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The first Ram truck to hit the market in 1981 was a product of the Dodge Motor Company. With that, the original Ram truck had both the Dodge and Ram logos slapped onto the body.
By 1994, the second generation of Ram trucks was born with new styling inspired by ‘big rigs.’ That styling has stuck around into today’s current Ram models.
But in 2009, the Chrysler Group bought the Dodge brand, which led to some significant restructuring for the Dodge vehicles. The brand’s new owner decided that trucks should be split out of the Dodge brand to allow for each brand to focus its resources on a narrowed vehicle lineup.
With that, the Ram trucks went on to be a part of a separate company that only focuses on improving these trucks. So, if you find yourself driving a Ram truck manufactured in 2010 or later, then you’ll be driving a Ram. But if you are driving a previous model year, the official brand is Dodge Ram.
As a Ram driver of any model year, car insurance is an unavoidable cost to consider. And every Ram driver on the road will want to lock in the best possible car insurance rate.
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Today, we’ll take a closer look at Ram Truck car insurance rates based on the model. Plus, breakdown which car insurance companies offer the best rates to Ram drivers. Let’s dive in to cover everything you need to know as you explore your Ram truck car insurance options.
Cost of Ram Truck Insurance
The average US driver pays $106 per month for car insurance.
But when driving a Ram truck, the average monthly rate jumps to $141 for car insurance. That’s around 32% higher than most drivers pay.
The rate is considerably higher than the average. But keep in mind you’ll be driving a reliable truck with the option to add on plenty of bells and whistles. The ultimate cost of your vehicle is a major factor car insurance companies use when determining your premiums. With that, the higher rate is there to compensate for the potential cost required to repair or replace the vehicle in the event of an accident.
But the type of vehicle you drive won’t be the only factor in play when looking for an affordable car insurance premium. Others that insurance companies will consider include your driving record, location, and demographics.
However, driving a premium truck shouldn’t mean overpaying for car insurance. As with all other vehicles on the market, you’ll want to find an affordable car insurance policy that suits your coverage needs and your budget. Luckily, you can use our tool to compare your options across different insurance companies easily.
Ram Truck Car Insurance Rates by Model
1500 |
2500 |
3500 |
Ram truck drivers pay an average of $141 per month for car insurance. But the model you drive will have an impact on your average rates.
Below, we’ll explore the popular Ram truck options and their average monthly car insurance premiums. Although these are just averages, the numbers should help you better understand what to expect when shopping around for Ram truck car insurance.
Ram 1500
The Ram 1500 is the original truck offered by the brand. But it has come a long way from its first rendition. With the 2022 model, you’ll find options for a luxurious interior with leather-trimmed seats and ample legroom.
The 2021 model was named truck of Texas by the Texas Auto Writers Association. But the awards didn’t stop there! The Ram 1500 also won the Off-Road Pickup Truck of Texas award. Plus, the Ram 1500 has been the Consumer Guide’s Best Buy award winner for 13 years running.
Ultimately, this capable truck should be able to take you anywhere you need to go. Whether you find yourself hauling a trailer or navigating off-road, you’ll feel comfortable in your ruggedly luxurious ride.
As a Ram 1500 driver, you should expect to pay an average of $141 per month for car insurance. That’s the same average for the entire brand. But you’ll be paying an average of $35 more per month when compared to the average driver on the road.
Ram 2500
If you are looking for a more heavy-duty truck, then the Ram 2500 is a great option. The 2021 model won the number one spot for the J.D Power award for vehicle quality among large heavy-duty pickups.
That’s not too surprising when you read over the impressive specs offered by this powerful pickup truck. Depending on the features in your vehicle, you may be able to tow up to 20,000 pounds. But with all of this power, you’ll also find plenty of tech features that will make for an easy drive.
Although you can expect to pay a bit more for this model, you’ll pay less in car insurance costs than the Ram 1500. As a Ram 2500 driver, you should expect to pay $136 per month for car insurance. That’s the most affordable car insurance payment on this list!
Although less expensive than car insurance costs for most Ram drivers, you’ll still be paying an average of $30 more per month than the average U.S. driver.
3500
Like the Ram 2500, the Ram 3500 2021 model won the number one spot for the J.D Power award for vehicle quality among large heavy-duty pickups. According to J.D. Power, that makes Ram the first truck-only brand to win the top spot for overall initial quality.
If you want a vehicle to provide excellent towing capabilities, the Ram 3500 is a great option. With the available 6.7L High-Output Cummins Turbo Diesel engine, you can pull up to 37,090 pounds. That leaves plenty of opportunities to tow campers, boats, and other equipment.
Of course, you’ll have to pay a bit more for the Ram 3500. But depending on your needs, the extra capabilities might be worth the increased cost.
In terms of car insurance costs for this truck, Ram 3500 drivers should expect to pay $139 per month for car insurance. That’s right on par with the average for all Ram drivers.
