+120 more*These quotes are from Compare.com users within the last 10 days. Updated on May 6, 2026
*These quotes are from Compare.com users within the last 10 days. Updated on May 6, 2026
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Updated
Liability coverage for the Ram 1500 costs an average of $121 per month. Full coverage averages $213 per month.
USAA, State Farm, and Allstate offer the cheapest Ram 1500 rates.
Washington, D.C., has the highest average Ram 1500 car insurance rates, at $275 per month. New Hampshire and North Carolina have the lowest, at $77 per month.
The overall average Dodge Ram 1500 car insurance cost is $167 per month. But rates vary depending on many factors, including your truck’s model year and the type of policy you choose.
Liability coverage, which most states require, is usually the cheapest auto insurance you can buy. It covers your financial responsibilities for bodily injury or property damage you cause in an accident.[1]
Full-coverage car insurance is more expensive, but it protects you and your vehicle. It includes collision insurance, which helps pay to repair your car after an at-fault accident. It also includes comprehensive insurance that covers damage from things like weather, theft, and vandalism.
The table below shows the average premiums for the Dodge Ram 1500 and how they compare to the average rate for all vehicles, according to Compare.com data.
Vehicle  | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Dodge Ram 1500 | $121 | $213 | $167 |
| All vehicles | $114 | $207 | $162 |
Average rates for the Ram 1500 are slightly higher than the average rates for all vehicle makes and models. The average liability-only car insurance premium for the Ram 1500 is $121 per month. That’s slightly more expensive than the average for all vehicles of $114 per month.
In addition to the policy you choose, many other factors affect car insurance premiums, like your age and driving history.
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The average cost of car insurance varies by insurance company, even for the same vehicle. Insurers weigh risk factors differently, which affects premiums.[2] The table below shows the cheapest car insurance companies for the Dodge Ram 1500, based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $88 |
| State Farm | $97 |
| Allstate | $124 |
| American Family | $132 |
| GEICO | $136 |
| CSAA | $149 |
| Nationwide | $160 |
| Progressive | $164 |
| Travelers | $167 |
| Farmers | $190 |
| User Reviews | 4.4 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA has the lowest average car insurance rates for the Dodge Ram 1500, according to Compare.com data. The company also offers a wide selection of car insurance discounts that could further reduce your premium. But USAA insures only military personnel and their immediate family members.
Cheapest average rates for the Ram 1500
Wide variety of discounts
Insures only military members and their families
Few optional coverages available
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm has more than 19,000 agents in nearly every state, making it a great option for Dodge Ram 1500 drivers who prefer in-person customer service. In addition to low rates, State Farm also offers many discounts for extra savings, including multiple discounts for young drivers.
Large network of local agents
Many discounts available
Not available in Massachusetts or Rhode Island
Doesn’t offer as many coverage options as some competitors
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.0 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate has below-average premiums for the Dodge Ram 1500. The company also has various discounts to reduce your premium even more. Allstate even offers perks for customers, like car-buying services and vehicle protection plans.
Affordable rates
Unique customer benefits
Below-average claims satisfaction rating
Low-mileage discount not available
The model year of your Ram 1500 can affect your auto insurance costs. Older vehicles depreciate and are less valuable, so they usually cost less to insure than newer models.[3]
For example, the average monthly rate for a 2015 Dodge Ram 1500 is $163 per month, which is much lower than the $185 average monthly rate for a 2020 model.
Below, check out how Dodge Ram 1500 insurance costs vary by model year, according to Compare.com data.
Ram 1500 Model Year | Average Monthly Premium |
|---|---|
| 2026 | $200 |
| 2025 | $202 |
| 2024 | $202 |
| 2023 | $201 |
| 2022 | $201 |
| 2021 | $194 |
| 2020 | $185 |
| 2019 | $182 |
| 2018 | $175 |
| 2017 | $172 |
| 2016 | $167 |
| 2015 | $163 |
| 2014 | $161 |
| 2013 | $153 |
Company | Average Monthly Premium |
|---|---|
| USAA | $106 |
| State Farm | $116 |
| Allstate | $149 |
| American Family | $158 |
| GEICO | $163 |
Company | Average Monthly Premium |
|---|---|
| USAA | $106 |
| State Farm | $117 |
| Allstate | $150 |
| American Family | $159 |
| GEICO | $164 |
Company | Average Monthly Premium |
|---|---|
| USAA | $106 |
| State Farm | $117 |
| Allstate | $150 |
| American Family | $159 |
| GEICO | $164 |
Company | Average Monthly Premium |
|---|---|
| USAA | $106 |
| State Farm | $117 |
| Allstate | $149 |
| American Family | $159 |
| GEICO | $164 |
Company | Average Monthly Premium |
|---|---|
| USAA | $106 |
| State Farm | $117 |
| Allstate | $149 |
| American Family | $159 |
| GEICO | $164 |
Company | Average Monthly Premium |
|---|---|
| USAA | $102 |
| State Farm | $113 |
| Allstate | $144 |
| American Family | $154 |
| GEICO | $158 |
Company | Average Monthly Premium |
|---|---|
| USAA | $98 |
| State Farm | $108 |
| Allstate | $138 |
| American Family | $147 |
| GEICO | $151 |
Company | Average Monthly Premium |
|---|---|
| USAA | $96 |
| State Farm | $106 |
| Allstate | $135 |
| American Family | $144 |
| GEICO | $148 |
Company | Average Monthly Premium |
|---|---|
| USAA | $92 |
| State Farm | $102 |
| Allstate | $130 |
| American Family | $138 |
| GEICO | $142 |
Company | Average Monthly Premium |
|---|---|
| USAA | $91 |
| State Farm | $100 |
| Allstate | $128 |
| American Family | $136 |
| GEICO | $140 |
Company | Average Monthly Premium |
|---|---|
| USAA | $88 |
| State Farm | $97 |
| Allstate | $124 |
| American Family | $132 |
| GEICO | $136 |
Company | Average Monthly Premium |
|---|---|
| USAA | $86 |
| State Farm | $95 |
| Allstate | $121 |
| American Family | $129 |
| GEICO | $133 |
Where you live can significantly affect the cost of your Dodge Ram 1500 car insurance. Insurers consider location-specific factors when calculating premiums, like the number of claims and repair costs in the area.
