RAM 1500 Insurance Cost

Auto insurance for a RAM 1500 will cost about $1,596 per year.

This beats the national average for popular pickup models by $298. 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 $5,407 $7,939 $9,288
18 $5,039 $7,399 $8,655
19 $4,453 $6,538 $7,649
20 $3,883 $5,701 $6,670
21 $3,256 $4,781 $5,593
22 $3,171 $4,656 $5,447
23 $2,775 $4,074 $4,766
24 $2,636 $3,870 $4,528
25 $2,275 $3,340 $3,908
30 $1,772 $2,602 $3,044
35 $1,660 $2,437 $2,851
40 $1,596 $2,344 $2,742
45 $1,553 $2,281 $2,668
55 $1,424 $2,092 $2,447
65 $1,486 $2,182 $2,552
75 $1,875 $2,754 $3,222

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 $1,691 $2,456 $3,127
Alaska $1,399 $1,939 $1,885
Arizona $1,581 $2,286 $3,368
Arkansas $1,734 $2,724 $3,000
California $1,930 $3,414 $1,930
Colorado $1,802 $2,521 $3,199
Connecticut $2,302 $3,570 $4,531
Delaware $1,905 $2,539 $3,262
Florida $2,269 $3,139 $4,090
Georgia $1,850 $2,766 $2,789
Hawaii $739 $1,003 $739
Idaho $1,284 $1,702 $2,069
Illinois $1,344 $2,031 $2,316
Indiana $1,380 $2,110 $2,368
Iowa $1,093 $1,499 $1,763
Kansas $1,455 $2,116 $2,475
Kentucky $2,103 $3,087 $3,645
Louisiana $2,699 $4,080 $4,424
Maine $1,021 $1,411 $2,083
Maryland $1,652 $2,404 $2,670
Massachusetts $1,325 $2,311 $1,325
Michigan $3,197 $4,871 $7,683
Minnesota $1,316 $1,754 $2,470
Mississippi $1,588 $2,266 $2,280
Missouri $1,497 $2,140 $2,811
Montana $1,522 $2,123 $2,471
Nebraska $1,286 $1,902 $2,067
Nevada $2,122 $3,147 $3,324
New Hampshire $1,476 $2,334 $2,950
New Jersey $1,626 $2,551 $3,338
New Mexico $1,661 $2,470 $2,564
New York $1,538 $1,937 $3,233
North Carolina $954 $1,638 $1,168
North Dakota $1,305 $1,983 $2,345
Ohio $1,163 $1,794 $1,840
Oklahoma $1,858 $2,660 $2,995
Oregon $1,691 $2,268 $2,709
Pennsylvania $1,424 $2,091 $2,446
Rhode Island $2,378 $3,488 $3,927
South Carolina $1,615 $2,238 $3,089
South Dakota $1,449 $2,087 $2,409
Tennessee $1,704 $2,508 $3,340
Texas $1,716 $2,479 $3,083
Utah $1,459 $2,045 $2,814
Vermont $1,123 $1,730 $1,829
Virginia $1,058 $1,625 $1,593
Washington $1,401 $1,902 $2,271
West Virginia $1,410 $2,019 $2,529
Wisconsin $1,405 $2,194 $2,502
Wyoming $1,312 $1,837 $1,956

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: