RAM 1500 Insurance Cost

Auto insurance for a RAM 1500 will cost about $1,527 per year.

This beats the national average for popular pickup models by $260. 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

RAM 1500 Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $5,174 $7,597 $8,888
18 $4,822 $7,080 $8,283
19 $4,261 $6,257 $7,320
20 $3,715 $5,456 $6,383
21 $3,116 $4,575 $5,352
22 $3,034 $4,456 $5,213
23 $2,655 $3,899 $4,561
24 $2,522 $3,704 $4,333
25 $2,177 $3,196 $3,739
30 $1,696 $2,490 $2,913
35 $1,588 $2,332 $2,728
40 $1,527 $2,243 $2,624
45 $1,486 $2,183 $2,553
55 $1,363 $2,002 $2,342
65 $1,422 $2,088 $2,443
75 $1,795 $2,635 $3,083

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 $1,618 $2,351 $2,992
Alaska $1,339 $1,856 $1,804
Arizona $1,513 $2,188 $3,223
Arkansas $1,659 $2,607 $2,870
California $1,847 $3,267 $1,847
Colorado $1,724 $2,413 $3,061
Connecticut $2,203 $3,416 $4,336
Delaware $1,823 $2,430 $3,121
Florida $2,171 $3,004 $3,914
Georgia $1,770 $2,647 $2,669
Hawaii $707 $960 $707
Idaho $1,228 $1,628 $1,980
Illinois $1,286 $1,943 $2,216
Indiana $1,321 $2,019 $2,266
Iowa $1,046 $1,435 $1,687
Kansas $1,392 $2,025 $2,369
Kentucky $2,012 $2,954 $3,488
Louisiana $2,583 $3,905 $4,234
Maine $977 $1,350 $1,993
Maryland $1,581 $2,301 $2,555
Massachusetts $1,268 $2,211 $1,268
Michigan $3,059 $4,661 $7,353
Minnesota $1,259 $1,679 $2,364
Mississippi $1,520 $2,168 $2,182
Missouri $1,432 $2,048 $2,690
Montana $1,456 $2,032 $2,365
Nebraska $1,231 $1,820 $1,978
Nevada $2,030 $3,012 $3,181
New Hampshire $1,412 $2,233 $2,823
New Jersey $1,556 $2,441 $3,195
New Mexico $1,589 $2,364 $2,454
New York $1,472 $1,854 $3,094
North Carolina $912 $1,568 $1,118
North Dakota $1,249 $1,898 $2,244
Ohio $1,113 $1,717 $1,761
Oklahoma $1,778 $2,546 $2,866
Oregon $1,618 $2,171 $2,593
Pennsylvania $1,363 $2,001 $2,341
Rhode Island $2,275 $3,337 $3,758
South Carolina $1,545 $2,141 $2,956
South Dakota $1,386 $1,998 $2,305
Tennessee $1,630 $2,400 $3,196
Texas $1,642 $2,372 $2,950
Utah $1,397 $1,957 $2,693
Vermont $1,075 $1,656 $1,750
Virginia $1,013 $1,555 $1,524
Washington $1,341 $1,820 $2,173
West Virginia $1,349 $1,932 $2,420
Wisconsin $1,345 $2,099 $2,395
Wyoming $1,256 $1,758 $1,872

RAM 1500 Insurance Rankings

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.

Insurance Rankings

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: