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The average insurance cost for a Ram Pickup in 2024 is $2,233 per year. The Ram Pickup was among the 25 best-selling cars in the U.S. last year, according to Kelley Blue Book.

But no matter whether you bought your Ram Pickup new or used, it’s a big investment – the average new car buyer in the U.S. paid $48,334 in July 2023, according to Kelley Blue Book. The cost of insuring a car can vary greatly, so be mindful of how much car insurance costs if you want to stay within a monthly budget.

Key Takeaways

  • The annual average nationwide rate for a Ram Pickup is $2,233.
  • State Farm offers the cheapest car insurance for a Ram Pickup.
  • The cheapest states for insurance for a Ram Pickup are Maine, Hawaii and Vermont.
  • The most expensive states for insurance for a Ram Pickup are Louisiana, Colorado and Florida.
Average Insurance Rates

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How much does it cost to insure a Ram Pickup?

Full coverage car insurance for a Ram Pickup is less than the nationwide average of $2,305 per year. Full coverage comprises liability insurance, comprehensive and collision and is much more expensive than liability coverage alone.

The age of your vehicle and its make, model and trim all affect car insurance rates, in additional to personal factors about the driver(s), homeowner status and location.

The table below shows annual rates for full coverage car insurance for a Ram Pickup.

Graph
Table
ModelAverage full coverage cost annuallyAverage full coverage cost monthly
Ram 1500$2,147$179
Ram 1500 Classic$2,177$181
Ram 1500 TRX$2,565$214
Ram 2500$2,211 $184
Ram 3500$2,434 $203

Ram-Pickup insurance cost

$179 per month
car image$2,147 per year

Car insurance cost for a Ram Pickup, by age

Cost of Ram Pickup insurance for 18-year-olds

Insurance rates vary significantly by age. Teens pay the highest rates for car insurance because they are riskier drivers and have less experience driving.

Car insurance for an 18-year-old driving a Ram Pickup costs $8,309 per year. The table below shows the cost of car insurance for an 18-year-old driving a Ram Pickup.

ModelAverage annual full coverage costAverage monthly full coverage cost
Ram 1500$8,005 $667
Ram 1500 Classic$8,230 $686
Ram 1500 TRX$9,582 $799
Ram 2500$8,230 $686
Ram 3500$9,003 $750

Ram Pickup auto insurance cost, by state

Car insurance rates vary significantly by state. State laws and a state’s no-fault vs. tort classification all affect how much folks pay for car insurance in a state and individual factors.

Full coverage car insurance for a Ram Pickup costs $2,233 per year. See the annual and monthly rates by state for a Ram Pickup in each state in the table below.

Graph
Table
StateAnnual premiumMonthly premium
Alabama$2,184$182
Alaska$1,902$159
Arizona$2,290$191
Arkansas$2,415$201
California$2,824$235
Colorado$3,195$266
Connecticut$2,040$170
Delaware$2,429$202
Florida$3,142$262
Georgia$2,644$220
Hawaii$1,524$127
Idaho$1,712$143
Illinois$2,091$174
Indiana$1,917$160
Iowa$1,939$162
Kansas$2,238$187
Kentucky$2,742$229
Louisiana$3,279$273
Maine$1,444$120
Maryland$2,194$183
Massachusetts$2,170$181
Michigan$2,693$224
Minnesota$2,260$188
Mississippi$2,104$175
Missouri$2,536$211
Montana$2,327$194
Nebraska$2,448$204
Nevada$2,066$172
New Hampshire$1,570$131
New Jersey$2,148$179
New Mexico$2,369$197
New York$1,864$155
North Carolina$2,013$168
North Dakota$1,958$163
Ohio$1,828$152
Oklahoma$2,232$186
Oregon$2,086$174
Pennsylvania$2,255$188
Rhode Island$2,657$221
South Carolina$2,267$189
South Dakota$2,770$231
Tennessee$2,434$203
Texas$2,669$222
Utah$2,048$171
Vermont$1,563$130
Virginia$1,628$136
Washington$1,827$152
Washington, D.C.$2,552$213
West Virginia$2,013$168
Wisconsin$1,787$149
Wyoming$2,744$229
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

10 most expensive states for car insurance for a Ram Pickup

The most expensive states for full coverage car insurance for a Ram Pickup are as follows:

