How much is insurance on a Ram 1500?
A 2024 Ram 1500 runs about $2,180 a year for a typical 45-year-old, $240 more than an average car of the same age, because of more injury claims and more damage to others' property. Putting a new 16-year-old on a family policy with the 1500 adds about $1,440 a year (#5 of 5 large pickups we compare).
2024 Ram 1500 (1500 2WD), national average
about $2,180 a year (about $180 a month)
Estimated range: $1,600–$2,900. Actual quotes can fall outside it.
An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 1500 drops to about $1,590 (see the table below).
Priced for the 2024 1500 2WD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Ram 1500's rank is the same in every state.
Why the Ram 1500 costs what it does
What HLDI reports (2022–24 models, all drivers combined)
The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. HLDI lists this model as 3 versions (Ram 1500 crew cab LWB, Ram 1500 crew cab SWB and Ram 1500 quad cab). Taking the middle of them, on HLDI's scale where 100 is an average car and lower is better, it reports 99 for crash repairs, 95 for non-crash damage, 136 for damage to others' property, and 161 for injury claims.
- Crash repairs (collision)fixing this car after a crashAverage1% better than averageworst of the 5 large pickups we compare
- Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage5% better than average3rd best of the 5 large pickups we compare
- Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultWorse than average36% worse than average4th best of the 5 large pickups we compare
- Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costSubstantially worse than averagefiled 61% more often than averageworst of the 5 large pickups we compare
HLDI rates results within about 20% of average as “Average.”
Source: HLDI, insurance losses by make and model, 2022–24 models.
What we estimate that means for price
Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Ram 1500 comes out about 2% better than average. We count about half of that difference, so the part of the bill that fixes the car is about 1% less than average: about $940 a year vs $950. On the liability side, damage to others and injury claims combine to about 50% worse than average. Counting about half would go past the band insurers' own car ratings stay inside, so we hold that part at 25% more than average: $1,240 a year vs $990.
By EPA size class the Ram 1500 is a full-size pickup with a hybrid powertrain, and HLDI tracks the 1500 alongside large pickups.
- HLDI's loss data has no separate figures for this hybrid, so we used the gas version's.
Matched to HLDI series “Ram 1500 crew cab LWB; Ram 1500 crew cab SWB; Ram 1500 quad cab” (HLDI, 2022–24 models).
A used Ram 1500, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 1500 2WD (0–3 years old) | about $2,180 | about $1,240 | +$1,440 | about $6,260 |
 2022 1500 2WD (4–7 years old) | about $2,070 | about $1,240 | +$1,370 | about $5,940 |
 2018 1500 2WD (8–12 years old) | about $1,770 | about $1,070 | +$1,170 | about $5,070 |
 2013 1500 2WD (13 or more years old) | about $1,590 | about $1,010 | +$1,050 | about $4,560 |
Our catalog covers the Ram 1500 across model years 2013–2027. Full coverage on a used 2013 1500 (13 or more years old) runs about $1,590 a year, $590 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $1,010 a year. Each photo shows that year's generation of the car. Photo credits.
Across 2024 Ram 1500 trims, full coverage goes from about $1,970 a year on the 1500 4WD to about $2,180 on the 1500 HFE 2WD, because HLDI's loss results differ by body, drive, or powertrain.
- 1500 4WD; 1500 TRX 4WD: about $1,970
- 1500 Classic 4WD: about $2,150
- 1500 2WD; 1500 Classic 2WD; 1500 HFE 2WD: about $2,180
On a policy of their own with a 2024 Ram 1500, a 22–25-year-old pays about $2,840 a year ($660 more than a 45-year-old), a 26–39-year-old about $2,420, and a driver 65 and older about $2,290.
Adding a 16-year-old with a Ram 1500
A new driver costs more with any car, and more than usual with the Ram 1500: adding a 16-year-old raises the family bill by about $1,440 a year ($120 a month), $160 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $6,260 a year ($4,820 more than adding them to the family policy).
For adding a teen driver, the Ram 1500 ranks 22nd most expensive out of all 121 models we track. Stepping down to a used 2013 1500 (13 or more years old) brings the teen add-on to about $1,050 a year.
That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.
Similar large pickups
Among these 5 large pickups, the Ram 1500 is the most expensive to insure. Just below it is the Chevrolet Silverado, at about $2,130 a year.
2024 Toyota Tundraabout $1,920 ($260 less)
2024 Ford F-150about $1,990 ($190 less)
2024 GMC Sierraabout $2,010 ($170 less)
2024 Chevrolet Silveradoabout $2,130 (about the same)- 2024 Ram 1500about $2,180 (this car)
Photos from Wikimedia Commons contributors. Photo credits.
What a Ram 1500 costs in your state
In six sample states, a 2024 Ram 1500 runs from about $1,490 a year in Idaho through Wyoming, Virginia, Massachusetts and Colorado to about $2,870 in New York:
- Idahoabout $1,490/yr · +$980 teen
- Wyomingabout $1,790/yr · +$1,180 teen
- Virginiaabout $1,880/yr · +$1,240 teen
- Massachusettsabout $2,140/yr · +$1,410 teen
- Coloradoabout $2,510/yr · +$1,660 teen
- New Yorkabout $2,870/yr · +$1,900 teen
All 50 states and DC · Updated .
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.