Dodge Ram 1500 Car Insurance Quotes (2025)
Insurance for a Ram 1500 costs an average of $155 per month, which is cheaper than competitor models.
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Written byMiranda Marquit
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Co-hosts the Money Talks News podcast
MBA from Utah State University
Miranda is a financial writer and avid podcaster with nearly two decades of experience contributing to major outlets, including Forbes, The Hill, and NPR.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
A Ram 1500 costs $108 per month for liability coverage and $202 for full coverage, on average. This is cheaper than the national averages of $177 per month for full coverage and $100 for liability coverage.
Although commonly known as Dodge RAM, the two brands separated in 2009, with Ram focusing on trucks and Dodge focusing on other vehicles. But they’re still owned by the same parent brand, Chrysler.
The Ram series was the third-best-selling pickup truck in the U.S. in 2024, behind the Ford F-Series and the Chevrolet Silverado.[1] But its insurance rates are slightly more expensive than the Ford F-Series and the Silverado. The manufacturer’s suggested retail price (MSRP) for a 2025 Ram 1500 ranges from $43,025 to $87,075, depending on the trim level.
Here’s what you need to know about finding affordable coverage for your Ram 1500.
Quick Facts
Edmunds ranks the Ram 1500 as the second-best large truck behind the Ford F-150.
USAA, GEICO, and State Farm offer the cheapest insurance rates for the Ram 1500.
The 2016 Ram 1500 is the cheapest to insure, and the 2025 Ram 1500 is the most expensive.
Cost of Dodge Ram 1500 insurance by model year
The average premium for a Dodge Ram 1500 is $108 per month for liability coverage and $202 per month for full coverage. USAA offers the lowest rate, at $50 per month for liability insurance and $103 per month for full coverage. If you don’t meet membership requirements for USAA, the next cheapest rates are through GEICO, at $45 per month for liability coverage and $97 per month for full coverage.
The model year influences the cost of insurance, and the table below includes average rates for Ram 1500s by year.
Model Year  | Average Monthly Quote |
|---|---|
| 2025 | $199 |
| 2024 | $192 |
| 2023 | $192 |
| 2022 | $183 |
| 2021 | $174 |
| 2020 | $170 |
| 2019 | $167 |
| 2018 | $162 |
| 2017 | $159 |
| 2016 | $155 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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The MSRP for a 2025 Ram 1500 starts at $40,275.[2] But some higher trims cost more than $80,000.
The table below shows average monthly rates from the best insurance companies. But your cost might vary based on your ZIP code, gender, age, driving record, and other factors.
Insurance CompanyAverage Monthly QuoteUSAA $99 State Farm $118 Allstate $131 GEICO $146 American Family $151 Progressive $176 Nationwide $182 Travelers $192 Farmers $230 Liberty Mutual $290 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2024 Ram 1500 has an MSRP of $39,420 for a base trim level.[3] The cheapest insurer for 2024 models is USAA, but you have other affordable options, as shown in the table below.
Insurance CompanyAverage Monthly QuoteUSAA $95 State Farm $114 Allstate $127 GEICO $141 American Family $146 Progressive $170 Nationwide $176 Travelers $186 Farmers $223 Liberty Mutual $280 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The current MSRP for a 2023 Ram 1500 starts at $30,990, but it increases to over $90,000 depending on the trim and cab. Drivers pay a little less for insurance for this model year than for more recent models, as shown in the table below.
Insurance CompanyAverage Monthly QuoteUSAA $95 State Farm $114 Allstate $127 GEICO $141 American Family $146 Progressive $170 Nationwide $176 Travelers $186 Farmers $223 Liberty Mutual $280 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Based on the different packages available, the 2022 Ram 1500 can cost between $26,983 and more than $84,000. The table below shows the average rates for the 2022 model.
Insurance CompanyAverage Monthly QuoteUSAA $91 State Farm $109 Allstate $121 GEICO $134 American Family $139 Progressive $162 Nationwide $168 Travelers $177 Farmers $213 Liberty Mutual $268 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
When shopping for a 2021 Dodge Ram 1500, you might pay between $23,998 and $81,990 based on the safety features, trim level, cab, and other factors. The table below can help you compare the average pickup truck insurance cost from various insurance companies.
Insurance CompanyAverage Monthly QuoteUSAA $87 State Farm $103 Allstate $115 GEICO $128 American Family $133 Progressive $154 Nationwide $160 Travelers $168 Farmers $202 Liberty Mutual $254 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2020 Dodge Ram 1500 starts at $20,814, although it could cost much more depending on the chosen trim level. If you buy a used Ram, you can use the table below to see how much you might pay for coverage.
Insurance CompanyAverage Monthly QuoteUSAA $85 State Farm $101 Allstate $112 GEICO $125 American Family $129 Progressive $150 Nationwide $155 Travelers $164 Farmers $197 Liberty Mutual $248 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2019 Ram 1500 has a more affordable MSRP of $19,567 for the lowest trim level. Use the chart below to compare the average 2019 Ram 1500 insurance costs from different car insurance companies.
Insurance CompanyAverage Monthly QuoteUSAA $83 State Farm $99 Allstate $110 GEICO $123 American Family $127 Progressive $147 Nationwide $153 Travelers $161 Farmers $193 Liberty Mutual $244 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2018 Dodge Ram 1500 has a cheaper MSRP of $16,556. If you have a 2016 1500, the table below can give you an idea of the average cost of coverage depending on the insurance company.
