RAM 1500 Insurance Rates

RAM 1500 Insurance Rates

Auto insurance for a RAM 1500 will cost about $2,293 per year.

This beats the national average for popular pickup models by $602. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a RAM 1500.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

RAM 1500 insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

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RAM 1500 Insurance Rates by Age*

Age Good Driver Recent Accident Poor Credit
17 $7,768 $11,406 $13,343
18 $7,239 $10,629 $12,435
19 $6,397 $9,394 $10,989
20 $5,578 $8,191 $9,582
21 $4,678 $6,869 $8,036
22 $4,556 $6,690 $7,826
23 $3,986 $5,853 $6,848
24 $3,787 $5,561 $6,505
25 $3,268 $4,799 $5,614
30 $2,546 $3,738 $4,373
35 $2,384 $3,501 $4,096
40 $2,293 $3,367 $3,939
45 $2,231 $3,277 $3,833
55 $2,046 $3,005 $3,516
65 $2,135 $3,135 $3,667
75 $2,694 $3,956 $4,628

RAM 1500 car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect RAM 1500 by state.


RAM 1500 Insurance Rates by State*

State Good Driver Recent Accident Poor Credit
Alabama $2,430 $3,529 $4,492
Alaska $2,010 $2,786 $2,708
Arizona $2,272 $3,285 $4,839
Arkansas $2,491 $3,914 $4,309
California $2,774 $4,905 $2,774
Colorado $2,588 $3,622 $4,596
Connecticut $3,307 $5,128 $6,510
Delaware $2,737 $3,648 $4,686
Florida $3,259 $4,509 $5,876
Georgia $2,657 $3,973 $4,006
Hawaii $1,061 $1,441 $1,061
Idaho $1,844 $2,445 $2,972
Illinois $1,930 $2,918 $3,327
Indiana $1,983 $3,032 $3,402
Iowa $1,571 $2,154 $2,533
Kansas $2,090 $3,040 $3,556
Kentucky $3,021 $4,434 $5,237
Louisiana $3,878 $5,862 $6,356
Maine $1,466 $2,027 $2,993
Maryland $2,373 $3,454 $3,836
Massachusetts $1,903 $3,320 $1,903
Michigan $4,592 $6,998 $11,038
Minnesota $1,890 $2,521 $3,549
Mississippi $2,282 $3,255 $3,276
Missouri $2,150 $3,074 $4,039
Montana $2,186 $3,050 $3,551
Nebraska $1,848 $2,733 $2,969
Nevada $3,048 $4,521 $4,776
New Hampshire $2,120 $3,353 $4,239
New Jersey $2,336 $3,665 $4,796
New Mexico $2,386 $3,549 $3,684
New York $2,210 $2,783 $4,645
North Carolina $1,370 $2,353 $1,678
North Dakota $1,875 $2,849 $3,369
Ohio $1,671 $2,578 $2,643
Oklahoma $2,669 $3,822 $4,303
Oregon $2,429 $3,259 $3,893
Pennsylvania $2,046 $3,004 $3,514
Rhode Island $3,416 $5,011 $5,642
South Carolina $2,320 $3,215 $4,437
South Dakota $2,081 $2,999 $3,460
Tennessee $2,448 $3,603 $4,798
Texas $2,465 $3,561 $4,429
Utah $2,097 $2,938 $4,043
Vermont $1,614 $2,486 $2,627
Virginia $1,521 $2,335 $2,288
Washington $2,013 $2,732 $3,262
West Virginia $2,025 $2,900 $3,634
Wisconsin $2,019 $3,152 $3,595
Wyoming $1,885 $2,639 $2,810

RAM 1500 Insurance Rankings


We've ranked over 200 models from best to worst for Insurance. See where the RAM 1500 ranks for Insurance compared to other vehicles. Also check out how the 1500 stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Other RAM 1500 Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major RAM 1500 costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses:


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