Dodge Ram Insurance Rates

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Is insurance higher on a truck or car?

The cost of full coverage insurance on a car will usually be much higher than the same coverage for a truck. This is because trucks are typically more expensive to repair and maintain, but this disparity often comes down to the type of damage that can occur in each type of vehicular accident. Here is an example: If you were in an accident driving your car where another car ran into the side panel only (a fender bender), then your costs could be pretty low. But if you happened to get hit by another vehicle while it was backing up, its bumper would have likely punched through the door near where the driver sits.

How much is insurance for a Ram 1500?

For full coverage, we'd say expect to pay between $300-$500 per month, depending on your state's insurance rates. You can get an idea using this free online quote tool. Another thing you need to keep in mind is the fact that young drivers like yourself tend to get hit with higher rates than older drivers (20s vs. 30s.)

How much is insurance on a Dodge Ram?

Well, it all depends on where you live and what type of coverage you want. But if we were talking about basic liability-only (covers damage you cause others), then expect to pay at least $1500/yr for full coverage with $500 deductibles, BUT that is just an estimate and varies widely by state, age, driving record, etc

How much does it cost to insure a Ram 2500?

The price to insure a Ram 2500 can vary greatly. The cost of coverage depends on how much you value your vehicle, the deductible that you choose, and wherein the United States you live. Geography is one of the largest factors when it comes to determining how much insurance costs in your area.

Dodge RamDodge Ram

Dodge Ram Trims Available

Model and Trim Annual Premium Monthly Premium
Dodge Ram Quad Cab ST 2WD $1352 $111
Dodge Ram Quad Cab SLT 2WD $1390 $116
Dodge Ram Quad Cab ST 4WD $1424 $119
Dodge Ram Quad Cab TRX4 Off Road 2WD $1389 $117
Dodge Ram Crew Cab ST 2WD $1387 $116
Dodge Ram Crew Cab ST 4WD $1463 $123
Dodge Ram Crew Cab SLT 2WD $1437 $121
Dodge Ram Crew Cab TRX 2WD $1428 $120
Dodge Ram Quad Cab SLT 4WD $1462 $124
Dodge Ram Crew Cab SLT 4WD $1535 $130
Dodge Ram Crew Cab TRX 4WD $1555 $129
Dodge Ram Crew Cab Sport 2WD $1513 $125
Dodge Ram Quad Cab Sport 2WD $1523 $128
Dodge Ram Quad Cab TRX4 Off Road 4WD $1548 $129
Dodge Ram Crew Cab Sport 4WD $1585 $132
Dodge Ram Crew Cab Laramie 2WD $1542 $130
Dodge Ram Quad Cab Laramie 2WD $1541 $130
Dodge Ram Quad Cab Sport 4WD $1596 $132
Dodge Ram Crew Cab Laramie 4WD $1627 $135
Dodge Ram Quad Cab Laramie 4WD $1614 $137

Model by Year

Model Year Comprehensive Collision Liability Total Premium
2020 Dodge Ram $348 $548 $441 $1522
2019 Dodge Ram $334 $539 $454 $1506
2018 Dodge Ram $320 $531 $469 $1493
2017 Dodge Ram $313 $506 $491 $1478
2016 Dodge Ram $295 $487 $498 $1463
2015 Dodge Ram $285 $451 $517 $1437
2014 Dodge Ram $270 $424 $518 $1407
2013 Dodge Ram $258 $379 $522 $1332
2012 Dodge Ram $243 $353 $521 $1302
2011 Dodge Ram $234 $330 $524 $1273
2010 Dodge Ram $230 $305 $533 $1259
2009 Dodge Ram $211 $286 $534 $1223
2008 Dodge Ram $206 $258 $539 $1178
2007 Dodge Ram $192 $236 $536 $1145
2006 Dodge Ram $182 $217 $534 $1116
2005 Dodge Ram $174 $192 $531 $1081
2004 Dodge Ram $172 $188 $521 $1072
2003 Dodge Ram $167 $179 $514 $1043
2002 Dodge Ram $153 $171 $511 $1014
2001 Dodge Ram $152 $163 $499 $1004

