RAM Insurance Rates

The average cost of car insurance for a RAM model is about $2,011 per year.

This is $214 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 $1,743 $2,559 $2,993
RAM 2500 Insurance Cost $1,802 $2,646 $3,096
RAM 3500 Insurance Cost $1,989 $2,921 $3,418
RAM 4500 Insurance Cost $2,198 $3,227 $3,775
RAM 5500 Insurance Cost $2,839 $4,169 $4,877
RAM ProMaster Cargo Van Insurance Cost $1,720 $2,525 $2,954
RAM Promaster City Insurance Cost $1,784 $2,620 $3,065

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 $6,811 $10,001 $11,699
18 $6,347 $9,320 $10,903
19 $5,609 $8,236 $9,636
20 $4,891 $7,182 $8,402
21 $4,102 $6,023 $7,046
22 $3,994 $5,865 $6,862
23 $3,495 $5,132 $6,004
24 $3,320 $4,876 $5,704
25 $2,865 $4,208 $4,922
30 $2,232 $3,278 $3,834
35 $2,091 $3,070 $3,591
40 $2,011 $2,952 $3,454
45 $1,956 $2,873 $3,361
55 $1,794 $2,635 $3,082
65 $1,872 $2,748 $3,215
75 $2,363 $3,469 $4,058

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 $2,130 $3,094 $3,938
Alaska $1,762 $2,443 $2,374
Arizona $1,992 $2,880 $4,243
Arkansas $2,184 $3,432 $3,779
California $2,432 $4,300 $2,432
Colorado $2,269 $3,176 $4,029
Connecticut $2,899 $4,497 $5,708
Delaware $2,400 $3,199 $4,109
Florida $2,858 $3,954 $5,152
Georgia $2,330 $3,484 $3,513
Hawaii $931 $1,264 $931
Idaho $1,617 $2,143 $2,606
Illinois $1,693 $2,558 $2,917
Indiana $1,739 $2,658 $2,983
Iowa $1,377 $1,889 $2,221
Kansas $1,832 $2,666 $3,118
Kentucky $2,649 $3,888 $4,592
Louisiana $3,400 $5,140 $5,573
Maine $1,286 $1,777 $2,624
Maryland $2,081 $3,029 $3,364
Massachusetts $1,669 $2,911 $1,669
Michigan $4,027 $6,136 $9,678
Minnesota $1,658 $2,210 $3,112
Mississippi $2,001 $2,854 $2,873
Missouri $1,885 $2,695 $3,541
Montana $1,917 $2,675 $3,113
Nebraska $1,620 $2,396 $2,603
Nevada $2,673 $3,964 $4,188
New Hampshire $1,859 $2,940 $3,716
New Jersey $2,048 $3,214 $4,206
New Mexico $2,092 $3,112 $3,230
New York $1,938 $2,440 $4,073
North Carolina $1,201 $2,063 $1,472
North Dakota $1,644 $2,498 $2,954
Ohio $1,466 $2,261 $2,318
Oklahoma $2,340 $3,351 $3,773
Oregon $2,130 $2,857 $3,413
Pennsylvania $1,794 $2,634 $3,082
Rhode Island $2,995 $4,393 $4,947
South Carolina $2,034 $2,819 $3,891
South Dakota $1,825 $2,630 $3,034
Tennessee $2,146 $3,159 $4,207
Texas $2,161 $3,122 $3,884
Utah $1,838 $2,576 $3,545
Vermont $1,415 $2,180 $2,304
Virginia $1,333 $2,047 $2,006
Washington $1,765 $2,395 $2,860
West Virginia $1,776 $2,543 $3,186
Wisconsin $1,770 $2,764 $3,152
Wyoming $1,652 $2,314 $2,464