RAM 1500 Insurance Cost

Auto insurance for a RAM 1500 will cost about $1,679 per year.

This beats the national average for popular pickup models by $388. 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.

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. Visit our Competitive Quote Tool to see if you can find lower rates for a 1500.

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

These RAM 1500 insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

RAM 1500 insurance Cost

Age Good Driver Recent Accident Poor Credit
17 $5,687 $8,470 $10,012
18 $5,299 $7,894 $9,331
19 $4,683 $6,976 $8,246
20 $4,084 $6,083 $7,190
21 $3,425 $5,101 $6,030
22 $3,335 $4,968 $5,872
23 $2,918 $4,347 $5,138
24 $2,772 $4,129 $4,881
25 $2,392 $3,564 $4,213
30 $1,864 $2,776 $3,282
35 $1,746 $2,600 $3,073
40 $1,679 $2,501 $2,956
45 $1,634 $2,433 $2,876
55 $1,498 $2,232 $2,638
65 $1,563 $2,328 $2,752
75 $1,972 $2,938 $3,473

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 $1,779 $2,492 $3,118
Alaska $1,471 $2,143 $2,245
Arizona $1,663 $2,580 $3,679
Arkansas $1,824 $2,762 $3,090
California $2,030 $3,551 $2,030
Colorado $1,895 $2,623 $3,272
Connecticut $2,421 $3,743 $4,794
Delaware $2,004 $2,759 $3,663
Florida $2,386 $3,241 $4,225
Georgia $1,945 $2,998 $3,076
Hawaii $777 $1,073 $777
Idaho $1,350 $1,817 $2,262
Illinois $1,413 $2,089 $2,422
Indiana $1,452 $2,269 $2,648
Iowa $1,150 $1,725 $2,010
Kansas $1,530 $2,252 $2,668
Kentucky $2,212 $3,327 $3,913
Louisiana $2,839 $4,339 $4,671
Maine $1,074 $1,440 $2,101
Maryland $1,737 $2,547 $3,008
Massachusetts $1,393 $2,356 $1,393
Michigan $3,362 $5,054 $7,772
Minnesota $1,384 $1,859 $2,752
Mississippi $1,671 $2,524 $2,666
Missouri $1,574 $2,168 $2,804
Montana $1,601 $2,504 $2,762
Nebraska $1,353 $1,915 $2,179
Nevada $2,232 $3,369 $3,695
New Hampshire $1,552 $2,502 $3,186
New Jersey $1,710 $2,696 $3,478
New Mexico $1,747 $2,513 $2,822
New York $1,618 $2,107 $3,401
North Carolina $1,003 $1,619 $1,248
North Dakota $1,372 $2,113 $2,682
Ohio $1,224 $2,001 $2,073
Oklahoma $1,954 $2,934 $3,328
Oregon $1,778 $2,686 $3,081
Pennsylvania $1,498 $2,265 $2,599
Rhode Island $2,501 $3,837 $4,389
South Carolina $1,698 $2,458 $3,507
South Dakota $1,524 $2,096 $2,515
Tennessee $1,792 $2,680 $3,382
Texas $1,805 $2,656 $3,334
Utah $1,535 $2,220 $3,062
Vermont $1,182 $1,889 $2,066
Virginia $1,113 $1,676 $1,781
Washington $1,474 $2,214 $2,610
West Virginia $1,483 $2,159 $2,666
Wisconsin $1,478 $2,158 $2,621
Wyoming $1,380 $2,028 $2,267

Other Important Costs of Owning a RAM 1500

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on RAM 1500 depreciation, maintenance and financing. These will provide you with even more knowledge before making such an important financial decision.

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