.

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.

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.

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:

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.

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.

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.

MEET OUR EXPERTS

R.E. Fulton

• Licensed Insurance Agent

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

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from 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.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.