The average insurance costs for a Dodge Ram 1500 is $301 a month — or $3,612 a year. With a base price of $39,915, the annual insurance cost–to–base car price ratio is 9%.
Compare free Ram 1500 insurance quotes online
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Ram 1500 insurance cost vs other models
Model
Monthly insurance rate
Base car price
1500
$301
$39,915
2500
$293
$50,065
3500
$301
$51,065
Promaster 1500
$247
$40,640
Promaster 2500
$243
$42,640
Promaster 3500
$254
$43,940
Promaster City
$243
$34,240
To determine these estimated costs, we aggregated quotes from insurance companies using this profile:
Single, 35 year old female
Latest model vehicle
20,000 km driven yearly
Perfect driving record
Equipped with winter tires
Driver located in Etobicoke, Ontario
Our estimated price is for full insurance coverage, which usually includes mandatory liability coverage, comprehensive and collision coverage.
Other factors that can affect your Ram 1500 insurance rate
The model year
The vehicle’s trim
The amount of coverage you need
The estimated kilometres you drive in a year
The vehicle’s safety and anti-theft features
The driver’s credit score
The driver’s location
The driver’s age
The driver’s driving history in the past several years
The driver’s marital status
Your (or the driver’s) gender
Whether the driver rents, leases or owns the vehicle
Ram 1500 money-saving safety features
You could save money on car insurance for your Ram 1500 if it comes equipped with these safety features.
Anti-lock brakes
Stability control
Airbags
Seatbelt pretensioners
Anti theft system
Dodge Ram 1500 safety & reliability ratings
The Dodge Ram 1500 has been around since 1994. The full size pickup truck is known for its excellent ride quality, fuel efficient turbodiesel engine and premium cabin.
The 2020 Ram 1500 received a top safety pick from the Insurance Institute for Highway Safety (IIHS). It also received a 85/100 quality and reliability rating from JD Power.
Bottom line
The Ram 1500 is a top-rated truck that is best known for comfort and safety. Compare your options to find the best price on the coverage you need.
Frequently asked questions about Dodge Ram 1500 insurance
The Ram 1500 can come equipped with a number of award-winning safety and driver assistance features that may be eligible for discounts. Discounts and rates vary between providers, so you’ll need to get quotes from multiple sources to find the actual price you’ll pay for coverage.
There is no single best provider for the Ram 1500. Auto insurance policies and rates are affected by a number of driver and vehicle-related factors, so you’ll need to compare your options and get multiple quotes to find out which is best for your situation.
You can learn more about provincial minimums here, by selecting your province or territory in the top right hand corner. Or you can speak with your provider to find a policy that suits your needs. When shopping around, it’s essential to find a policy that fits into your budget but also fulfills your provincial minimum requirements.
Roslyn McKenna Ayers is insurance manager at ValuePenguin and a former publisher at Finder, specializing in home and auto coverage. Her expertise and analysis has been featured on Bankrate, MSN and Reader's Digest. She holds a BA in writing and communications from Maryville College.
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