Crash Tests Ratings

Vehicle TestedOverall RatingFrontal CrashSide CrashRollover
2021 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars4 stars
2021 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2021 Ram 1500 Crew PU/CC 4WD5 stars4 stars5 stars4 stars
2021 Ram 1500 Crew PU/CC 2WD5 stars4 stars5 stars4 stars
2021 Ram 1500 Classic Regular PU/RC 4WD4 stars4 stars5 stars3 stars
2021 Ram 1500 Classic Regular PU/RC 2WD4 stars4 stars5 stars4 stars
2021 Ram 1500 Classic Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2021 Ram 1500 Classic Crew PU/CC 2WD4 stars4 stars5 stars4 stars
2020 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2020 Ram 1500 Crew PU/CC 4WD5 stars4 stars5 stars4 stars
2020 Ram 1500 Crew PU/CC 2WD5 stars4 stars5 stars4 stars
2020 Ram 1500 Classic Regular PU/RC 2WD4 stars4 stars5 stars4 stars
2020 Ram 1500 Classic Quad PU/EC 4WD4 stars4 stars5 stars3 stars
2020 Ram 1500 Classic Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2020 Ram 1500 Classic Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2020 Ram 1500 Classic Crew PU/CC 2WD4 stars4 stars5 stars4 stars
2019 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars4 stars
2019 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars4 stars
2019 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2019 Ram 1500 Crew PU/CC 4WD5 stars4 stars5 stars4 stars
2019 Ram 1500 Crew PU/CC 2WD5 stars4 stars5 stars4 stars
2019 Ram 1500 Classic Regular PU/RC 4WD4 stars4 stars5 stars3 stars
2019 Ram 1500 Classic Regular PU/RC 2WD4 stars4 stars5 stars4 stars
2019 Ram 1500 Classic Quad PU/EC 4WD4 stars4 stars5 stars3 stars
2019 Ram 1500 Classic Crew PU/CC 4WDN/R4 starsN/R3 stars
2019 Ram 1500 Classic Crew PU/CC 2WDN/R4 starsN/R4 stars
2018 Ram 1500 Regular PU/RC 4WD4 stars4 stars5 stars3 stars
2018 Ram 1500 Regular PU/RC 2WD4 stars4 stars5 stars4 stars
2018 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars3 stars
2018 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars3 stars
2018 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2018 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2018 Ram 1500 Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2018 Ram 1500 Crew PU/CC 2WD4 stars4 stars5 stars4 stars
2017 Ram 1500 Regular PU/RC 4WD4 stars4 stars5 stars3 stars
2017 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2017 Ram 1500 Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2016 Ram 1500 Regular PU/RC 4WD4 stars4 stars5 stars3 stars
2016 Ram 1500 Regular PU/RC 4WD4 stars4 stars5 stars3 stars
2016 Ram 1500 Regular PU/RC 2WD4 stars4 stars5 stars4 stars
2016 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars3 stars
2016 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2016 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2016 Ram 1500 Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2016 Ram 1500 Crew PU/CC 2WD4 stars4 stars5 stars4 stars
2015 Ram 1500 Regular PU/RC 4WD4 stars4 stars5 stars3 stars
2015 Ram 1500 Regular PU/RC 2WD4 stars4 stars5 stars4 stars
2015 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars3 stars
2015 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2015 Ram 1500 Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2015 Ram 1500 Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2015 Ram 1500 Crew PU/CC 2WD4 stars4 stars5 stars4 stars
2014 Ram 1500 Regular PU/RC 4WD4 stars4 stars5 stars3 stars
2014 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars3 stars
2014 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars3 stars
2014 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2014 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2014 Ram 1500 Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2014 Ram 1500 Crew PU/CC 2WD4 stars4 stars5 stars4 stars
2013 Ram 1500 Regular PU/RC 4WD4 stars4 stars5 stars3 stars
2013 Ram 1500 Regular PU/RC 2WD4 stars4 stars5 stars4 stars
2013 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars3 stars
2013 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2013 Ram 1500 Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2013 Ram 1500 Crew PU/CC 2WD4 stars4 stars5 stars4 stars
2013 Ram 1500 Crew PU/CC 2WD4 stars4 stars5 stars4 stars
2012 Ram 1500 Regular PU/RC 4WD3 stars4 stars3 stars3 stars
2012 Ram 1500 Regular PU/RC 2WD3 stars4 stars3 stars4 stars
2012 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars3 stars
2012 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2012 Ram 1500 Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2012 Ram 1500 Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2011 Ram 1500 Quad PU/CC RWD3 stars2 stars5 stars4 stars
2011 Ram 1500 Quad PU/CC 4WD3 stars2 stars5 stars3 stars
2011 Ram 1500 PU/RC RWD3 stars2 stars3 stars4 stars
2011 Ram 1500 PU/RC 4WD2 stars2 stars3 stars3 stars
2011 Ram 1500 Crew PU/CC RWD3 stars2 stars5 stars4 stars
2011 Ram 1500 Crew PU/CC 4WD3 stars2 stars5 stars3 stars