  1. Louisiana
  2. Colorado
  3. Florida
  4. California
  5. South Dakota
  6. Wyoming
  7. Kentucky
  8. Michigan
  9. Texas
  10. Rhode Island

10 cheapest states for car insurance for a Ram Pickup

The cheapest states for full coverage car insurance for a Ram Pickup are as follows:

  1. Maine
  2. Hawaii
  3. Vermont
  4. New Hampshire
  5. Virginia
  6. Idaho
  7. Wisconsin
  8. Washington
  9. Ohio
  10. New York

Ram Pickup insurance cost, by city

Car insurance rates for a Ram Pickup also vary based upon your location. In the top 10 U.S. cities (by population), rates for a Ram Pickup range from $2,348 in Chicago, Illinois to $3,759 in Los Angeles, California. See more rates in the top 10 cities in the table below.

CityAverage annual full coverage premium
Chicago, Illinois$2,348
Houston, Texas$2,947
Los Angeles, California$3,759
New York, New York$2,501
Philadelphia, Pennsylvania$3,494
Phoenix, Arizona$3,028
San Antonio, Texas$2,701
San Jose, California$2,496

Car insurance cost for a Ram Pickup, by company

Car insurance rates also vary by company – each insurer has a proprietary rating algorithm that sets rates based on risk. So, insurance for a Ram Pickup may be more expensive from one insurer than another, so you get quotes from several insurers before committing to a policy.

“Insurance premiums vary by vehicle model and trim level because insurance companies use this information to predict the risk of the driver and potential financial loss, and hence the risk to the insurer,” says Jim Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “Certain models and trims – for example, a brand-new fire-engine red – convertible sports car, turn out to be more risky to the insurance company than a 15-year-old sedan that can barely top out at 65 mph.”

See insurance rates for a Ram Pickup from several insurers in the table below.

Company-wise average rates for insuring a Ram Pickup

Graph
Table
CompanyAverage annual premiumAverage 6-month premiumAverage monthly premium
Allstate$3,501$1,751$292
Farmers$2,517$1,259$210
Geico$1,799$900$150
Nationwide$1,887$944$157
Progressive$2,151$1,076$179
State Farm$1,569$785$131

This model is one of the most popular cars in 2023, according to Kelley Blue Book. Here’s a list of the top 25 best-selling vehicles of 2023:

  1. Ford F-Series
  2. Chevrolet Silverado
  3. Ram Pickup
  4. Toyota RAV4
  5. Tesla Model Y
  6. Honda CR-V
  7. GMC Sierra
  8. Toyota Camry
  9. Nissan Rogue
  10. Jeep Grand Cherokee
  11. Toyota Tacoma
  12. Tesla Model 3
  13. Toyota Corolla
  14. Chevrolet Equinox
  15. Hyundai Tucson
  16. Honda Civic
  17. Honda Accord
  18. Ford Explorer
  19. Toyota Highlander
  20. Subaru Outback
  21. Subaru Crosstrek
  22. Jeep Wrangler
  23. Mazda CX-5
  24. Subaru Forester
  25. Ford Escape

Car insurance averages by make and model

Car insurance rates vary by make and model. In general, cars that are more expensive – think luxury vehicles, EVs and sports cars – are more expensive to insure. Cars with smaller engines and a lot of safety features are cheaper to insure.

See the average annual full coverage rates for the top 25 most popular vehicles in 2023 in the table below.

ModelAverage annual full coverage premium
Chevrolet Equinox$1,835
Chevrolet Silverado$2,157
Ford Escape$1,850
Ford Explorer$2,061
Ford F-series$2,202
GMC Sierra$2,154
Honda Accord$2,020
Honda Civic$2,059
Honda CR-V$1,722
Hyundai Tucson$1,828
Jeep Grand Cherokee$2,148
Jeep Wrangler$1,861
Mazda CX-5$1,773
Nissan Rogue$1,962
Ram Pickup$2,233
Subaru Crosstrek$1,790
Subaru Forester$1,757
Subaru Outback$1,797
Tesla Model 3$3,397
Tesla Model Y$3,115
Toyota Camry$2,093
Toyota Corolla$2,189
Toyota Highlander$1,980
Toyota RAV4$1,898
Toyota Tacoma$1,917

Which body styles are cheaper or more expensive for car insurance?

Sedans tend to be more expensive to insure than trucks or SUVs for several reasons – they’re a higher theft risk and they’re smaller than SUVs and trucks, so they are more likely to be damaged in a crash with a larger vehicle.

