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 $182 per month for full coverage and $103 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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 $143. 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.
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