+120 more)
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her work has appeared on The Huffington Post, Business Insider, Kiplinger’s, MSN Money, and The Washington Post, and she’s been writing for Compare.com since 2023. Her background in education allows her to help people relate to and understand complex financial topics.
She’s the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand-new book, Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
)
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The Ram 1500 pickup combines practicality with comfort, but its base price is higher than its direct competitors, the Ford F-150, Chevrolet Silverado, and GMC Sierra. A 2025 Ram 1500 starts at $42,270, while its closest rivals boast a base price below $40,000.
This higher base price may explain why Ram drivers pay slightly more for car insurance — on average, $112 per month for liability insurance and $207 per month for full coverage.
You can still find cheap car insurance for your Ram 1500, but your costs will vary based on the coverage you choose, your age, where you live, and more.
Below, we break down the best car insurance companies for the Dodge Ram 1500, its average rates, and how to find cheaper coverage.
Mile Auto, Certainly, and Root are three of the cheapest insurance companies for Ram 1500 trucks.
Ram 1500 drivers pay an average of $112 monthly for liability-only insurance and $207 for full coverage.
Mile Auto offers the cheapest car insurance for Ram trucks, at an average monthly rate of $77 for liability-only.
Your car insurance rates largely depend on the type of policy you choose. Liability insurance pays for the other driver’s injuries and property damage if you cause an accident.[1] A full-coverage policy, on the other hand, includes liability insurance as well as comprehensive coverage and collision insurance, which pay to repair your vehicle.[2]
The table below shows the average monthly rates Ram 1500 drivers pay for several types of coverage compared to the national average, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Ram 1500 | $112 | $207 | $160 |
| All vehicles | $107 | $197 | $152 |
Ram 1500 drivers pay an average of $112 per month for liability-only coverage and $207 for full coverage, according to our research.
But the vehicle you drive is only one factor affecting the cost of your insurance. Rates can vary greatly depending on your Ram’s trim level, your age, where you live, your driving history, and more.
The average cost of car insurance for a Ram 1500 is just slightly higher than the national average. But regardless of average rates, you can still find ways to save some serious cash.
Check out the five cheapest insurers for Ram 1500 drivers in the table below, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $77 |
| Certainly | $81 |
| Root | $87 |
| Just Insure | $94 |
| Safeco | $106 |
Mile Auto offers the cheapest Ram 1500 insurance, with an average monthly premium of just $77. But just because Mile Auto is the cheapest =for the average Ram 1500 driver doesn’t mean it’ll be the cheapest for you.
You’ll need to compare quotes from multiple insurers to find the coverage you need at the best rate.
Compare quotes from America’s cheapest insurers.
)
No single car insurance company is the best insurer for every driver. The vehicle you drive affects your insurance rates, as do factors like your driving history, age, gender, ZIP code, and credit history.[3]
We chose the following companies as the best for Ram owners based on a combination of coverages offered, available discounts, and customer satisfaction ratings.
Compare.com Rating: 4.62 out of 5
Many available discounts
Accident forgiveness available
Higher-than-average claims satisfaction
No discounts for vehicle safety or anti-theft features
Telematics may increase premiums
Complaints about delayed claims payments
Liberty Mutual may be a good fit if you need only state-minimum coverage. Besides offering RightTrack — a usage-based app that can save you up to 30% — the company earns high marks on the J.D. Power 2024 U.S. Auto Claims Satisfaction Study.[4]
That said, Liberty Mutual has a low customer review rating with the Better Business Bureau (BBB) and Trustpilot. Several reviewers mention the long claims process and delayed payments. Additionally, enrolling in RightTrack could increase your rate if you don’t always drive safely.
Compare.com Rating: 4.93 out of 5
Broad selection of available discounts
Available in all 50 states
Telematics program rewards safe driving
Potential issues with telematics apps
Reportedly show claims process
Consistent complaints about customer service
Allstate rewards safe drivers through its Drivewise program, allowing you to earn a safe driving discount for every six months you remain accident-free. If you have a new Ram 1500, you can also save money with Allstate’s new-car discount.
