RAM Insurance Rates

The average cost of car insurance for a RAM model is about $1,757 per year.

This is $137 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 $1,596 $2,344 $2,742
RAM 2500 Insurance Cost $1,650 $2,423 $2,834
RAM 3500 Insurance Cost $1,822 $2,676 $3,130
RAM 4500 Insurance Cost $1,847 $2,712 $3,173
RAM 5500 Insurance Cost $2,173 $3,190 $3,732
RAM ProMaster Cargo Van Insurance Cost $1,575 $2,313 $2,706
RAM Promaster City Insurance Cost $1,634 $2,399 $2,807

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 $5,951 $8,738 $10,222
18 $5,546 $8,143 $9,526
19 $4,901 $7,196 $8,419
20 $4,273 $6,275 $7,341
21 $3,584 $5,262 $6,156
22 $3,490 $5,125 $5,995
23 $3,054 $4,484 $5,246
24 $2,901 $4,260 $4,984
25 $2,504 $3,676 $4,301
30 $1,950 $2,864 $3,350
35 $1,827 $2,682 $3,138
40 $1,757 $2,580 $3,018
45 $1,709 $2,510 $2,937
55 $1,568 $2,302 $2,693
65 $1,635 $2,401 $2,809
75 $2,064 $3,031 $3,546

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 $1,861 $2,703 $3,441
Alaska $1,540 $2,134 $2,075
Arizona $1,741 $2,516 $3,707
Arkansas $1,908 $2,998 $3,301
California $2,125 $3,757 $2,125
Colorado $1,983 $2,775 $3,521
Connecticut $2,533 $3,929 $4,987
Delaware $2,097 $2,795 $3,590
Florida $2,497 $3,454 $4,501
Georgia $2,036 $3,044 $3,069
Hawaii $813 $1,104 $813
Idaho $1,413 $1,873 $2,277
Illinois $1,479 $2,235 $2,549
Indiana $1,519 $2,322 $2,606
Iowa $1,203 $1,650 $1,941
Kansas $1,601 $2,329 $2,724
Kentucky $2,314 $3,397 $4,012
Louisiana $2,971 $4,491 $4,869
Maine $1,123 $1,553 $2,293
Maryland $1,818 $2,646 $2,939
Massachusetts $1,458 $2,543 $1,458
Michigan $3,518 $5,361 $8,456
Minnesota $1,448 $1,931 $2,719
Mississippi $1,748 $2,494 $2,510
Missouri $1,647 $2,355 $3,094
Montana $1,675 $2,337 $2,720
Nebraska $1,416 $2,093 $2,275
Nevada $2,335 $3,464 $3,659
New Hampshire $1,625 $2,569 $3,247
New Jersey $1,790 $2,808 $3,674
New Mexico $1,828 $2,719 $2,822
New York $1,693 $2,132 $3,558
North Carolina $1,050 $1,803 $1,286
North Dakota $1,436 $2,183 $2,581
Ohio $1,280 $1,975 $2,025
Oklahoma $2,045 $2,928 $3,296
Oregon $1,861 $2,497 $2,982
Pennsylvania $1,567 $2,301 $2,692
Rhode Island $2,617 $3,838 $4,322
South Carolina $1,777 $2,463 $3,399
South Dakota $1,594 $2,297 $2,651
Tennessee $1,875 $2,760 $3,676
Texas $1,889 $2,728 $3,393
Utah $1,606 $2,251 $3,097
Vermont $1,236 $1,904 $2,013
Virginia $1,165 $1,789 $1,753
Washington $1,542 $2,093 $2,499
West Virginia $1,551 $2,222 $2,784
Wisconsin $1,547 $2,415 $2,754
Wyoming $1,444 $2,022 $2,153