ProMaster
The Ram ProMaster is the odd vehicle out on this list. Unlike the Ram 1500, 2500, and 3500, the ProMaster isn’t a truck. Instead, the ProMaster is a utilitarian cargo van designed for commercial uses.
No matter your business needs, you can configure a Ram ProMaster to work for you. Whether you want a van to tote around equipment or need a vehicle to transport multiple passengers, the ProMaster could be the right option for your business.
The versatile cargo van has a surprisingly low MSRP that starts at $32,800. Many businesses can afford to solve their needs at that price point.
But if you purchase the Ram ProMaster, you’ll need to take car insurance costs into consideration. The average ProMaster driver pays $143 per month for car insurance. Although that is the highest average on this list, it makes sense for the nature of this vehicle. Since most ProMaster drivers will be using the vehicle for commercial purposes, the increased usage may lead to more expensive car insurance rates.
Ram Truck Car Insurance Rates by Insurance Company
As you’ve noticed by now, each Ram model has a different average car insurance cost.
In addition to the model you drive, the insurance company you work with can significantly impact your car insurance premiums. With that, let’s take a closer look at the most affordable average monthly premiums of Ram truck car insurance rates by company.
Of course, this is not an exhaustive list. But you can use this list to get an idea of where to start searching for the most affordable car insurance.
| Insurance Company | Monthly Premium |
|---|---|
| Commonwealth Casualty | $61 |
| Sun Coast | $74 |
| Metromile | $75 |
| Direct Auto | $82 |
| Gainsco | $82 |
Commonwealth Casualty offers the most affordable rates on this list averaging $61/mo. Next Sun Coast and Metromile offer similar rates of $74 and $75/mo respectively. Finally, with the most expensive premiums on the list, Direct Auto and Gainsco average $82/mo.
You can use this list to start collecting individual quotes from various car insurance companies. But there is an easier way! The most efficient way of finding the best car insurance rates for your Ram truck is to compare rates across all companies. You can do this quickly with our help! We’ll help you compare rates from 65+ insurance companies in a matter of minutes.
Just enter your zip code below to get started.
Ram Truck Car Insurance Options
When shopping for car insurance for your Ram truck, there are many options to consider. Since there is no single car insurance option that will work for everyone, let’s take a closer look at your options.
Ram Truck Liability Coverage
Liability coverage offers insurance that pays for injuries or property damage resulting from an accident in which you are at fault. You’ll find that both bodily injury and property damage liability coverage is mandatory in most states.
If you are found at fault in an accident that causes injuries or property damage, then liability coverage will be there to help you cover those financial costs.
Ram Truck Collision Coverage
Collision coverage is designed to pay for damages your vehicle sustains. There is often a deductible you’ll have to pay before the insurance company steps in to cover the rest of the damage.
For example, let’s say that your vehicle sustains damage when hitting a stationary object like a mailbox. The cost to repair the vehicle is $5,000. After you pay your $1,000 deductible, the insurance company covers the rest of the cost.
Ram Truck Comprehensive Coverage
Comprehensive coverage offers even more protection for your vehicle. The policy will pay to repair or replace the truck if it is stolen or damaged by an event that didn’t involve a collision.
A few common things that comprehensive should cover include broken windows, fallen trees on your car, flood damage, and damage from a natural disaster.
Ram Truck Underinsured and Uninsured Motorist Coverage
Although not required in all states, uninsured and underinsured motorist coverage can be a smart move. This insurance will pay for your injuries and damage your vehicle sustains when hit by a driver that doesn’t have enough insurance cover, or any at all.
Unfortunately, it is more common than you think to have a run-in with an uninsured driver. In fact, 12.6% of motorists are uninsured. A collision with one of these drivers could lead to major financial implications for you without underinsured and uninsured motorist coverage.
Ram Truck Personal Injury Protection and Medical Payments Coverage
Personal injury protection, or PIP coverage, will pay your medical bills resulting from an accident. It won’t matter who is at fault to receive this coverage. Plus, it can help you cover other expenses such as household help or childcare if you were hurt in an accident.
Although not required everywhere, this could be a good option for some drivers.
Ram Truck Premium Add-on Coverage Options
We’ve covered the main types of insurance. But you can choose to add-on extra options that can further boost your coverage.
Here are some premium add-ons that you might consider adding to your coverage:
- Gap insurance. If you have a car loan, gap insurance is there to cover the cost between what the insurance will pay for your totaled vehicle and the amount you still owe on the loan. This coverage will help you if you have a large loan balance remaining.
- New car replacement. Your insurer will pay for a brand-new vehicle if your new car is totaled with this add-on. Typically, there are mileage limits to this coverage.
- Roadside assistance. If you have car trouble on the side of the road, this add-on will send someone to help you.
