RAM Insurance Rates

The average cost of car insurance for a RAM model is about $1,654 per year.

This is $133 better than other popular brands. Our car insurance comparison studies assume 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. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact RAM insurance rates.

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

RAM insurance rates will vary 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

Insurance Cost per RAM Model

Model Good Driver Recent Accident Poor Credit
RAM 1500 Insurance Cost $1,527 $2,243 $2,624
RAM 2500 Insurance Cost $1,579 $2,319 $2,713
RAM 3500 Insurance Cost $1,744 $2,560 $2,995
RAM 4500 Insurance Cost $1,767 $2,595 $3,036
RAM 5500 Insurance Cost $1,908 $2,801 $3,277
RAM ProMaster Cargo Van Insurance Cost $1,493 $2,192 $2,564
RAM Promaster City Insurance Cost $1,563 $2,296 $2,685

The cost to insure a RAM model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a RAM, then see our insurance analysis and rankings for other makes and models here.

RAM Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $5,604 $8,229 $9,627
18 $5,223 $7,669 $8,972
19 $4,616 $6,777 $7,929
20 $4,024 $5,910 $6,913
21 $3,375 $4,956 $5,797
22 $3,287 $4,826 $5,646
23 $2,876 $4,223 $4,940
24 $2,732 $4,012 $4,693
25 $2,358 $3,462 $4,050
30 $1,837 $2,697 $3,155
35 $1,720 $2,526 $2,955
40 $1,654 $2,429 $2,842
45 $1,610 $2,364 $2,765
55 $1,476 $2,168 $2,537
65 $1,540 $2,262 $2,646
75 $1,944 $2,854 $3,339

RAM auto 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 models by state.

Average RAM Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $1,753 $2,546 $3,241
Alaska $1,450 $2,010 $1,954
Arizona $1,639 $2,370 $3,491
Arkansas $1,797 $2,824 $3,109
California $2,001 $3,539 $2,001
Colorado $1,867 $2,613 $3,316
Connecticut $2,386 $3,700 $4,697
Delaware $1,975 $2,632 $3,381
Florida $2,352 $3,253 $4,240
Georgia $1,917 $2,867 $2,891
Hawaii $766 $1,040 $766
Idaho $1,330 $1,764 $2,144
Illinois $1,393 $2,105 $2,400
Indiana $1,431 $2,187 $2,454
Iowa $1,133 $1,554 $1,827
Kansas $1,508 $2,194 $2,566
Kentucky $2,179 $3,199 $3,778
Louisiana $2,798 $4,229 $4,586
Maine $1,058 $1,462 $2,159
Maryland $1,712 $2,492 $2,768
Massachusetts $1,373 $2,395 $1,373
Michigan $3,314 $5,049 $7,964
Minnesota $1,364 $1,819 $2,561
Mississippi $1,647 $2,349 $2,364
Missouri $1,551 $2,218 $2,914
Montana $1,577 $2,201 $2,562
Nebraska $1,333 $1,972 $2,142
Nevada $2,199 $3,262 $3,446
New Hampshire $1,530 $2,419 $3,058
New Jersey $1,686 $2,644 $3,461
New Mexico $1,721 $2,560 $2,658
New York $1,594 $2,008 $3,351
North Carolina $988 $1,698 $1,211
North Dakota $1,353 $2,055 $2,431
Ohio $1,206 $1,860 $1,907
Oklahoma $1,926 $2,758 $3,105
Oregon $1,753 $2,351 $2,809
Pennsylvania $1,476 $2,167 $2,536
Rhode Island $2,464 $3,615 $4,071
South Carolina $1,674 $2,320 $3,202
South Dakota $1,501 $2,164 $2,497
Tennessee $1,766 $2,600 $3,462
Texas $1,778 $2,569 $3,196
Utah $1,513 $2,120 $2,917
Vermont $1,165 $1,794 $1,896
Virginia $1,097 $1,684 $1,651
Washington $1,452 $1,971 $2,354
West Virginia $1,461 $2,092 $2,622
Wisconsin $1,457 $2,274 $2,594
Wyoming $1,360 $1,904 $2,028