Below, see annual rates for full coverage for sedans, SUVs and trucks.

Body typeAverage annual premiumAverage monthly premium
Convertible$2,768 $231
Electric$2,799 $233
Hatchback$1,976 $165
Hybrid$2,307 $192
Luxury Car$3,078 $257
Luxury SUV$2,615 $218
Minivan$1,956 $163
Performance SUV$3,129 $261
Sedan$2,120 $177
Sports Car$3,229 $269
Station Wagon$2,471 $206
SUV$1,935 $161
Truck$2,152 $179
Van$1,795 $150

How does my car’s trim level affect car insurance?

A car’s trim level can significantly impact insurance rates due to the varying features of each package. Higher trim levels often include powerful engines and luxury options that could increase the vehicle’s value and the cost to insure it.

“Some models and trims are more expensive to replace or repair – another reason the premium on them is higher. It all comes down to estimating the risk of future payout from the insurance company,” Brau says. “Models and trims that historically have been more expensive to insurance firms will carry with them higher car insurance rates.”

Additionally, advanced safety features in upper trim levels may lower rates, while customizations and added performance capabilities typically raise them due to higher repair costs. Insurers consider all these factors when determining premiums, making the trim level a crucial variable in the cost of car insurance.

See the trim levels of a Ram Pickup and their full coverage premiums in the table below.

Trim LevelAnnual full coverage preimum
1500 Big Horn$2,095
1500 HFE$1,975
1500 Laramie$2,181
1500 Limited$2,289
1500 Lone Star$2,094
1500 Longhorn$2,250
1500 Rebel$2,152
1500 Tradesman$2,044
1500 Classic SLT$2,177
1500 TRX$2,565
2500 Big Horn$2,137
2500 Laramie$2,284
2500 Laramie Limited$2,406
2500 Limited$2,408
2500 Limited Longhorn$2,449
2500 Lone Star$2,081
2500 Powerwagon$2,197
2500 Powerwagon Rebel$2,241
2500 Rebel$2,118
2500 Tradesman$2,043
3500 Big Horn$2,336
3500 Laramie$2,443
3500 Limited$2,543
3500 Limited Longhorn$2,617
3500 Longhorn$2,498
3500 Tradesman$2,324

How to save on car insurance for a Ram Pickup

Are you paying for more coverage than you need? Depending on your driving habits, you may not require the maximum coverage for areas such as collision or comprehensive. If you have an older car, scaling back on full coverage is an option. However, tread carefully; reducing coverage significantly could expose you to risk.

Other ways to save on car insurance for a Ram Pickup:

  • Shop your coverage every six months or annually before your policy renews
  • Increase your deductible if you have savings to cover it
  • Drive safely to avoid violations
  • Maintain a good credit score
  • Bundle home and auto policies

Ram Pickup discounts on car insurance

Certain safety features can mean significant savings. From anti-lock brakes to airbags and even high-tech systems like lane departure warnings, the safer your car is, the less you’ll likely pay for insurance.

In addition to vehicle discounts, drivers may qualify for the following discounts:

  • Telematics discounts
  • Multiple policies
  • Loyalty
  • Good driver/safe driver
  • Good student
  • Savings for driving less/low annual mileage
  • Senior discount
  • Educational/professional discounts
  • Signing early/paying in full
  • Paperless/autopay
expert

What our expert says

Q: Why do car insurance rates vary by vehicle model and trim level?

expert-image
Dr. James BrauJoel C. Peterson Professor of Finance Brigham Young University
“Insurance premiums vary by vehicle model and trim level because insurance companies use this information to predict the risk of the driver and potential financial loss, and hence the risk to the insurer. Certain models and trims – for example, a brand-new fire-engine red – convertible sports car, turn out to be more risk to the insurance company than a 15-year-old sedan that can barely top out at 65 mph. Some models and trims are more expensive to replace or repair – another reason the premium on them is higher. It all comes down to estimating the risk of future pay out from the insurance company. Models and trims that historically have been more expensive to insurance firms will carry with them higher car insurance rates.”

Resources & Methodology

Sources:

Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

40-year-old male

Our hypothetical driver

100/300/100

Full coverege rates

6

Major carriers in the U.S.

author image
Laura Longero
Executive Editor

 
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Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media.

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