- Rental reimbursement. If you are stranded without a vehicle, this coverage will pay for the cost of a rental car.
- Mechanical breakdown. With this insurance, some auto repairs are covered.
- Accident forgiveness. If you are in your first at-fault accident, this coverage will prevent your rates from rising.
- Ridesharing endorsement. As a rideshare driver, this endorsement will provide protection. Without a specific endorsement, your regular policy typically won’t cover you while driving for a rideshare service.
- OEM Endorsement. If you don’t want cheap parts used during a car repair due to an accident, then an OEM endorsement is key. The endorsement ensures that your car is repaired with only original parts after an accident.
- Vanishing deductible. As you drive without accidents, your deductible will shrink each year.
- Pet injury coverage. If your pet is hurt in an accident, this add-on can cover vet bills.
Ram Truck Features That Impact Insurance Cost
As with all vehicles, the features included in your ride can significantly impact your insurance costs. Specifically, the safety features of a given vehicle can dramatically impact your car insurance rates.
After all, your insurance company will view a vehicle chock full of safety features less likely to need repairs or replacements due to a crash. Here are the safety features to look for as you consider your Ram truck options:
- Electronic Stability Control. Electronic Stability Control helps you retain control of the brakes and engine power.
- Electronic Roll Mitigation. This system works to keep your truck centered as you drive.
- 360 Surround View Camera. With this feature, you can use cameras positioned around the entire vehicle to see everything in your surroundings. Plus, when using a trailer, you can take advantage of the 360 Trailer Surround View Camera to avoid obstacles while a trailer is attached.
- Blind Spot Monitoring. The vehicle will alert you if an object is in your blind spot.
- Lane Departure Warning with Lane Keep Assist. If the vehicle senses you drifting, it will alert you. With that, you can avoid unintentional lane drifting.
- Rear Cross Path Detection. When in reverse, this feature will alert you to any cross traffic. Even if you have a trailer in tow, this system will help you safely maneuver in tight spots.
- Enhanced Stopping Power. If you are too close to a stopping vehicle, you’ll receive a forward collision warning. Plus, the vehicle may engage active braking to avoid a collision.
- Digital Trailer Light Check. Active trailer lights are a critical part of a safe ride. Your truck can conduct a trailer light check from the driver’s seat.
- Digital Tire Pressure Monitoring. Low tire pressure can be dangerous. You’ll be able to monitor your tire pressure easily from your dashboard.
- Park Assist. If you want help getting in and out of tight parking spaces easily, you can take advantage of Park Assist. The vehicle can carefully navigate into a Parallel or Perpendicular parking spot.
Not only will the safety features look great in the eyes of the insurance company, but you can also feel comfortable driving a Ram truck.
Other Ways to Save on Your Ram Truck Car Insurance Rates
Ready to start shopping for car insurance for your Ram truck? Here are some ways you can save on car insurance rates.
- Shop around. Work with us to quickly compare your car insurance options across different companies. You might be surprised to find significantly different rates available with each company.
- Raise your deductible. If you want to save on car insurance, raising your deductible could be a good option. But you should make sure to keep that deductible on hand in case of an emergency.
- Maintain good credit. Some insurance companies offer discounts to drivers with good credit.
- Maintain a clean driving record. Driving safely can allow you to keep your car insurance rates lower. A few good tips include sticking to the speed limit and avoiding driving distracted.
- Seek out discounts. You may find a variety of car insurance discounts available as a member of specific groups. Don’t be afraid to hunt around for a deal that could save you big each year!
Although each of these tips will come into play, my biggest tip is to shop around. Luckily, it only takes a few minutes to compare your insurance options with us.
FAQs About Ram Truck Car Insurance
Are Ram Truck cars more expensive to insure?
On average, Ram trucks are more expensive to insure than the average vehicle on the road. The average cost for U.S. drivers is $141 per month for car insurance. But the average Ram driver should expect to pay $141 per month. That makes it 32% more expensive to insure a Ram truck, on average.
But keep in mind that the type of Ram truck you drive will significantly impact the cost. For example, the average cost to insure a Ram 2500 is $136 per month. But the average cost to insure a Ram ProMaster is $143.
Does Ram Truck have their own car insurance?
No, Ram is a car manufacturer. With that, it doesn’t offer car insurance for its vehicles.
But you may find some warranty options with your Ram to cover some repairs. For example, the Ram 2500 currently comes with the following warranties:
- 5-year or 100,000 Diesel Powertrain Limited Warranty
- 5-year or 100,000 Diesel Roadside Assistance
- 5-year or 60,000 Gas Powertrain Limited Warranty
- 5-year or 60,000 Gas Roadside Assistance
These aren’t a replacement for insurance coverage. But they could help you avoid major costs for certain repairs if the vehicle is under warranty.
How much does Ram Truck insurance cost?
The average cost to insure a Ram truck is $141 per month.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more.
As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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