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Ram Insurance Rates

What to expect when insuring a Ram

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Average insurance cost for a Ram

The average insurance cost of a Ram across all models is $165.20 a month, or $1,982.40 a year. Your exact cost will be determined by many factors, including the amount of miles you drive in a year, your driving history, your age and other factors.

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How a vehicle from Ram affects the cost of insurance

Insurance companies look at several car-related factors when determining the cost of insurance, including the car’s safety ratings, its likelihood of being stolen, and replacement costs and overall damage susceptibility.

A couple of these factors negatively impact the cost of insurance for a Ram. Some models have high theft rates as well as just average safety ratings.

Other factors that affect the cost of insurance include the model, mileage and trim package. Personal factors like your driving history, credit score and age also play roles.

Ram car insurance rates by model

Model Monthly insurance rate Base car price
1500 $148 $26,495
2500 $151 $32,145
3500 $151 $33,245
Promaster 1500 $156 $29,995
Promaster 2500 $156 $32,695
Promaster 3500 $227 $36,890
Promaster City $220 $23,495

Are there any standout models?

Ram’s 1500 Sport Hydro Blue has all the power and capabilities of the 1500 with a bold exterior. This truck’s stand-out design includes a blue exterior with a sport hood decal, 22-inch all-black wheels and a striking grille. The interior boasts cloth high-back bucket seats with hydro blue stitching and embossed Sport and Ram’s Head logo.

Pros and cons of insuring a Ram

Pros

  • Not especially costly to repair or replace

Cons

  • Some models have high theft rates
  • Average safety ratings

About the Ram brand

In 2010, Ram was spun off from Dodge as its own brand and adopted the Dodge Ram’s logo. Ram aims to produce trucks for “real truck customers.”

In just a short amount of time, Ram has already amassed a handful of awards, including Best Full Size Truck for the Money from U.S. News & World Report.

Ram car facts

  • The first Ram trucks were introduced in 1981.
  • The logo for Ram was formally the logo for the Dodge brand.
  • Ram pickup trucks have been the winner of Motor Trend’s Truck of the Year Award five times.

Bottom line

Ram trucks can be more expensive to insure than other trucks, especially for the more powerful pickups. You can find the best deal on insurance for your Ram by comparing car insurance coverage to get the best rate and value for you.

Companies that provide coverage for Ram

You’ll find that most, if not all, insurance providers will insure your Ram pickup.

Name Product Roadside assistance New car protection Available states
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Optional
Yes, cars under 1 year old & 15,000 miles
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.

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Frequently asked questions about Ram

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