RAM Insurance Rates

The average cost of car insurance for a RAM model is about $1,866 per year.

This is $201 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 $1,679 $2,501 $2,956
RAM 2500 Insurance Cost $1,736 $2,585 $3,056
RAM 3500 Insurance Cost $1,916 $2,854 $3,373
RAM 4500 Insurance Cost $2,156 $3,211 $3,796
RAM 5500 Insurance Cost $2,327 $3,466 $4,097
RAM ProMaster Cargo Van Insurance Cost $1,530 $2,280 $2,695
RAM Promaster City Insurance Cost $1,718 $2,558 $3,024

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 $6,320 $9,414 $11,128
18 $5,890 $8,773 $10,371
19 $5,205 $7,753 $9,165
20 $4,539 $6,760 $7,991
21 $3,806 $5,669 $6,702
22 $3,707 $5,521 $6,527
23 $3,243 $4,831 $5,711
24 $3,081 $4,590 $5,425
25 $2,659 $3,961 $4,682
30 $2,071 $3,085 $3,647
35 $1,940 $2,890 $3,416
40 $1,866 $2,779 $3,285
45 $1,816 $2,705 $3,197
55 $1,665 $2,480 $2,932
65 $1,737 $2,587 $3,058
75 $2,192 $3,265 $3,860

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 $1,977 $2,769 $3,466
Alaska $1,635 $2,382 $2,495
Arizona $1,849 $2,868 $4,089
Arkansas $2,027 $3,070 $3,434
California $2,256 $3,947 $2,256
Colorado $2,106 $2,915 $3,637
Connecticut $2,691 $4,160 $5,328
Delaware $2,227 $3,067 $4,071
Florida $2,652 $3,602 $4,696
Georgia $2,162 $3,332 $3,419
Hawaii $864 $1,192 $864
Idaho $1,501 $2,019 $2,514
Illinois $1,571 $2,321 $2,692
Indiana $1,613 $2,522 $2,943
Iowa $1,278 $1,917 $2,234
Kansas $1,700 $2,503 $2,965
Kentucky $2,458 $3,697 $4,349
Louisiana $3,155 $4,823 $5,192
Maine $1,193 $1,600 $2,335
Maryland $1,931 $2,831 $3,343
Massachusetts $1,548 $2,619 $1,548
Michigan $3,737 $5,617 $8,638
Minnesota $1,538 $2,066 $3,059
Mississippi $1,857 $2,805 $2,963
Missouri $1,749 $2,409 $3,117
Montana $1,779 $2,783 $3,070
Nebraska $1,504 $2,129 $2,422
Nevada $2,480 $3,744 $4,107
New Hampshire $1,725 $2,781 $3,541
New Jersey $1,901 $2,997 $3,866
New Mexico $1,941 $2,793 $3,137
New York $1,798 $2,342 $3,780
North Carolina $1,115 $1,800 $1,387
North Dakota $1,525 $2,348 $2,980
Ohio $1,360 $2,224 $2,304
Oklahoma $2,172 $3,261 $3,699
Oregon $1,976 $2,985 $3,424
Pennsylvania $1,664 $2,517 $2,889
Rhode Island $2,779 $4,265 $4,878
South Carolina $1,888 $2,732 $3,898
South Dakota $1,694 $2,330 $2,795
Tennessee $1,992 $2,979 $3,759
Texas $2,006 $2,952 $3,705
Utah $1,706 $2,467 $3,403
Vermont $1,313 $2,100 $2,296
Virginia $1,237 $1,863 $1,979
Washington $1,638 $2,461 $2,901
West Virginia $1,648 $2,400 $2,964
Wisconsin $1,643 $2,398 $2,913
Wyoming $1,534 $2,254 $2,520