2018 Ram Truck Car Insurance Calculator

See and learn how changes to different risk factors impact car insurance rates for a 2018 Ram Truck. Tweak settings like coverage deductibles, age of the driver, and policy discounts to see how insurance cost is affected. Immediately see if the choices you make are positive or negative.

The average estimated car insurance premium for a 2018 Ram Truck is $2,026 per year, or about $169 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

$2,026

Cost Per Month

$169

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 2018 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.

$2,026
Average Rate
Your Rate
$2,026

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 2018 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 2018 Ram Truck is $2,026.

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.

2018 Ram Truck vs. the Large Truck Segment

The table below compares insurance rates for the 2018 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.

2018 Ram Truck Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford F150$1,798-$228
2Toyota Tundra$1,848-$178
2018 Large Truck Average$1,936-$90
3Nissan Titan$1,958-$68
4GMC Sierra$1,964-$62
5Chevrolet Silverado$2,020-$6
6Ram Truck$2,026--

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.

2018 Truck Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Ram Truck Insurance Rates by Trim Level
2018 Ram Truck Trim Level Annual Premium Cost Per Month
Express 4WD$1,676$140
Tradesman 4WD$1,676$140
Big Horn 4WD$1,730$144
Lone Star 4WD$1,730$144
Quad Cab Express 4WD$1,788$149
Quad Cab Tradesman 4WD$1,788$149
SLT 4WD$1,788$149
Crew Cab Express 4WD$1,842$154
Crew Cab Tradesman 4WD$1,842$154
Quad Cab Big Horn 4WD$1,842$154
Quad Cab Lone Star 4WD$1,842$154
Quad Cab SLT 4WD$1,842$154
Sport 4WD$1,842$154
Crew Cab Lone Star 4WD$1,900$158
Crew Cab SLT 4WD$1,900$158
Crew Cab SSV 4WD$1,900$158
Crew Cab Sport 4WD$1,900$158
Quad Cab Laramie 4WD$1,900$158
Quad Cab Sport 4WD$1,900$158
Crew Cab Laramie 4WD$1,954$163
Crew Cab Rebel 4WD$1,954$163
Tradesman 2WD$1,988$166
Crew Cab Laramie Longhorn 4WD$2,010$168
Crew Cab Longhorn Limited 4WD$2,010$168
Big Horn 2WD$2,100$175
Lone Star 2WD$2,100$175
SLT 2WD$2,100$175
Crew Cab Express 2WD$2,154$180
Crew Cab Tradesman 2WD$2,154$180
Quad Cab Big Horn 2WD$2,154$180
Quad Cab Express 2WD$2,154$180
Quad Cab Lone Star 2WD$2,154$180
Quad Cab SLT 2WD$2,154$180
Quad Cab Tradesman 2WD$2,154$180
Crew Cab Big Horn 2WD$2,212$184
Crew Cab SLT 2WD$2,212$184
Express 2WD$2,212$184
Quad Cab Sport 2WD$2,212$184
Sport 2WD$2,212$184
Crew Cab Laramie 2WD$2,266$189
Crew Cab Sport 2WD$2,266$189
Quad Cab HFE 2WD$2,266$189
Quad Cab Laramie 2WD$2,266$189
Crew Cab Rebel 2WD$2,322$194
Crew Cab Laramie Longhorn 2WD$2,378$198
Crew Cab Longhorn Limited 2WD$2,378$198

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 2018 Ram Truck for different driver ages.

2018 Ram Truck Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,502$625
17$7,188$599
18$6,291$524
19$5,778$482
20$4,383$365
21$4,178$348
22$3,713$309
23$3,093$258
24$2,904$242
25$2,350$196
30$2,148$179
35$2,088$174
40$2,026$169
45$1,906$159
50$1,814$151
55$1,692$141
60$1,698$142
65$1,806$151
70$1,986$166
75$2,378$198
80$2,944$245

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.