Ram 1500 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Ram 1500 is more expensive to insure compared to the average truck.
• Liability only car insurance prices for a 1500 run around $89 per month, while full coverage normally tends to be about $170 a month.
• The cheapest insurance company for a 1500 is United Absolute.

1500 Overview

With a base price of just $29,515 for 2022 models, the Ram 1500 is a great budget-friendly option for any driver. There are eight different trim levels currently offered, so there's a style for every driver.

We combed through thousands of auto insurance quotes on Compare.com, and we've found that average Ram 1500 insurance premiums run around $166 per month. Compared to other vehicles in the market, how do 1500 auto insurance rates stack up?

How Much is Car Insurance for a Ram 1500?

You can see in the table above that compared to other vehicles on the road, Ram 1500 insurance prices are about average. On average, 1500 owners can expect to pay around $89 a month for liability insurance, and about $170 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

When you compare it to other Ram models, the 1500's insurance premium is in line with the rest of the manufacturer's vehicle offerings. However, 1500 coverage is higher than average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging more expensive premiums than other trucks.

Compared to all vehicles of any body type, car insurance rates for both full coverage and liability only policies run higher than average.

Who has the Cheapest Car Insurance for a Ram 1500?

If you're in the market for a car insurance policy for a Ram 1500, you're probably most interested in which carrier offers the lowest premiums. Although costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $23 per month from NYCM. The runner up for most affordable rates is Verti, with insurance policies starting sometimes as low as $37 per month.

The third, fourth, and fifth carriers on the list are Hallmark, Workmens, and Aspire. That being said, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, auto insurance carriers look at a whole range of variables when calculating rates, so your results might be different. Because every driver is different, there's only one way to ensure you get the lowest prices, and that's by getting personalized quotes and comparing rates from a whole range of car insurance companies.

What Factors Affect Car Insurance Rates for a Ram 1500?

There are a multitude of variables that insurance carriers take into account to determine how much they charge -- and each company uses a different algorithm, so there's not one single carrier that's the most affordable for every 1500 driver.

Below are just a few of the factors car insurance companies look at and how each one affects your final rate:

Vehicle Age

Ram has been making the 1500 for quite some time, so the car's age may play a big role in how much you'll pay for auto insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as time goes on and 1500s begin to depreciate, insurance costs will gradually go down.

Based on the information in the table above, the Ram 1500 is not quite in line with this trend, as the most expensive models to insure are those that are 8 to 10 years old, while on average, the cheapest 1500s are 1 year old or less.

Your Age

How old you are makes a significant difference in how much you pay for insurance. As you can see in the table above, young drivers pay more compared to drivers with more experience. In this case, drivers aged between 18 and 24 pay $38 more than those 25 or older.

Auto insurance prices continue to go lower as you get older, with the cheapest age group for 1500 drivers being 65 years and older.

Your Gender

Did you know men tend to pay more for car insurance than women? This is because women are less likely to get into collisions and get tickets, which lowers the chances of an insurance claim. The Ram 1500 sticks to the norm, where men pay around 23% more than women monthly for auto insurance.

Where You Live

You may think it's obvious that things like how old you are and what vehicle you drive play a role in your car insurance premiums, but did you know that where you live can be just as important? Insurance is regulated on a state-by-state basis, so prices can vary quite a bit depending on what state you live in.

For example, the average Ram 1500 owner in New York pays about $162 a month for liability coverage. Meanwhile, on average, the same driver in California will pay less than half of that price. The chart above shows average rates for the 10 largest states by population, just to give you a good idea of how much prices can change depending on where you live.

Ram 1500 Car Insurance Discounts

Regardless of which car you drive, what state you call home, or how old you are, it's always in your best interest to take advantage of as many insurance discounts as possible.

While no two auto insurance carriers offer the same exact discounts, there are a few different ones that you'll find with most companies. These include things like:

• Pay-in-full discounts for choosing to pay your entire policy price up front, rather than in monthly installments
• Multi-policy discounts for bundling your home and auto policies with the same company
• Multi-car discounts for having several vehicles on your auto policy
• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution

But these aren't the only discounts insurance carriers offer to their customers. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

While you may not be able to control every factor auto insurance carriers consider to calculate rates (like some of the ones mentioned above), you can control some of them. Below are just a few of the factors you can use to your advantage when it comes to saving cash:

Your Driving Record

You've almost certainly seen ads from car insurance companies promoting big discounts for responsible drivers. It checks out that your auto insurance premiums will go higher if you get a ticket for speeding or get into a collision. But how much will they cost you?

As you can tell from the table above, accidents will usually cost 1500 drivers more than tickets, but both will result in higher than average rates. Ram 1500 drivers with a single accident on their record pay about $127 a month (up $38 from the $89/mo. overall average), while drivers with one ticket will pay an average of $121 monthly. Those with multiple kinds of either violation will end up paying even more.

How Much You Drive

Another variable you have control over is how much you drive each year. Those who drive less often have fewer opportunities to get into an accident, so they'll generally be offered less expensive rates. Above, you can see that Ram 1500 owners who drive between 2,500 and 5,000 miles pay $113 for insurance, while those who drive between 5,000 and 7,500 miles every year pay an average of $78 a month.

