2021 Ram 1500 Insurance Cost
The 2021 Ram 1500 averages $1,550/yr in annual insurance premiums. At 5 years old, this full-size truck costs $270 less than the model's overall average of $1,820/yr.
Quote My 2021 1500$1,550/yr
Avg. Annual Insurance
5/5 NHTSA
Safety Rating
High
Theft Risk
Full-size Truck
Body Type
5 years old
Vehicle Age
Insurance Tips for Your 2021 Ram 1500
At 5 years old, the 2021 1500 has depreciated enough that you might consider dropping comprehensive coverage if the car's value is low — but check your loan requirements first.
The 1500 has a high theft risk. Installing an anti-theft device or GPS tracker can qualify you for a 5-15% discount on comprehensive coverage.
With a 5/5 NHTSA safety rating, ask your insurer about safety feature discounts — many carriers offer 5-10% off for vehicles with advanced driver assistance systems.
Bundle your auto and home (or renters) insurance to save 10-25% on both policies.
Compare quotes from at least 3-5 carriers. Rates for the same vehicle can vary by $500+ between companies.
Frequently Asked Questions
How much does 2021 Ram 1500 insurance cost?
A 2021 Ram 1500 costs an average of $1,550/yr to insure. This is $270 less than the model's overall average of $1,820/yr because older vehicles have lower replacement values.
Is the 2021 Ram 1500 safe?
The Ram 1500 carries a 5/5 NHTSA safety rating. While this model year may lack some newer safety technologies, it still offers solid crash protection.
Should I get full coverage on a 2021 Ram 1500?
It depends on your car's current value. A 5 years old 1500 has depreciated but may still be worth protecting with full coverage, especially if you have a loan.
Why is 2021 Ram 1500 insurance cheaper than average?
Older vehicles are cheaper to insure because they've depreciated significantly. The lower replacement value means insurers pay out less on total loss claims.
How can I save on my 2021 Ram 1500 insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), raise your deductible to $1,000, maintain a clean driving record, bundle policies, and take advantage of discounts for safety features, low mileage, or good student status.
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