Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 24, 2022

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The Dodge Ram pickup is well-known in the United States for being a robust and reliable truck that offers a smooth ride and quality interior.

The latest base models feature seating for six with a roomy and luxurious interior, powerful engines, and an infotainment system that is easy to use.

In this review we will offer up key considerations and takeaways to help you make the right coverage choices and insurance decisions before we begin. Car insurance rates vary from person to person. What you need may differ from someone else in your family, even if you drive the same model truck.

We also have a free comparison tool that will let you compare quotes from different companies. This is a great way to find insurance policies that are tailored to what vehicle you drive, how old you are, and other factors that are used to determine your rates.

Dodge Ram Insurance Key Considerations
--The Dodge Ram 1500 average monthly auto insurance price is $148 with collision and comprehensive coverage.

--The cheapest company to get car insurance through is Auto-Owners Insurance. They offer policies as low as $109 for full coverage and $38 for liability only. National insurers State Farm and Farmers provide slightly higher insurance rates at $112 and $126, respectfully.

--The Ram 1500 Big Horn trim level has the best insurance rates being $47 less expensive than vehicles in its class.

--The Dodge Ram 1500 and 2500 ranked 4/5 stars with Consumer Reports and ranked high with J.D. Power for its quality, reliability, driving experience, and crash test ratings.
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Dodge’s line of Ram 1500 pickups are currently ranked at #2 with U.S. News in their “Full-Size Pickup” category.

This is based on their evaluation of research and data on the truck from various sources.

The Dodge Ram 1500 is a reliable vehicle with an engine lineup that includes V6, V8, and turbo diesel options.

For 2021, the company has introduced a new high-performance TRX model.

If you are looking for auto insurance options for your Dodge Ram 1500 or 2500 and want to find the most affordable auto insurance rates, this guide will help you learn how to save on your policy and what coverage options you should consider from auto insurers.

Best auto insurers by pricing coverage for Dodge Ram drivers with Auto-Owners, State Farm, Elephant, Farmers and Erie. Illustrated above are the best and cheapest insurers by price and coverage levels for a 30 and 45-year-old driver. The least expensive to insure is Auto-Owners, but they only offer policies in 26 states. State Farm is the next best coverage option since they provide coverage in all 50 states. If limited by zip code, the best nationwide car insurer is State Farm and Farmers.

How to Find Affordable Dodge Ram Insurance

To ensure you get the best auto insurance rates for your Dodge Ram 1500, you will need to have a clean driving record, excellent credit history, limit speeding tickets, and tend not to file small claims.

You will also need to avoid any lapse in coverage.

These factors are necessary when you are hoping to lower your insurance costs for passenger vehicles.

Unfortunately, not every driver has a perfect history or excellent credit rating to help them out with their insurance costs.

Therefore, you must compare various auto insurer rates and choose the best option in terms of price and insurance coverage options.

Our analysis found the cheapest car insurance rates for a Dodge Ram 1500 Crew Cab and 2500 are Auto-Owners and State Farm.

Auto-Owners offers an annual price quote at $1,314 for a 30-year-old motorist.

And State Farm offers an annual quote of $1,351.

Auto-Owners is limited to 26 states to buy an auto policy.

If Auto-Owners is unavailable in your state, your next best option is buying insurance coverage with State Farm since they offer it in all 50 states.

Below are the cheapest insurers for a 30 and 45-year-old male with a clean driving record.

Insurance company30-year old* 45-year old*
State Farm$1,351$1,001
Liberty Mutual$1,783$1,120
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Using an insurance rate comparison tool such as will help you learn more about what each insurance provider has to offer and receive an estimate on what you can expect to pay on your premium each month.

It is recommended that you compare rates from at least four auto insurance companies before deciding which policy to purchase.

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Insurance Quotes by Trim Level

When comparison shopping for an automobile, your insurance quotes will depend on pricing, the cost to replace it, and repair costs.

Higher-end trim levels, such as the Rebel, Limited Longhorn, or Laramie Longhorn, will cost more to insure since both Rebel and Limited Longhorn trim levels have a retail price above $40,000.

Below are the cheapest insurance premiums by trim level for a Ram 1500 Crew Cab:

Dodge Ram 1500 TrimsMonthly RateAnnual PremiumSticker Price
Big Horn$137$1,647$36,890
Limited Longhorn$178$2,138$52,180
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What does liability insurance cost for the Dodge Ram 1500?

The average cost of liability insurance for a Dodge Ram 1500 varies depending on the vehicle’s year.

In comparison, older Rams tend to have higher liability coverage costs.

That’s because older vehicles have gone through more claims, crash test ratings, and safety ratings, according to the Insurance Institute for Highway Safety (

Those ratings conclude that owners of older 1500s are more likely to file liability claims than those who own newer models.

Here are a few estimates for the average cost of liability insurance for models 1500, 2500, and 3500s with the retail price.

Dodge Ram Trucks by ModelMonthly RateFull CoverageMSRP
1500 Classic$40 $141$28,450
1500 TRX$57$214$69,995
Ram Promaster$41$119$31,540
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How does the Ram 2500 compare to other car models?

The auto insurance rates for Ram 2500 pickups cost on average around $191 less than other vehicles.

Full coverage comes to around $1,790 per year or $149 a month with most providers.

Drivers with the highest rates for 2500 are teens with an average of $4,854 per year or $405 a month.

Cost to insure a Ram 1500 and 2500 with discounts, high deductibles, high-risk and young drivers.Illustrated above is the cost to insure a Dodge Ram 1500 by driver type and risk profile. Driver discounts ($1,004) and high deductibles ($1,299) pay the least, while high-risk ($2,991) and young drivers ($4,854) pay the most. The average insurance rate for a Ram is approximately $1,776 ($148 per month), illustrated in blue.

Drivers who receive a safe driver discount often save around $548 a year if they stay claim-free with companies that offer this reward.

Here are the average auto insurance rates for liability coverage for popular pickup trucks in comparison to the Dodge Ram:

TruckLiability InsuranceFull Coverage Premium*
Ram 1500$454$1,776
Dodge Ram 2500$480$1,790
Ram Heavy Duty$511$1,812
Ford F-150$438$1,329
Ford Ranger$457$1,411
GMC Sierra 1500$444$1,460
GMC Sierra 2500HD$449$1,481
Ford F-Series Super Duty$449$1,580
Toyota Tundra$450$1,620
Toyota Tacoma $460$1,704
Chevrolet Silverado 1500$514$1,920
Chevy Colorado$516$1,932
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*Insurance premium includes collision and comprehensive coverage with $500 deductibles. Please see our methodology below.

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How can you save on your Ram pickup insurance?

There are several ways drivers can save on their insurance rates:

— You can remove certain coverages once you have your truck paid off, such as Comprehensive & Collision coverage.

— Use paperless billing options with your insurance provider if available.

— Consider using ride-sharing services to help lower your mileage.

— Check the odometer of your vehicle to ensure you are getting the right rate based on your mileage.

— Add your home and auto together on one policy with one carrier.

— Pay for your policy annually, or bi-annually, and not monthly, if you are able. This can save you hundreds of dollars.

— Ask your agent about money-saving discounts their insurance company offers.

Discounts will vary from one car insurance company to the next.

Below are the best discounts for Dodge Ram’s for any motorist.

Insurance discounts 
Safe driver discountDefensive driving discount
Good student discountElectronic payment discount
Multi-policy discountFull payment discount
Multi-car discountLow mileage discount
Homeowner discountMilitary discount
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How safe is the Ram 1500?

The Ram 1500 has a 5-star NHTSA overall safety rating.

The truck is designed to help drivers feel confident and safe while on the road.

With safety features such as Forward Collision Warning, Active Braking, and Pedestrian Emergency Braking, drivers can move forward and achieve their goals for the day with peace of mind.

Advanced safety features and technology can reduce your Dodge Ram insurance rates.

Advanced Safety Features & Technology 
Forward Collision Warning with Active BrakingParallel and Perpendicular Park Assist
Blind Spot Monitoring
with Rear Cross Path and Trailer Detection
Adaptive Cruise Control
Electronic Stability ControlLanesense Departure Warning
360° Surround View Camera14.9-inch standard brakes
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What are the safety features of the Dodge Ram 1500?

Here are some of the top safety features for the latest models of the Dodge Ram 1500.

Reliability Rating

The Ram 1500 has a 3.5 rating based on a 5-star rating.

It is ranked in the fourth position when compared to a list of 17 other trucks.

The average annual cost of repairs for this truck is $670. And maintenance costs are less than $300, according to Kelly Blue Book.

Anti-Lock Brakes

The ABS brakes on the Dodge Ram 1500 will automatically sense whenever a tire stops rotating under extreme conditions.

It then changes the brake pressure to allow the tire to rotate safely.

This useful feature helps increase the truck’s ability to turn while braking at the same time.

Stability Control

The stability control feature on the 1500 senses when the truck’s handling limits are exceeded and then reduces the engine’s power or applies brakes to prevent the driver from losing control.


The newer models of the Dodge Ram 1500 feature three different airbags for front impact, overhead, and side-impact collisions.

These airbags were designed to protect the driver and passenger’s head and torso in the event of a frontal, side-impact, or rollover crash.

Anti-Theft System

The 1500’s security system features an ignition disable device that prevents the truck’s engine from starting if the correct key FOB from the manufacturer is not used to start it.

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In Conclusion

Now that you have a better idea of what goes into the Dodge Ram as a vehicle, it’s time to consider what auto insurance company you need to keep it safe. Just as you need to be aware of the upkeep and maintenance cost of your vehicle, you need to have a good understanding of your coverage as well. You want to be able to protect and afford those seats you’ll be sitting in.

Your choice should take into consideration what kind of price range you want to stay inside, the coverage limits you want, and what liability limits your state will have. Just looking at the lowest rates offered may not get you to a reputable company. Especially when you purchase a new vehicle, making sure you have things such as collision and comprehensive insurance can really come in handy.

If you need to compare insurance companies, we offer a free online comparison tool that can help you. Comparison shopping can lead you to a cheaper rate without limiting you to one or two companies.

Frequently Asked Questions

What affects the cost of insurance for your Dodge Ram?

The cost of your Dodge Ram insurance is based on several factors.

Your insurance rate will vary from the average rate because of many things that agents consider when calculating your specific rate.

These factors include your age, driving history, credit rating, and level of coverage. Factors related to the truck include claims history, theft rates, and the average cost of repairs.

How does ZIP code affect your Dodge Ram truck insurance?

Where you live can have a significant impact on the total cost of your Dodge Ram insurance.

Drivers in New York, for example, will pay on average as much as $810 a year more than drivers who live in Seattle.

Here are a few more statistics on the average annual rate for a Dodge Ram in various cities:

  • Los Angeles – $2,271
  • New York – $2,098
  • Houston – $2,081
  • Philadelphia – $1,780
  • Chicago – $1,753
  • Phoenix – $1,540
  • Seattle – $1,288

How do I find economical auto insurance for a Dodge Ram?

To find the most affordable rates for Dodge Ram insurance, you will need to compare quotes from some of the industry’s leading car insurers.

There are several auto insurance comparison tools, such as, available for you to use for free.

Comparison quote websites that offer real-time car insurance quotes will allow you to search for rates and get the most accurate results while saving you time.

Two of the best websites that offer up to date free quotes from top companies without selling your personal information to marketers include The Zebra and

How does the Ram 2500 compare to other car models?

The Dodge Ram 2500 has a lower starting MSRP price than other popular pickup models, with a price tag of just $32,975.

It offers more towing capacity than the Ford F-250 with 17,980 lbs. maximum capacity than the F-250’s 12,500 lbs.

What kind of coverage do you need for your Dodge Ram?

While most states only require drivers to have liability coverage on their vehicles, it would be in your best interest to choose full coverage for your pickup truck.

That will guarantee that you have enough coverage to pay for the cost of repairs or a replacement if you are involved in a severe accident.

The average auto insurance rates for a Dodge Ram are $1,776 per year with full coverage.

And a liability-only policy costs around $494 per year.

How do I compare insurance rates for my Dodge Ram 1500?

To find the best rates for your Dodge Ram 1500, you will need to do plenty of research on the top insurance providers.

Learn more about what coverage options they have to offer and what factors will affect your premium’s overall cost.

The Dodge Ram is loaded with safety features and anti-theft devices, so make sure to ask your agent if these features will help you with any discounts their insurance company offers.

To learn more about finding the cheapest auto insurance rates for your Dodge Ram 1500, 2500, or 3500, contact the experts at

Our licensed professionals will be happy to answer any questions you have.

Methodology collects quotes from the state's largest car insurance companies for a 30-year-old male or female motorist for our driver profile. Each driver has a clean driving record, and we applied a good driver, anti-theft, and paperless discounts. Price quotes for each insurer are via Quadrant Information Services.

We retrieved auto insurance quotes for various Dodge Ram models and trim levels from rate data in this instance.

The full coverage policy included:

$50,000 bodily injury liability per person.
$100,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$50,000 uninsured motorist coverage per person.
$100,000 uninsured motorist coverage per accident.

Collision coverage with a $500 deductible.
Comprehensive coverage with a $500 deductible. uses rate data from Quadrant Information Services. We sourced quotes from insurer filings that are publicly available for rate comparison.
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National Insurance Crime Bureau (NCIB)

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