Ram 1500 Insurance Cost
The Ram 1500 is a full-size truck with an average insurance cost of $1,820/yr. It carries a 5/5 NHTSA safety rating and high theft risk. See how costs break down by year below.
Quote My 1500$1,820/yr
Avg. Annual Insurance
5/5 NHTSA
Safety Rating
High
Theft Risk
Full-size Truck
Body Type
Insurance Cost by Year — Ram 1500
About Ram 1500 Insurance
The Ram 1500 is a popular full-size truck that averages $1,820/yr in annual insurance premiums. This places it above the national average of approximately $1,770 per year.
With a 5/5 NHTSA safety rating, the 1500 is considered a very safe vehicle by insurers. Strong safety ratings can qualify you for discounts with many carriers. The high theft risk also contributes to higher comprehensive coverage premiums.
Insurance costs vary by model year — newer 1500s (2026-2025) cost about 5-10% more due to higher replacement values, while older models (2020-2021) can be 10-15% cheaper as they depreciate.
Frequently Asked Questions
How much does Ram 1500 insurance cost?
The average insurance cost for a Ram 1500 is $1,820/yr. Actual rates vary based on your model year, driving record, location, and coverage levels. Newer model years cost 5-10% more while older years can be 5-15% cheaper.
Is the Ram 1500 expensive to insure?
Compared to the national average of about $1,770/yr, the Ram 1500 at $1,820/yr is above average in insurance cost. As a full-size truck, it falls within the typical range for its class.
What is the Ram 1500's safety rating?
The Ram 1500 has a 5/5 NHTSA safety rating. Strong safety ratings can help lower your insurance premiums, as vehicles with better crash protection result in fewer and less severe injury claims.
Is the Ram 1500 a theft target?
The Ram 1500 has a high theft risk rating. Higher theft risk means comprehensive coverage will be more expensive. Consider anti-theft devices for potential discounts.
How can I get cheap Ram 1500 insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), consider a higher deductible, maintain a clean driving record, bundle auto and home insurance, and ask about discounts for safety features, good student status, or low mileage.
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