Check out the map below for the average Dodge Ram 1500 car insurance premium across states, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $138 |
| Arizona | $147 |
| Arkansas | $159 |
| California | $179 |
| Colorado | $179 |
| Connecticut | $249 |
| Delaware | $208 |
| Florida | $194 |
| Georgia | $223 |
| Hawaii | $110 |
| Idaho | $92 |
| Illinois | $138 |
| Indiana | $114 |
| Iowa | $94 |
| Kansas | $130 |
| Kentucky | $173 |
| Louisiana | $187 |
| Maine | $122 |
| Maryland | $265 |
| Massachusetts | $132 |
| Michigan | $201 |
| Minnesota | $152 |
| Mississippi | $132 |
| Missouri | $159 |
| Montana | $130 |
| Nebraska | $126 |
| Nevada | $221 |
| New Hampshire | $77 |
| New Jersey | $235 |
| New Mexico | $127 |
| New York | $192 |
| North Carolina | $77 |
| North Dakota | $102 |
| Ohio | $108 |
| Oklahoma | $150 |
| Oregon | $133 |
| Pennsylvania | $141 |
| Rhode Island | $192 |
| South Carolina | $214 |
| South Dakota | $121 |
| Tennessee | $124 |
| Texas | $191 |
| Utah | $131 |
| Vermont | $125 |
| Virginia | $156 |
| Washington | $148 |
| District of Columbia | $275 |
| West Virginia | $129 |
| Wisconsin | $106 |
| Wyoming | $98 |
Your age is one of the biggest factors that influence the cost of auto insurance. Teens usually pay the highest rates. Young drivers lack experience and are more likely to cause accidents. Adults and seniors usually pay cheaper rates, assuming they maintain a clean driving record.
The table below shows average Dodge Ram 1500 insurance premiums by age group, based on Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $321 |
| Adults | $167 |
| Seniors | $144 |
As the data shows, the average car insurance cost for teens is $321 per month. That’s 92% higher than the average for adults.
Dodge Ram 1500 insurance premiums are generally the highest for teens and young drivers. Drivers aged 16 to 19 cause more accidents than any other age group, according to the Centers for Disease Control and Prevention.[4]
While young drivers generally pay the highest car insurance premiums, some insurance companies offer lower rates than others. The following table shows the cheapest Dodge Ram 1500 car insurance companies for young drivers, according to Compare.com data.
Category | Price |
|---|---|
| USAA | $141 |
| State Farm | $155 |
| Allstate | $198 |
| American Family | $211 |
| GEICO | $218 |
Seniors often pay some of the lowest Dodge Ram 1500 car insurance premiums. Older drivers tend to have fewer accidents and drive less frequently than other age groups. In 2023, only 9% of drivers aged 65 to 74 were involved in fatal crashes, compared to 21% of drivers aged 25 to 34, according to the National Safety Council.[5]
While many seniors pay below-average premiums, car insurance costs vary by insurance company. Below, you’ll find the cheapest Dodge Ram 1500 car insurance companies for seniors, based on Compare.com data.
Category | Price |
|---|---|
| USAA | $75 |
| State Farm | $82 |
| Allstate | $105 |
| American Family | $112 |
| GEICO | $116 |
Your driving record can significantly affect your car insurance rates. Insurers consider drivers with incidents on their records as riskier to insure because they’re more likely to file future claims.
For example, drivers with a speeding ticket pay an average of 29% more than drivers with a clean record, according to Compare.com data. But the actual rate increase depends on the specific infraction, your location, your insurance company, and other factors.
