Ram 1500 Insurance
Average insurance costs for the Ram 1500 (2024-2026). Compare rates from 8+ top insurers and find the best coverage.
Full Coverage
$183/mo
Liability Only
$75/mo
Safety Rating
5★/5
Average Ram 1500 Insurance Rates
| Coverage Type | Monthly | Annual |
|---|---|---|
| Liability Only | $75 | $900 |
| Full Coverage | $183 | $2,200 |
Based on a 35-year-old driver with clean record and good credit. Rates vary by state, age, and driving history.
Ram 1500 Insurance Rates by Age
| Driver Age | Monthly Rate | Annual Rate |
|---|---|---|
| 18–25 | $247 | $2,964 |
| 26–35 | $183 | $2,196 |
| 36–55 | $162 | $1,944 |
| 55+ | $175 | $2,100 |
What Affects Your Ram 1500 Insurance Rate
- Vehicle Class: Full-Size Pickup
- Safety Rating: 5★ NHTSA, Not rated IIHS
- Theft Risk: moderate
- Model Years: 2024-2026
Ram 1500 Safety Features
✓Forward Collision Warning
✓Automatic Emergency Braking
✓Lane Keep Assist
✓Blind Spot Monitoring
✓Adaptive Cruise Control
Available Discounts for Ram 1500
- %Multi-vehicle discount
- %Good driver discount
- %Paperless billing
- %Pay-in-full discount
- %Ram owner loyalty
Ram 1500 Theft Risk
Risk Level:Moderate
Tailgates and parts are common theft targets. Similar theft profile to other full-size trucks.
Frequently Asked Questions
How much is insurance for a Ram 1500?▼
The average cost of Ram 1500 insurance is $183/month ($2,200/year) for full coverage. Liability-only coverage averages $75/month ($900/year).
Is Ram 1500 cheaper to insure than Ford F-150?▼
The Ram 1500 and Ford F-150 have very similar insurance costs, both around $183/month for full coverage. The F-150 may be slightly cheaper due to better IIHS ratings.
What affects Ram 1500 insurance rates?▼
Key factors include your location, driving record, credit score, coverage level, and whether you bundle with other policies. Truck theft rates also play a role.
Related Vehicles
Popular Full-Size Pickups
Compare insurance rates for other popular full-size pickups
Ford F-150
Full-Size Pickup
$183
/mo
Chevrolet Silverado 1500
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$192
/mo
GMC Sierra
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$183
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Toyota Tundra
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$139
/mo
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