But if you don't use your Ram 1500 that often, it may be worth reviewing pay-per-mile or usage-based car insurance. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

How Do Ram 1500s Compare to Other Vehicles?

If you're thinking about making a Ram 1500 your next vehicle, you might want to know how it compares to other vehicles. Car insurance is just one cost that comes with a new car purchase, but it's definitely one that's worth considering carefully.

Review the table below to see how the Ram 1500 stacks up:

Overall, the Ram 1500 is a great value for any budget, with an MSRP that's a third less than the going rate for a new vehicle. The 1500 comes in at $29,515, which is much cheaper than the national average vehicle MSRP of $46,192.

Liability insurance for a Ram 1500 is, while full coverage is more than $30 less per month.

When it comes to usage, Ram 1500 drivers are near the national average in annual miles driven, with 11,926 miles each year compared to 11,617 for all vehicles.

Ram 1500 Car Insurance Costs by Model Year

We've walked through many of the variables that can have an impact on what you'll pay for auto insurance. But if you're in thinking about buying a new car, truck, or SUV and the 1500 is on your wishlist, having a good idea of exactly what you'll pay can be extremely valuable as you weigh your choices.

2021 Ram 1500 Car Insurance

It costs around $83 monthly for liability or $165 for a full coverage policy for the 2021 Ram 1500.

Mile Auto has premiums as little as $33 a month for the 2021 Ram 1500.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

2020 Ram 1500 Car Insurance

You can expect full coverage for a 2020 1500 to run about $187 per month, while liability only coverage will average around $89 monthly.

If you're looking for the most affordable 2020 Ram 1500 insurance policy, Dairyland offered the cheapest policy we found, with rates as low as $22 per month.

Interested in just how much you'll pay? Get a variety of free personalized quotes by just entering your ZIP code below.

2019 Ram 1500 Car Insurance

2019 Ram 1500 drivers can expect to pay an average of $94 a month for liability or $194 for full coverage.

With rates as cheap as just $23 monthly, NYCM offered the most affordable policy we found for the 2019 Ram 1500.

If you want to find the best premiums for insurance for a 2019 Ram 1500, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2018 Ram 1500 Car Insurance

On average, drivers who own a 2018 1500 can expect to pay $118 to $179 per month for liability only and full coverage car insurance, respectively.

Looking for the lowest policy? Safeco offered liability only coverage for as low as just $19 a month.

Interested in what your insurance rate could look like? Just enter your ZIP code below to get lots of free personalized quotes.

2017 Ram 1500 Car Insurance

The average cost to insure a 2017 Ram 1500 with liability only coverage is $87 per month, while full coverage runs about $167 monthly.

With prices sometimes as little as $18 a month, Infinity offered the cheapest policy we found.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

2016 Ram 1500 Car Insurance

On average, drivers who own a 2016 1500 can expect to pay $80 to $170 monthly for liability only and full coverage auto insurance, respectively.

We found Clearcover offered the most affordable policy, with rates as cheap as $19 a month.

If you want to find the best premiums for insurance for a 2016 Ram 1500, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2015 Ram 1500 Car Insurance

It costs around $76 per month for liability or $156 for a full coverage policy for the 2015 Ram 1500.

MetLife offered the cheapest policy we found, with rates as little as just $18 a month.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

2014 Ram 1500 Car Insurance

2014 1500 drivers can expect to pay an average of $90 monthly for liability or $168 for full coverage.

Looking for the lowest policy? MetLife offered liability only coverage for sometimes as cheap as $17 per month.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get multiple customized quotes for free.

2013 Ram 1500 Car Insurance

The average cost to insure a 2013 Ram 1500 with liability only coverage is $90 a month, while full coverage runs about $166 per month.

Clearcover has prices as cheap as $17 monthly for the 2013 Ram 1500.

If you want to know exactly how much you can expect to pay for your 1500, just enter your ZIP code below and get several free quotes in minutes.

Ram 1500 Insurance FAQs

Is a Ram 1500 expensive to insure?

When compared to the national average of all trucks, rates come in on the more expensive end of the spectrum. Liability insurance runs an average of $89 per month, while full coverage will cost you around $170.

How can I get the best price on car insurance for my Ram 1500?

The only way to ensure you're getting the most affordable price on car insurance is to check prices regularly and compare quotes from lots of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from many companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Ram 1500 affect my insurance premiums?

Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's simply not true. Even though there are several things auto insurance carriers look at when they calculate how much you'll pay, your car's color is not on that list.

Do I need to have insurance before I buy a Ram 1500?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have a car insurance policy in place. As part of the buying process, some dealerships may offer you an auto insurance policy, but the best thing to do when buying a a new truck is to talk with your car insurance carrier before you buy.

What car insurance discounts can I get for my Ram 1500?

You will find a lot of different discounts out there for auto insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are more based on you than the Ram 1500 you drive, but if your 1500 has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. The best way to find out is to get in touch with your insurance company and ask about their discounts, since they change quite a bit from carrier to carrier.