Ram Insurance Cost
Across 1 current Ram models, full coverage averages about $1,785 a year by our estimate — +12% versus the average vehicle ($1,590).
Ram insurance profile
Ram’s lineup is made up mostly of 1 pickup truck. HLDI collision losses for its models average 99 (100 = all-vehicle average).
Every Ram model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| 1500 | Pickup truck | 2011–2027 | 99 | $1,785 | +12% |
Older and discontinued Ram models
- ProMaster City 2015–2022
- C/V 2012–2015
What makes Ram insurance cost more or less
- Claims history: HLDI collision indices across 1 models range from 99 to 99, so the model you pick matters as much as the brand.
- Segment mix: 1 pickup truck.
Average Ram insurance cost by state
Average full-coverage estimate across current Ram models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $1,130 | −37% |
| North Dakota | $1,130 | −37% |
| Vermont | $1,140 | −36% |
| Iowa | $1,205 | −32% |
| Idaho | $1,210 | −32% |
| Hawaii | $1,215 | −32% |
| Wisconsin | $1,220 | −32% |
| New Hampshire | $1,260 | −29% |
| Indiana | $1,265 | −29% |
| Ohio | $1,270 | −29% |
| North Carolina | $1,310 | −27% |
| South Dakota | $1,360 | −24% |
| Wyoming | $1,390 | −22% |
| Montana | $1,420 | −20% |
| Kansas | $1,425 | −20% |
| Nebraska | $1,425 | −20% |
| Tennessee | $1,470 | −18% |
| West Virginia | $1,485 | −17% |
| Minnesota | $1,490 | −17% |
| Kentucky | $1,510 | −15% |
| Virginia | $1,535 | −14% |
| Illinois | $1,540 | −14% |
| Alabama | $1,545 | −13% |
| Pennsylvania | $1,545 | −13% |
| Alaska | $1,555 | −13% |
| Arkansas | $1,560 | −13% |
| Washington | $1,565 | −12% |
| New Mexico | $1,600 | −10% |
| Oklahoma | $1,600 | −10% |
| Missouri | $1,620 | −9% |
| Oregon | $1,620 | −9% |
| Utah | $1,630 | −9% |
| Mississippi | $1,705 | −4% |
| California | $1,725 | −3% |
| Massachusetts | $1,745 | −2% |
| Arizona | $1,880 | +5% |
| Connecticut | $1,905 | +7% |
| Michigan | $1,930 | +8% |
| South Carolina | $1,930 | +8% |
| Maryland | $2,005 | +12% |
| Delaware | $2,015 | +13% |
| Colorado | $2,040 | +14% |
| Nevada | $2,080 | +17% |
| Texas | $2,115 | +18% |
| Rhode Island | $2,165 | +21% |
| New Jersey | $2,170 | +22% |
| District of Columbia | $2,235 | +25% |
| Georgia | $2,235 | +25% |
| New York | $2,415 | +35% |
| Louisiana | $2,480 | +39% |
| Florida | $2,595 | +45% |
Frequently asked questions
How much does it cost to insure a Ram?
Across 1 current Ram models, our full-coverage estimate averages $1,785 a year for a driver in their 30s with a clean record, 12% more than the average vehicle ($1,590).
What is the cheapest Ram to insure?
The Ram 1500 has the lowest estimate at about $1,785 a year for full coverage; the Ram 1500 is the most expensive at about $1,785.
Are Ram repairs expensive for insurers?
HLDI collision-loss data for 1 Ram models averages 99 (100 = average of all vehicles), which is average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Ram?
By our estimates, Maine is the cheapest state (about $1,130 a year on average across current models) and Florida the most expensive (about $2,595).
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.