2016 Ram Truck Car Insurance Calculator

See in real-time how changes to risk factors and vehicle options affect car insurance rates for a 2016 Ram Truck. Make changes to factors like your marital status, location, and homeowner status to see their effect on premiums. Immediately discover if and why rates increase from the option you changed.

The average estimated car insurance premium for a 2016 Ram Truck is $1,878 per year, or about $157 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,878

Cost Per Month

$157

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Ram Truck Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2016 Ram Truck.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,878
Average Rate
Your Rate
$1,878

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2016 Ram Truck trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2016 Ram Truck is $1,878.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2016 Ram Truck vs. the Large Truck Segment

The table below compares insurance rates for the 2016 Ram Truck against all other models in the large truck segment. The Ram Truck is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Ram Truck, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Ram Truck.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2016 Ram Truck Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford F150$1,646-$232
2Nissan Titan$1,746-$132
2016 Large Truck Average$1,809-$69
3Toyota Tundra$1,814-$64
4Chevrolet Silverado$1,866-$12
5Ram Truck$1,878--
6GMC Sierra$1,906$28

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2016 Truck Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 Ram Truck.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2016 Ram Truck Insurance Rates by Trim Level
2016 Ram Truck Trim Level Annual Premium Cost Per Month
Express 4WD$1,704$142
Tradesman 4WD$1,704$142
Express 2WD$1,740$145
Tradesman 2WD$1,740$145
Quad Cab Express 4WD$1,768$147
Quad Cab Tradesman 4WD$1,768$147
SLT 4WD$1,768$147
Tradesman 4WD Diesel$1,768$147
Big Horn 4WD$1,816$151
Crew Cab Express 4WD$1,816$151
Crew Cab SSV 4WD$1,816$151
Crew Cab Tradesman 4WD$1,816$151
Lone Star 4WD$1,816$151
Quad Cab Express 4WD Diesel$1,816$151
Quad Cab Outdoorsman 4WD$1,816$151
Quad Cab SLT 4WD$1,816$151
Quad Cab Tradesman 4WD Diesel$1,816$151
Sport 4WD$1,816$151
HFE 2WD$1,838$153
Quad Cab Express 2WD$1,838$153
Quad Cab Tradesman 2WD$1,838$153
SLT 2WD$1,838$153
Tradesman 2WD Diesel$1,838$153
Crew Cab Tradesman 2WD$1,862$155
Crew Cab Big Horn 4WD$1,864$155
Crew Cab Express 4WD Diesel$1,864$155
Crew Cab Lone Star 4WD$1,864$155
Crew Cab Outdoorsman 4WD$1,864$155
Crew Cab SLT 4WD$1,864$155
Crew Cab SSV 4WD Diesel$1,864$155
Crew Cab Tradesman 4WD Diesel$1,864$155
Quad Cab Big Horn 4WD$1,864$155
Quad Cab Laramie 4WD$1,864$155
Quad Cab Lone Star 4WD$1,864$155
Quad Cab Outdoorsman 4WD Diesel$1,864$155
Quad Cab SLT 4WD Diesel$1,864$155
Quad Cab Sport 4WD$1,864$155
SLT 4WD Diesel$1,864$155
Big Horn 2WD$1,884$157
Crew Cab Express 2WD$1,884$157
Lone Star 2WD$1,884$157
Quad Cab SLT 2WD$1,884$157
Quad Cab Tradesman 2WD Diesel$1,884$157
SLT 2WD Diesel$1,884$157
Sport 2WD$1,884$157
Crew Cab Laramie 4WD$1,890$158
Crew Cab Rebel 4WD$1,914$160
Crew Cab SLT 4WD Diesel$1,914$160
Crew Cab Sport 4WD$1,914$160
Quad Cab Big Horn 4WD Diesel$1,914$160
Quad Cab Laramie 4WD Diesel$1,914$160
Quad Cab Lone Star 4WD Diesel$1,914$160
Crew Cab Big Horn 2WD$1,934$161
Crew Cab Lone Star 2WD$1,934$161
Crew Cab SLT 2WD$1,934$161
Quad Cab Big Horn 2WD$1,934$161
Quad Cab Express 2WD Diesel$1,934$161
Quad Cab HFE 2WD$1,934$161
Quad Cab Laramie 2WD$1,934$161
Quad Cab Lone Star 2WD$1,934$161
Quad Cab SLT 2WD Diesel$1,934$161
Quad Cab Sport 2WD$1,934$161
Crew Cab Laramie 4WD Diesel$1,938$162
Crew Cab Laramie Longhorn 4WD$1,962$164
Crew Cab Laramie 2WD$1,982$165
Crew Cab Rebel 2WD$1,982$165
Crew Cab Sport 2WD$1,982$165
Quad Cab Laramie 2WD Diesel$1,982$165
Quad Cab Lone Star 2WD Diesel$1,982$165
Crew Cab Longhorn Limited 4WD$1,984$165
Crew Cab Laramie Longhorn 4WD Diesel$2,010$168
Crew Cab Laramie Longhorn 2WD$2,032$169
Crew Cab Longhorn Limited 2WD$2,078$173

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2016 Ram Truck for different driver ages.

2016 Ram Truck Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,971$581
17$6,665$555
18$5,808$484
19$5,347$446
20$4,051$338
21$3,863$322
22$3,429$286
23$2,869$239
24$2,688$224
25$2,176$181
30$1,988$166
35$1,938$162
40$1,878$157
45$1,770$148
50$1,684$140
55$1,570$131
60$1,574$131
65$1,676$140
70$1,848$154
75$2,218$185
80$2,746$229

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Ram Truck trim levels.