Although the Drivewise mobile app can save you money, many users complain that it’s inconsistent and buggy and quickly drains your phone’s battery. It’s also worth noting that Allstate has low customer reviews on Trustpilot and with the BBB, and it scored below average on the J.D. Power 2024 U.S. Auto Claims Satisfaction Study.
Compare.com Rating: 4.73 out of 5
Many available discounts
24/7 customer service and claims availability
Lower-than-average number of complaints
Higher rates than competitors
Snapshot program increases rates for 20% of drivers
No new-car replacement coverage
If you have tickets, accidents, or other moving violations on your record, you may face higher insurance premiums or struggle to find good coverage options. Progressive is known for offering competitive rates to high-risk drivers, and it offers several discounts to help you save money, too.
Progressive’s customer service is available 24/7/365, and requesting a quote is easy. And though Progressive has a slightly lower-than-expected number of consumer complaints with the National Association of Insurance Commissioners (NAIC), online reviews are much less favorable. It also receives below-average claims satisfaction scores on the J.D. Power 2024 U.S. Auto Claims Satisfaction Study.
Comparing quotes saves users an average of $867 per year.†
Your vehicle’s model year indirectly affects your insurance premiums. Generally, newer cars cost more to insure because they’re typically worth more than older vehicles.
The following table shows average monthly premiums and the cheapest insurer by model year, according to Compare.com data.
1500 Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2024 | $190 | Mile Auto | $82 |
| 2023 | $191 | Mile Auto | $85 |
| 2022 | $179 | Mile Auto | $93 |
| 2021 | $176 | Mile Auto | $82 |
| 2020 | $171 | Mile Auto | $87 |
| 2019 | $174 | Mile Auto | $81 |
| 2018 | $159 | Mile Auto | $68 |
| 2017 | $156 | Certainly | $68 |
| 2016 | $152 | Certainly | $68 |
| 2015 | $141 | Certainly | $65 |
Model year is just one factor affecting your premium — insurers also consider where you live. Let’s take a closer look at how that affects average rates for half-ton Ram trucks.
Insurance premiums for the same vehicle can vary widely from one location to another, even within the same state. Factors like state-minimum coverage requirements, accident statistics, crime rates, and weather patterns all contribute to how much you pay.
Below is the average cost to insure a Ram 1500 in every state, based on our research.
State | Average Monthly Premium |
|---|---|
| Alabama | $105 |
| Arizona | $141 |
| Arkansas | $202 |
| California | $203 |
| Colorado | $165 |
| Connecticut | $320 |
| Delaware | $195 |
| Florida | $206 |
| Georgia | $209 |
| Idaho | $106 |
| Illinois | $131 |
| Indiana | $113 |
| Iowa | $96 |
| Kansas | $129 |
| Kentucky | $206 |
| Louisiana | $190 |
| Maine | $125 |
| Maryland | $290 |
| Massachusetts | $159 |
| Michigan | $247 |
| Minnesota | $159 |
| Mississippi | $159 |
| Missouri | $154 |
| Montana | $128 |
| Nebraska | $148 |
| Nevada | $251 |
| New Hampshire | $97 |
| New Jersey | $167 |
| New Mexico | $122 |
| New York | $405 |
| North Carolina | $79 |
| North Dakota | $122 |
| Ohio | $107 |
| Oklahoma | $136 |
| Oregon | $135 |
| Pennsylvania | $138 |
| Rhode Island | $121 |
| South Carolina | $231 |
| South Dakota | $102 |
| Tennessee | $119 |
| Texas | $187 |
| Utah | $153 |
| Vermont | $114 |
| Virginia | $152 |
| Washington | $118 |
| Washington, D.C. | $239 |
| West Virginia | $122 |
| Wisconsin | $107 |
| Wyoming | $102 |
Besides your location, your age also affects how much you pay to insure your vehicle.
){kind=logo}
Age is one of the main factors insurers use to determine rates.. Teen drivers are more likely to have accidents than any other age group, according to the U. S. Centers for Disease Control and Prevention, so they pay the highest rates.[5] But as you gain more experience behind the wheel, you’re less likely to make impulsive decisions on the road, and your rates decrease.
