2026 Ram 1500 Insurance Cost
The 2026 Ram 1500 averages $1,970/yr in annual insurance premiums. At brand new, this full-size truck costs $150 more than the model's overall average of $1,820/yr.
Quote My 2026 1500$1,970/yr
Avg. Annual Insurance
5/5 NHTSA
Safety Rating
High
Theft Risk
Full-size Truck
Body Type
brand new
Vehicle Age
Insurance Tips for Your 2026 Ram 1500
Since the 2026 1500 is brand new, consider gap insurance to cover the difference between your loan balance and the car's value if it's totaled.
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
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