Ford F-150 vs Ram 1500 Insurance Cost
The Ford F-150 is cheaper to insure by about $205 a year for full coverage by our estimate ($1,580 vs. $1,785), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Ford F-150 | Ram 1500 | Difference |
|---|---|---|---|
| State minimum | $665 | $740 | −$75 |
| Standard (100/300/100) | $960 | $1,070 | −$110 |
| Full coverage | $1,580 | $1,785 | −$205 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = F-150 minus 1500.
Why one costs more to insure
| Factor | Ford F-150 | Ram 1500 |
|---|---|---|
| Segment | Pickup truck | Pickup truck |
| Powertrains | Gasoline, Hybrid, Diesel, Flex-fuel | Gasoline, Hybrid, Diesel, Flex-fuel |
| HLDI collision (100 = avg) | 92 | 99 |
| HLDI comprehensive | 84 | 108 |
| HLDI property damage liability | 110 | 132 |
| HLDI bodily injury liability | 121 | 136 |
| NHTSA overall rating | 5★ | 4★ |
| NICB most-stolen rank | #7 | Not in top 10 |
| Recalls (latest 3 model years) | 23 | 10 |
Collision losses are the biggest swing factor: the Ram 1500 has 7 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Ford F-150. The Ford F-150 appears on the NICB most-stolen list, adding to comprehensive costs.
F-150 vs 1500 insurance by state
By driver profile (full coverage)
| Driver | F-150 | 1500 |
|---|---|---|
| Teen driver (18, own policy) | $4,345 | $4,910 |
| Young adult (22) | $2,530 | $2,860 |
| Adult in their 30s | $1,580 | $1,785 |
| Adult in their 50s | $1,455 | $1,645 |
| Senior (72) | $1,770 | $2,000 |
| 30s, one at-fault accident | $2,290 | $2,590 |
| 30s, DUI on record | $2,925 | $3,305 |
More comparisons
Frequently asked questions
Is the Ford F-150 or the Ram 1500 cheaper to insure?
By our estimate the Ford F-150 is cheaper, by about $205 a year for full coverage ($1,580 vs. $1,785) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Ford F-150 and Ram 1500?
Mostly because of insurance-loss history: HLDI collision indices of 92 vs. 99 and comprehensive indices of 84 vs. 108 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.