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 2024 car, because of more at-fault claims.
2024 Ram 1500, national average
about $2,180 a year (about $180 a month)
roughly $1,600–$2,900
An average 2024 car: about $1,940. An older Ram 1500 costs less (below).
Priced: the 2024 1500 2WD (the newest year our claims data covers), a 45-year-old, clean record, full coverage. Each state moves every car's price by the same share. How we got these.
A used Ram 1500, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 (0–3 years old) | about $2,180 | about $1,240 | +$1,440 | about $6,260 |
| 2022 (4–7 years old) | about $2,070 | about $1,240 | +$1,370 | about $5,940 |
| 2018 (8–12 years old) | about $1,950 | about $1,240 | +$1,280 | about $5,580 |
| 2013 (13 or more years old) | about $1,820 | about $1,240 | +$1,200 | about $5,230 |
We list the Ram 1500 for 2013–2027. How much a car's age takes off is our own estimate. Years before 2022 use the 2022–24 claims results.
The 2024 Ram 1500 runs from about $1,970 a year (1500 4WD) to about $2,180 (1500 HFE 2WD): the claims data differs by drive, body, 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
The Ram 1500 for other drivers on their own policy, a year: 22–25, $2,840; 26–39, $2,420; 65 and older, $2,290.
Adding a 16-year-old with a Ram 1500
A new 16-year-old driving the Ram 1500 adds about $1,440 a year ($120 a month), $160 more than with an average 2024 car.
For adding a teen, the Ram 1500 ranks 22nd most expensive of our 121 car pages.
That's the whole household's bill going up. Cheapest cars to insure for a teen.
Why the Ram 1500 costs what it does
Its insurance claims against an average car's (HLDI):
- Repairs
- about average
- Theft and weather
- about average
- Damage to others
- much higher than average
- Injuries to others
- much higher than average
The part that fixes or replaces the Ram 1500: about $940, against $950 for an average 2024 car (about the same). The part that pays for harm to others: about $1,240, against $990 for an average car (25% more).
By the EPA's size classes it's a full-size pickup, and it's a hybrid. The Highway Loss Data Institute groups it with large pickups.
- The claims data has no separate figures for this hybrid, so we used the gas version's.
Matched to “Ram 1500 crew cab LWB; Ram 1500 crew cab SWB; Ram 1500 quad cab” in HLDI's results.
Similar large pickups
Among these 5 large pickups, the Ram 1500 is the most expensive to insure.
- 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)
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 we never pass your info to anyone. Only an insurer can give you a real price.