Ram 1500 Insurance Cost

Full coverage for a Ram 1500 costs about $1,785 a year ($149/month) by our estimate — ▲ +12% versus the average vehicle, ranking 202nd cheapest of 310 current models.

Ram 1500 exterior (photo from Wikimedia Commons) — Photo: Alexander Migl, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Ram 1500 insurance cost at a glance

Full coverage

$1,785

$149/mo · $1,465–$2,110

Minimum liability

$740

$62/mo

Segment

Pickup truck

Gasoline, Hybrid, Diesel, Flex-fuel

HLDI collision losses

Average (100 = avg)

NHTSA overall

★★★★☆

2026 model year

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 2027 model year. Our vehicle data covers the 2011–2027 model years of the Ram 1500.

Estimated Ram 1500 premium by coverage level (national average rates)
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.	$740	$62	$605–$870
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$1,070	$89	$880–$1,265
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,785	$149	$1,465–$2,110

What drives the cost of insuring a Ram 1500

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Ram 1500's results put our vehicle factor at 1.20× for liability, 0.99× for collision and 1.08× for comprehensive.

HLDI relative insurance losses — Ram 1500 crew cab SWB (Large Pickups)
Coverage	Index	Rating	What it measures
Collision	99	Average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	108	Worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	132	Much worse than average	Damage this car does to other vehicles and property
Bodily injury liability	136	Much worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	110	Worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	103	Average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (10)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Ram 1500 crew cab SWB	99	108	132	136
Ram 1500 quad cab 4WD	86	76	128	101
Ram 1500 crew cab LWB 4WD	94	87	113	102
Ram 1500 crew cab SWB 4WD	98	179	122	105
Ram 1500 quad cab	104	94	172	185
Ram 1500 Classic ext. cab 4WD	94	57	157	—
Ram 1500 crew cab LWB	87	95	136	—
Ram 1500 Classic ext. cab	96	57	163	—
Ram 1500 Classic crew cab SWB	126	71	248	—
Ram 1500 Classic crew cab SWB 4WD	111	71	186	—

Repair and parts costs: Pickup truck — mainstream parts availability keeps repairs moderate.
Safety: 4-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 10 NHTSA recall campaigns and 442 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Ram 1500 trims and configurations (2027)

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.)
1500 2WD	RWD	3.0L 6-cyl Turbo	20
1500 2WD	RWD	3.6L 6-cyl Hybrid	22
1500 2WD	RWD	5.7L 8-cyl	17
1500 2WD	RWD	5.7L 8-cyl Hybrid	19
1500 4WD	4WD	3.0L 6-cyl Turbo	19
1500 4WD	4WD	3.6L 6-cyl Hybrid	21
1500 4WD	4WD	5.7L 8-cyl	17
1500 4WD	4WD	5.7L 8-cyl Hybrid	18
1500 4WD	AWD	6.2L 8-cyl Supercharged	12
1500 HO 4WD	4WD	3.0L 6-cyl Turbo	17
1500 RHO 4WD	4WD	3.0L 6-cyl Turbo	15
1500 Warlock 4WD	4WD	3.6L 6-cyl Hybrid	17

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
2027	3.0L 6-cyl Turbo, 3.6L 6-cyl Hybrid, 5.7L 8-cyl	4WD, AWD, RWD	12–22	$1,785
2026	3.0L 6-cyl Turbo, 3.6L 6-cyl Hybrid, 5.7L 8-cyl Hybrid	4WD, AWD, RWD	12–22	$1,755
2025	3.0L 6-cyl Turbo, 3.6L 6-cyl Hybrid	4WD, RWD	15–23	$1,720
2024	3.6L 6-cyl, 3.6L 6-cyl Hybrid, 5.7L 8-cyl	4WD, RWD	12–23	$1,690
2023	3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl, 3.6L 6-cyl Hybrid	4WD, RWD	12–24	$1,660
2022	3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl, 3.6L 6-cyl Hybrid	4WD, RWD	12–26	$1,625
2021	3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl, 3.6L 6-cyl Hybrid	4WD, RWD	12–26	$1,595
2020	3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl, 3.6L 6-cyl Hybrid	4WD, RWD	17–26	$1,560
2019	3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl, 3.6L 6-cyl Hybrid	4WD, RWD	17–23	$1,530
2018	3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl, 5.7L 8-cyl	4WD, RWD	14–23	$1,495
2017	3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl, 5.7L 8-cyl	4WD, RWD	15–23	$1,465
2016	3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl, 5.7L 8-cyl	4WD, RWD	15–24	$1,435
2015	3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl, 5.7L 8-cyl	4WD, RWD	15–24	$1,430
2014	3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl, 5.7L 8-cyl	4WD, RWD	15–23	$1,430
2013	3.6L 6-cyl, 4.7L 8-cyl, 5.7L 8-cyl	4WD, RWD	15–21	$1,430
2012	3.7L 6-cyl, 4.7L 8-cyl, 5.7L 8-cyl	4WD, RWD	15–16	$1,430
2011	3.7L 6-cyl, 4.7L 8-cyl, 5.7L 8-cyl	4WD, RWD	15–16	$1,430

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, or open the 1500 page for that state.