Cost by State

State Premium Compared to U.S. Avg Percent Difference
Alabama $1371 $149 -9.9%
Alaska $1165 $355 -23.5%
Arizona $1260 $260 -17.2%
Arkansas $1520 -$0 0.0%
California $1729 $210 13.9%
Colorado $1447 $73 -4.8%
Connecticut $1560 $40 2.7%
Delaware $1719 $200 13.2%
Florida $1899 $379 25.1%
Georgia $1403 $117 -7.8%
Hawaii $1088 $431 -28.6%
Idaho $1028 $492 -32.7%
Illinois $1131 $389 -25.8%
Indiana $1145 $375 -24.9%
Iowa $1026 $494 -32.8%
Kansas $1441 $79 -5.2%
Kentucky $2070 $550 36.5%
Louisiana $2249 $730 48.4%
Maine $939 $580 -38.5%
Maryland $1254 $266 -17.6%
Massachusetts $1211 $308 -20.5%
Michigan $2636 $1117 74.1%
Minnesota $1270 $250 -16.5%
Mississippi $1820 $300 20.0%
Missouri $1346 $173 -11.5%
Montana $1633 $113 7.5%
Nebraska $1197 $322 -21.4%
Nevada $1820 $300 20.0%
New Hampshire $1096 $423 -28.1%
New Jersey $1697 $177 11.8%
New Mexico $1344 $175 -11.6%
New York $1600 $81 5.3%
North Carolina $877 $643 -42.6%
North Dakota $1244 $276 -18.3%
Ohio $1048 $472 -31.2%
Oklahoma $1558 $38 2.5%
Oregon $1391 $129 -8.6%
Pennsylvania $1447 $73 -4.8%
Rhode Island $2028 $508 33.7%
South Carolina $1377 $143 -9.5%
South Dakota $1282 $238 -15.7%
Tennessee $1328 $191 -12.7%
Texas $1828 $308 20.5%
Utah $1123 $397 -26.3%
Vermont $1040 $480 -31.8%
Virginia $909 $611 -40.5%
Washington $1171 $349 -23.1%
West Virginia $1393 $127 -8.5%
Wisconsin $1050 $470 -31.1%
Wyoming $1352 $167 -11.1%

Diversity

Insurance Coverage CategoryLoss Rate
Collision-14.1%
Property damage41.8%
Comprehensive-17.9%
Personal injury-16.1%
Medical paymentN/A
Bodily Injury24.8%

Other Dodge models

Other styles

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $61
Homeowner $17
5-yr Accident Free $81
5-yr Claim Free $86
Paid in Full/EFT $47
Advance Quote $66
Online Quote $94

Compare Rates and Save

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Discounts are estimated and may not be available from every company or in every state.

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