Insurance CompanyAverage Monthly QuoteUSAA $81 State Farm $96 Allstate $107 GEICO $119 American Family $123 Progressive $143 Nationwide $149 Travelers $157 Farmers $188 Liberty Mutual $237 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The base-trim MSRP for a 2017 Ram 1500 is $9,900, making it the cheapest 1500 you can buy. Older models tend to have the cheapest rates. Here are the insurance averages for a 2017 Ram 1500 from some of the top insurance companies.
Insurance CompanyAverage Monthly QuoteUSAA $79 State Farm $94 Allstate $105 GEICO $116 American Family $120 Progressive $141 Nationwide $145 Travelers $154 Farmers $184 Liberty Mutual $232 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The MSRP for the 2016 Dodge Ram 1500 is $15,999. Beyond a cheaper MSRP, you’re also likely to find lower car insurance rates on a 2016 model. Use the comparison chart to determine which insurance companies offer you the best deal.
Insurance CompanyAverage Monthly QuoteUSAA $77 State Farm $92 Allstate $102 GEICO $114 American Family $118 Progressive $137 Nationwide $142 Travelers $150 Farmers $180 Liberty Mutual $227 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of Dodge Ram 1500 insurance by state
When comparing auto insurance premiums, it’s important to understand that rates vary by state and other factors, such as your driving record, age, gender, and the car’s safety ratings.
Here are the average insurance costs for Rams across all models by state. Alaska and Hawaii are not included due to lack of data.
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $148 |
| Arkansas | $266 |
| Arizona | $180 |
| California | $250 |
| Colorado | $228 |
| Connecticut | $347 |
| Delaware | $255 |
| Florida | $238 |
| Georgia | $258 |
| Iowa | $125 |
| Idaho | $130 |
| Illinois | $176 |
| Indiana | $150 |
| Kansas | $171 |
| Kentucky | $224 |
| Louisiana | $230 |
| Massachusetts | $184 |
| Maryland | $351 |
| Maine | $156 |
| Michigan | $287 |
| Minnesota | $202 |
| Missouri | $200 |
| Mississippi | $215 |
| Montana | $172 |
| North Carolina | $97 |
| North Dakota | $142 |
| Nebraska | $181 |
| New Hampshire | $117 |
| New Jersey | $184 |
| New Mexico | $164 |
| Nevada | $291 |
| New York | $488 |
| Ohio | $134 |
| Oklahoma | $184 |
| Oregon | $167 |
| Pennsylvania | $179 |
| Rhode Island | $153 |
| South Carolina | $279 |
| South Dakota | $134 |
| Tennessee | $155 |
| Texas | $245 |
| Utah | $190 |
| Virginia | $199 |
| Vermont | $157 |
| Washington | $165 |
| Washington D.C. | $356 |
| Wisconsin | $137 |
| West Virginia | $162 |
| Wyoming | $123 |
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How to ensure you have enough coverage on your Dodge Ram 1500
Before buying auto insurance, you should know what coverage you need and whether it fits your budget. If you finance or lease your pickup truck, you might have to carry full coverage. On the other hand, if you own your Ram 1500 outright, you might choose liability coverage only.
These are some of the most common truck insurance coverages:[4]
Liability coverage
Every state except New Hampshire requires drivers to carry a minimum amount of liability insurance. This type of coverage includes bodily injury liability, so the other driver’s medical expenses are taken care of if you’re at fault. Liability coverage also includes property damage liability, which covers the other driver’s vehicle or other property you damage in an accident.
Collision coverage
When you have collision insurance, the insurance company pays to repair damage to your car if you’re in an accident with another vehicle or hit a stationary object, no matter who’s at fault.
Comprehensive coverage
Comprehensive insurance pays for damage not from an accident. This includes damage from weather, such as wind or hail, fire, vandalism, theft, and other non-collision incidents.
Uninsured motorist coverage
Uninsured motorist coverage helps pay your medical bills and vehicle repairs if a driver without insurance hits you or you’re the victim of a hit-and-run accident.
Dodge Ram 1500 car insurance FAQs
As you prepare to insure your Ram 1500, no matter its model year, it makes sense to understand the basics. Here are some answers to common questions about getting Ram 1500 truck insurance.
USAA offers the cheapest insurance for a Ram 1500, at $103 per month for full coverage and $50 per month for liability coverage. GEICO has the next lowest rate, at $122 for full coverage and $57 for liability-only coverage.
Not particularly, but they’re more expensive than competitor models like the Ford F-Series and the Chevrolet Silverado. On average, it costs $155 per month to insure a Ram 1500, compared to the national average of $138. But the cost to insure your truck varies based on your location, your driving history, and other factors.
The average cost to insure a Ram 1500 across all model years and insurance companies is $202 per month for full coverage and $108 per month for liability-only coverage.
The average cost to insure a 2017 Ram 1500 is $207 per month for full coverage and $110 per month for liability-only coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Statista.com. "U.S.: best-selling pickup truck models 2024| Statista."
- RAM Trucks. "RAM 1500."
- Edmunds. "RAM 1500."
- III. "Auto insurance basics—understanding your coverage."
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Miranda Marquit Insurance Writer
Miranda Marquit, MBA, is a freelance financial writer covering various markets and topics since 2006. She has contributed to numerous media outlets, including Forbes, TIME, The Hill, NPR, HuffPost, Yahoo! Money, and more. Her work has been syndicated by MSN Money, Marketwatch, Credit.com, and other publications. She has written about insurance topics for Clearsurance, HealthCare.com, and various other websites. She is also an avid podcaster and co-hosts the Money Talks News podcast. Miranda has a Master’s Degree in Journalism from Syracuse University. Connect with her on LinkedIn.
Miranda has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.