The table below shows monthly premiums by age group, according to Compare.com data.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $300 | Mile Auto | $145 |
| 20s | $206 | Mile Auto | $99 |
| 30s | $160 | Mile Auto | $77 |
| 40s | $146 | Mile Auto | $70 |
| 50s | $131 | Mile Auto | $63 |
| 60s | $123 | Mile Auto | $59 |
| 70s | $132 | Mile Auto | $64 |
Teen drivers have the highest rates of any age demographic, and rates drop substantially once you reach your 20s, 30s, and beyond.
Auto insurance prices continue to decrease as you age, with Ram 1500 drivers in their 60s paying the lowest rates of any age group. But they tend to increase again once you reach age 70, since senior drivers are more likely to experience some age-related declines in reflexes and reaction times.[6]
Either way, our research found that Mile Auto offers the cheapest average rates, regardless of age.
Your driving record is the most significant factor affecting your car insurance premium.[7] That’s because you’re statistically more likely to file a claim if you’ve had accidents, speeding tickets, or DUIs. Drivers with a clean record are more likely to find cheap insurance, but people with a spottier history can expect to pay much more.
See how your driving history affects Ram 1500 insurance costs in the table below, based on our data.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $160 | Mile Auto | $77 |
| Speeding ticket | $222 | Mile Auto | $107 |
| At-fault accident | $231 | Mile Auto | $111 |
| DUI | $262 | Mile Auto | $127 |
Your average insurance rates increase substantially if you receive a speeding ticket, cause an accident, or get a DUI. Still, Mile Auto offers the cheapest average rates for each category, according to our research.
)
The Ram 1500 has nine distinct trim levels, ranging from the basic Tradesman at the cheaper end to the luxe Tungsten. And the base prices are quite different between them — ranging from $42,270 to $89,150.[8] Since your truck’s value affects your insurance rate, your trim choice will influence how much you pay.
Each make, model, and trim level comes with standard safety features that could help reduce your annual costs. Specifically, driver assistance technology — like the Ram’s automated emergency braking and blind-spot monitoringt — can often earn you a discount.
)
You can lower your Ram 1500 insurance premiums with the following strategies:[9]
Review your coverage needs. The types of coverage you choose for your Ram 1500 affect your premiums. Most Ram drivers should consider full coverage for maximum protection. But if you have an older Ram that you can afford to replace, you may need only liability coverage.
Keep a clean driving record. Insurance companies reward safe driving with lower premiums. You’ll get the best rates by avoiding tickets, at-fault accidents, and DUIs.
Increase your deductible. Your deductible is the amount you pay out of pocket before your insurance kicks in. Increasing your deductible will reduce your premiums, but make sure you can afford the extra cost if you need to file a claim.
Bundle your insurance. Buying your home and car insurance from the same company will often lower your premium for both policies.
Compare insurance quotes. Shopping around among multiple insurers is the best way to find the cheapest insurance company. Comparing quotes each time your policy renews ensures you get the cheapest rates.
Compare personalized quotes from America’s top insurers.
Below are answers to common questions about insuring Ram trucks.
The average cost to insure a half-ton Ram truck is just slightly higher than the national average — $112 per month for liability-only coverage and $207 for full coverage. The national average for all vehicles is $107 and $197, respectively.
Although Rams are relatively expensive to buy new, average insurance premiums are only slightly higher than the national average for all vehicles. Comparing quotes from several companies each time your policy renews can ensure you’re getting the cheapest rate.
The average insurance cost for a 2017 Dodge Ram 1500 is around $156 per month, but you can probably find cheaper options. If you drive a 2017 Ram, you may pay more or less for your insurance depending on the insurer you choose, as well as your location, driving history, age, and other factors.
Pickup trucks are typically less expensive to insure than other vehicles, according to Compare.com data. The average truck costs around $135 per month to insure, while the national average for all vehicles is $152, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her work has appeared on The Huffington Post, Business Insider, Kiplinger’s, MSN Money, and The Washington Post, and she’s been writing for Compare.com since 2023. Her background in education allows her to help people relate to and understand complex financial topics.
She’s the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand-new book, Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
)
)