The table below shows average Dodge Ram 1500 car insurance premiums by driving record, based on our data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $167 |
| Speeding ticket | $224 |
| At-fault accident | $239 |
| DUI | $281 |
For Ram 1500 drivers, car insurance rates increase substantially after an accident or a driving under the influence (DUI) conviction. The average premium for a Ram 1500 driver with a DUI is $281 per month, much higher than the average rate for someone with a clean record.
Drivers who have a speeding ticket on their record often pay higher car insurance rates. Speeding indicates risky driving, so insurance companies charge higher premiums in case you have to file a future claim.
But while premiums usually increase after a speeding ticket, the actual rate increase depends on how fast you were driving and where the violation occurred. For instance, your rate could jump more if you were speeding in a school zone.
If you have a speeding ticket on your record, you can find cheaper insurance by comparing rates from multiple companies. The table below shows average monthly insurance premiums for Dodge Ram 1500 drivers with a speeding ticket, according to our data.
Category | Price |
|---|---|
| USAA | $113 |
| State Farm | $121 |
| Allstate | $161 |
| American Family | $172 |
| CSAA | $182 |
If you cause an accident, you can expect your auto insurance premium to increase when your policy renews. Your insurance company will usually raise your premium to cover the risk of you filing another claim.
But the actual effect on your premium can vary. Some car insurance companies weigh accidents less than others when calculating rates. This table shows the cheapest insurance companies for Dodge Ram 1500 drivers with an at-fault accident on their record, according to our data.
Category | Price |
|---|---|
| USAA | $115 |
| State Farm | $124 |
| Allstate | $161 |
| GEICO | $164 |
| American Family | $172 |
A DUI is one of the most serious violations you can have on your driving record. A DUI conviction indicates that you put yourself and other drivers in danger, which insurance companies take seriously. Because of that, DUIs often have the biggest effect on car insurance rates.
While your rate likely will increase significantly after a DUI, you might find cheaper insurance by switching to a company specializing in non-standard auto insurance. You can also compare rates to find the insurer that offers the lowest premium.
The table below shows the cheapest insurance rates for Dodge Ram 1500 drivers with a DUI, according to Compare.com data.
Category | Price |
|---|---|
| USAA | $129 |
| State Farm | $142 |
| Allstate | $181 |
| GEICO | $186 |
| American Family | $193 |
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Many factors can affect Dodge Ram 1500 car insurance rates, including:
Vehicle value: The 2026 Dodge Ram 1500 starts at $42,370 and offers a 5.7-liter V8 engine for more expensive trims.[6] It has a slightly higher value than many other top-rated full-size pickup trucks, which could mean more expensive car insurance premiums.
Repair costs: Dodge Ram 1500 trucks are generally reliable, which can lead to lower insurance premiums. The less your insurer has to pay out to repair or replace your vehicle, the cheaper your rates will be.
Safety features: The Dodge Ram 1500 doesn’t have the best safety ratings. The 2025 model received mixed safety ratings from the Insurance Institute for Highway Safety.[7] Insurers charge higher rates for less safe vehicles because they’re more likely to cause serious injuries and damage.
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Dodge Ram 1500 car insurance can be expensive, but you have plenty of ways to reduce your premium. Here are some tips for saving money on your Ram 1500 insurance:
Increase your deductible. You can typically lower your collision and comprehensive car insurance premiums by raising your deductible. Just make sure you can afford the higher costs if you file a claim.[8]
Bundle your policies. Most insurance companies offer discounts for bundling your auto insurance with another policy, like homeowners, renters, or life insurance.[9]
Look for discounts. Many of the best car insurance companies offer discounts that can lower your premium. Discounts vary by insurer, but you can often save by insuring multiple vehicles, paying your premium in full, and being a safe driver.
Shop around. The cost of Ram 1500 car insurance depends on many factors, including your insurance company. Shopping around and comparing car insurance quotes can help you find the cheapest insurance for your situation.
Compare quotes and get the coverage you need for your truck.
If you still have questions about Dodge Ram 1500 car insurance, we’re here to help. Below, we answered some common questions about Ram 1500 auto coverage.
Yes. The Dodge Ram 1500 is a little more expensive to insure than the average for all vehicles, according to Compare.com data. The overall average premium for a Dodge Ram 1500 is $167 per month, compared to the overall average for all vehicles of $162 per month.
USAA is the cheapest insurance company for Dodge Ram 1500 car insurance, according to Compare.com data. The average USAA car insurance premium for the Dodge Ram 1500 is $88 per month.
The average car insurance premium for a 2026 Dodge Ram 1500 is $200 per month. But your rate can vary based on your location, age, driving history, and insurance company.
The Dodge Caravan is the cheapest Dodge model to insure. Insurance for the Caravan costs an average of $102 per month, according to Compare.com data. Older vehicles typically cost less to insure because they’re not worth as much as newer cars.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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