Ram Insurance Cost — Average Rates by Model
Ram trucks are known for their refined interiors, powerful towing capabilities, and innovative features like the multifunction tailgate. Insurance costs for Ram trucks are moderate for the full-size truck segment.
Get a Ram Insurance Quote$1,820/yr
Average Annual Cost
United States
Country of Origin
4
Models Compared
$1,750/yr
Cheapest (ProMaster)
About Ram Insurance
Ram trucks are known for their refined interiors, powerful towing capabilities, and innovative features like the multifunction tailgate. Insurance costs for Ram trucks are moderate for the full-size truck segment.
Insurance costs for Ram vehicles range from $1,750/yr for the ProMaster (Commercial Van) to $1,980/yr for the 2500 (Heavy-Duty Truck). The model you choose is one of the biggest factors — a ProMaster can save you $230 per year compared to a 2500.
Frequently Asked Questions
How much does Ram insurance cost on average?
The average Ram insurance premium is $1,820/yr. Costs range from $1,750/yr for the ProMaster to $1,980/yr for the 2500, depending on the model, year, and your personal driving profile.
What is the cheapest Ram to insure?
The Ram ProMaster is typically the cheapest to insure at an average of $1,750/yr. Its commercial van classification, 4/5 NHTSA safety rating, and low theft risk all contribute to lower premiums.
What is the most expensive Ram to insure?
The Ram 2500 has the highest average insurance cost at $1,980/yr. As a heavy-duty truck, it has higher repair costs and replacement value, which drives up premiums.
Does Ram's safety rating affect insurance?
Yes. Ram vehicles generally earn strong safety ratings, which can qualify you for insurance discounts. Models with IIHS Top Safety Pick+ ratings may see lower premiums compared to vehicles with lower ratings.
How can I save on Ram insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), choose a model with lower insurance costs, maintain a clean driving record, bundle your auto and home policies, and ask about available discounts like safe driver or anti-theft device discounts.
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