Dodge Ram 1500 Insurance Cost
Full coverage for a Dodge Ram 1500 costs about $1,240 a year ($104/month) by our estimate — ▼ −22% versus the average vehicle.
Dodge Ram 1500 insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2010 model year. Our vehicle data covers the 2005–2010 model years of the Dodge Ram 1500, which is no longer in production.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $615 | $51 | $505–$725 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $890 | $74 | $730–$1,050 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,240 | $104 | $1,020–$1,465 |
What drives the cost of insuring a Dodge Ram 1500
HLDI does not publish loss results for the Dodge Ram 1500, so our estimate uses the typical losses of its segment (Pickup truck): 1.00× average for liability, 0.98× for collision and 1.05× for comprehensive.
- Repair and parts costs: Pickup truck — mainstream parts availability keeps repairs moderate.
Dodge Ram 1500 trims and configurations (2010)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| Ram 1500 Pickup 2WD | RWD | 3.7L 6-cyl | 16 |
| Ram 1500 Pickup 2WD | RWD | 4.7L 8-cyl | 15 |
| Ram 1500 Pickup 2WD | RWD | 5.7L 8-cyl | 16 |
| Ram 1500 Pickup 4WD | 4WD | 4.7L 8-cyl | 15 |
| Ram 1500 Pickup 4WD | 4WD | 5.7L 8-cyl | 15 |
Dodge Ram 1500 insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2010 | 3.7L 6-cyl, 4.7L 8-cyl, 5.7L 8-cyl | 4WD, RWD | 15–16 | $1,240 |
| 2009 | 3.7L 6-cyl, 4.7L 8-cyl, 5.7L 8-cyl | 4WD/AWD, RWD | 15–16 | $1,240 |
| 2008 | 3.7L 6-cyl, 4.7L 8-cyl, 5.7L 8-cyl | 4WD/AWD, RWD | 14–17 | $1,240 |
| 2007 | 3.7L 6-cyl, 4.7L 8-cyl, 5.7L 8-cyl | 4WD/AWD, RWD | 14–16 | $1,240 |
| 2006 | 3.7L 6-cyl, 4.7L 8-cyl, 5.7L 8-cyl | 4WD/AWD, RWD | 9–16 | $1,240 |
| 2005 | 3.7L 6-cyl, 4.7L 8-cyl, 5.7L 8-cyl | 4WD/AWD, RWD | 9–16 | $1,240 |
Dodge Ram 1500 insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.
| State | Full coverage | Minimum | vs. national |
|---|---|---|---|
| Alabama | $1,045 | $480 | −16% |
| Alaska | $1,075 | $625 | −13% |
| Arizona | $1,315 | $660 | +6% |
| Arkansas | $1,030 | $450 | −17% |
| California | $1,175 | $575 | −5% |
| Colorado | $1,390 | $650 | +12% |
| Connecticut | $1,360 | $710 | +10% |
| Delaware | $1,465 | $800 | +18% |
| District of Columbia | $1,540 | $740 | +24% |
| Florida | $1,915 | $1,080 | +54% |
| Georgia | $1,615 | $870 | +30% |
| Hawaii | $825 | $435 | −33% |
| Idaho | $835 | $400 | −33% |
| Illinois | $1,055 | $500 | −15% |
| Indiana | $860 | $405 | −31% |
| Iowa | $785 | $310 | −37% |
| Kansas | $940 | $405 | −24% |
| Kentucky | $1,055 | $525 | −15% |
| Louisiana | $1,740 | $790 | +40% |
| Maine | $765 | $425 | −38% |
| Maryland | $1,415 | $755 | +14% |
| Massachusetts | $1,210 | $590 | −2% |
| Michigan | $1,330 | $765 | +7% |
| Minnesota | $1,000 | $470 | −19% |
| Mississippi | $1,150 | $530 | −7% |
| Missouri | $1,100 | $510 | −11% |
| Montana | $930 | $395 | −25% |
| Nebraska | $940 | $405 | −24% |
| Nevada | $1,535 | $865 | +24% |
| New Hampshire | $860 | $400 | −31% |
| New Jersey | $1,575 | $935 | +27% |
| New Mexico | $1,095 | $520 | −12% |
| New York | $1,740 | $930 | +40% |
| North Carolina | $865 | $450 | −30% |
| North Dakota | $720 | $275 | −42% |
| Ohio | $865 | $405 | −30% |
| Oklahoma | $1,065 | $470 | −14% |
| Oregon | $1,165 | $625 | −6% |
| Pennsylvania | $1,040 | $425 | −16% |
| Rhode Island | $1,550 | $820 | +25% |
| South Carolina | $1,385 | $735 | +12% |
| South Dakota | $855 | $315 | −31% |
| Tennessee | $990 | $450 | −20% |
| Texas | $1,435 | $690 | +16% |
| Utah | $1,170 | $655 | −6% |
| Vermont | $750 | $320 | −40% |
| Virginia | $1,065 | $625 | −14% |
| Washington | $1,120 | $590 | −10% |
| West Virginia | $990 | $435 | −20% |
| Wisconsin | $820 | $370 | −34% |
| Wyoming | $875 | $325 | −29% |
Dodge Ram 1500 insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,690 | $2,450 | $3,415 | $285 |
| Young adult (22) | $980 | $1,425 | $1,990 | $166 |
| Adult in their 30s | $615 | $890 | $1,240 | $103 |
| Adult in their 50s | $565 | $820 | $1,145 | $95 |
| Senior (72) | $690 | $995 | $1,390 | $116 |
| 30s, one at-fault accident | $890 | $1,290 | $1,800 | $150 |
| 30s, DUI on record | $1,135 | $1,645 | $2,300 | $192 |
Dodge Ram 1500 vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Dodge Ram 1500 | $1,240 | — | — | — |
| Toyota Tacoma | $1,375 | 87 | 86 | — |
| Ford F-150 | $1,580 | 92 | 84 | — |
| Tesla Cybertruck | $1,600 | — | — | — |
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Frequently asked questions
How much is insurance for a Dodge Ram 1500?
We estimate about $1,240 a year ($104 a month) for full coverage and $615 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 22% less than the average vehicle.
Which state is cheapest to insure a Dodge Ram 1500?
North Dakota has the lowest estimate (about $720 a year for full coverage) and Florida the highest (about $1,915).
Is the Dodge Ram 1500 cheaper to insure than the Toyota Tacoma?
By our estimate the Dodge Ram 1500 costs about $1,240 a year versus $1,400 for the Toyota Tacoma, making it the cheaper of the two to insure.
How much is Dodge Ram 1500 insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $3,415 a year at national-average rates by our estimate.
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.