Estimates, not quotes

Ram 1500 Insurance Cost in Washington, D.C.

Insuring a Ram 1500 in Washington, D.C. costs about $2,235 a year ($186/month) for full coverage by our estimate — +25% versus the same car nationally — the 5th most expensive of 51 states for this model.

Ram 1500 (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 in Washington, D.C. at a glance

Full coverage
$2,235
$1,835–$2,640
25/50/10 minimum
$895
$74/mo
Same car nationally
$1,785
full coverage
Avg. car in DC
$2,005
+11% for the 1500

The Ram 1500 is 11% more expensive than the average vehicle to insure in Washington, D.C., reflecting HLDI collision losses of 99 and comprehensive losses of 108 (100 = average). Washington, D.C.'s own base rates are 31% higher than the national average, which carries through to every model.

Washington, D.C. factors that affect 1500 premiums

  • Uninsured drivers: 23.1% of Washington, D.C. drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your 1500.
  • Theft: 674 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Washington, D.C.'s expected annual losses as very low for hail, relatively low for tornado, relatively low for hurricane, relatively low for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.33 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Washington, D.C. →

Ram 1500 insurance cost in Washington, D.C. cities

CityFull coverageMinimumvs. state
Washington$2,235$8950%

Ram 1500 insurance in Washington, D.C. by driver

Estimated annual Ram 1500 premium in Washington, D.C.
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $2,460 $3,565 $6,150 $513
Young adult (22) $1,430 $2,075 $3,575 $298
Adult in their 30s $895 $1,295 $2,235 $186
Adult in their 50s $820 $1,190 $2,055 $171
Senior (72) $1,000 $1,450 $2,505 $209
30s, one at-fault accident $1,295 $1,880 $3,240 $270
30s, DUI on record $1,655 $2,395 $4,135 $345

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $895 $74 $735–$1,055
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $1,295 $108 $1,065–$1,530
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $2,235 $186 $1,835–$2,640

Washington, D.C. minimum: 25/50/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Washington, D.C.

ModelFull coverage in DCvs. 1500
Ford F-150$2,020−10%
Chevrolet Silverado 1500$2,195−2%
GMC Sierra 1500$2,040−9%
Toyota Tacoma$1,765−21%

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Ram 1500 insurance cost in every state · All Ram models

Frequently asked questions

How much is Ram 1500 insurance in Washington, D.C.?

About $2,235 a year ($186 a month) for full coverage and $895 for Washington, D.C.'s minimum liability, for a driver in their 30s with a clean record. That is 25% more than the national estimate for the same car.

Is the Ram 1500 cheaper to insure than the average car in Washington, D.C.?

The average vehicle in Washington, D.C. is about $2,005 a year for full coverage in our model, so the Ram 1500 is 11% more expensive than average.

Where in Washington, D.C. is Ram 1500 insurance cheapest?

Among the largest Washington, D.C. cities, Washington has the lowest estimate (about $2,235) and Washington the highest (about $2,235).

What insurance do I need for a Ram 1500 in Washington, D.C.?

Washington, D.C. requires at least 25/50/10 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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