State	Full coverage	Minimum	vs. national	1500 page
Alabama	$1,545	$575	−13%	1500 in AL
Alaska	$1,555	$750	−13%	1500 in AK
Arizona	$1,880	$795	+5%	1500 in AZ
Arkansas	$1,560	$540	−13%	1500 in AR
California	$1,725	$690	−3%	1500 in CA
Colorado	$2,040	$785	+14%	1500 in CO
Connecticut	$1,905	$855	+7%	1500 in CT
Delaware	$2,015	$965	+13%	1500 in DE
District of Columbia	$2,235	$895	+25%	1500 in DC
Florida	$2,595	$1,300	+45%	1500 in FL
Georgia	$2,235	$1,050	+25%	1500 in GA
Hawaii	$1,215	$525	−32%	1500 in HI
Idaho	$1,210	$485	−32%	1500 in ID
Illinois	$1,540	$600	−14%	1500 in IL
Indiana	$1,265	$485	−29%	1500 in IN
Iowa	$1,205	$375	−32%	1500 in IA
Kansas	$1,425	$485	−20%	1500 in KS
Kentucky	$1,510	$635	−15%	1500 in KY
Louisiana	$2,480	$955	+39%	1500 in LA
Maine	$1,130	$510	−37%	1500 in ME
Maryland	$2,005	$905	+12%	1500 in MD
Massachusetts	$1,745	$715	−2%	1500 in MA
Michigan	$1,930	$920	+8%	1500 in MI
Minnesota	$1,490	$565	−17%	1500 in MN
Mississippi	$1,705	$640	−4%	1500 in MS
Missouri	$1,620	$615	−9%	1500 in MO
Montana	$1,420	$475	−20%	1500 in MT
Nebraska	$1,425	$485	−20%	1500 in NE
Nevada	$2,080	$1,045	+17%	1500 in NV
New Hampshire	$1,260	$485	−29%	1500 in NH
New Jersey	$2,170	$1,125	+22%	1500 in NJ
New Mexico	$1,600	$625	−10%	1500 in NM
New York	$2,415	$1,120	+35%	1500 in NY
North Carolina	$1,310	$540	−27%	1500 in NC
North Dakota	$1,130	$335	−37%	1500 in ND
Ohio	$1,270	$485	−29%	1500 in OH
Oklahoma	$1,600	$570	−10%	1500 in OK
Oregon	$1,620	$755	−9%	1500 in OR
Pennsylvania	$1,545	$510	−13%	1500 in PA
Rhode Island	$2,165	$990	+21%	1500 in RI
South Carolina	$1,930	$880	+8%	1500 in SC
South Dakota	$1,360	$380	−24%	1500 in SD
Tennessee	$1,470	$545	−18%	1500 in TN
Texas	$2,115	$835	+18%	1500 in TX
Utah	$1,630	$785	−9%	1500 in UT
Vermont	$1,140	$385	−36%	1500 in VT
Virginia	$1,535	$755	−14%	1500 in VA
Washington	$1,565	$710	−12%	1500 in WA
West Virginia	$1,485	$525	−17%	1500 in WV
Wisconsin	$1,220	$450	−32%	1500 in WI
Wyoming	$1,390	$390	−22%	1500 in WY

Ram 1500 insurance by driver profile

Estimated annual Ram 1500 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$2,035	$2,945	$4,910	$409
Young adult (22)	$1,185	$1,715	$2,860	$238
Adult in their 30s	$740	$1,070	$1,785	$149
Adult in their 50s	$680	$985	$1,645	$137
Senior (72)	$830	$1,200	$2,000	$167
30s, one at-fault accident	$1,070	$1,555	$2,590	$216
30s, DUI on record	$1,365	$1,985	$3,305	$275

Ram 1500 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Ram 1500	$1,785	99	108	—
Ford F-150	$1,580	92	84	Compare
Chevrolet Silverado 1500	$1,725	94	90	Compare
GMC Sierra 1500	$1,605	87	121	Compare

Estimate Ram 1500 insurance for your ZIP code

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Estimated annual premium

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Other Ram models

ProMaster City $1,400/yr
C/V $1,220/yr

All Ram insurance costs →

Frequently asked questions

How much is insurance for a Ram 1500?

We estimate about $1,785 a year ($149 a month) for full coverage and $740 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 12% more than the average vehicle.

Is the Ram 1500 expensive to insure?

HLDI insurance-loss data rates it at 99 for collision and 108 for comprehensive losses (100 = average of all vehicles), meaning collision losses are average.

Which state is cheapest to insure a Ram 1500?

Maine has the lowest estimate (about $1,130 a year for full coverage) and Florida the highest (about $2,595).

What is the Ram 1500's NHTSA safety rating?

The 2026 Ram 1500 earned 4 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Ram 1500 cheaper to insure than the Ford F-150?

By our estimate the Ram 1500 costs about $1,785 a year versus $1,610 for the Ford F-150, making the Ford F-150 cheaper to insure.

How much is Ram 1500 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,910 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.

Sources used on this page