2020 Ram Truck Car Insurance Calculator

See in real-time how changing risk factors impact the cost of insurance for a 2020 Ram Truck. Customize driver gender, whether you're married or single, the state and city you live in, and homeowner status to learn how each affects rates. Instantly see if the change results in higher or lower rates.

The average estimated car insurance premium for a 2020 Ram Truck is $2,180 per year, or about $182 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

$2,180

Cost Per Month

$182

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 2020 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.

$2,180
Average Rate
Your Rate
$2,180

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 2020 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 2020 Ram Truck is $2,180.

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.

2020 Ram Truck vs. the Large Truck Segment

The table below compares insurance rates for the 2020 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.

2020 Ram Truck Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford F150$2,024-$156
2Toyota Tundra$2,094-$86
3GMC Sierra$2,136-$44
2020 Large Truck Average$2,137-$43
4Nissan Titan$2,158-$22
5Ram Truck$2,180--
6Chevrolet Silverado$2,230$50

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.

2020 Truck Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 Ram Truck Insurance Rates by Trim Level
2020 Ram Truck Trim Level Annual Premium Cost Per Month
Classic Regular Cab ST 4WD$1,798$150
Quad Cab Tradesman 4WD$1,920$160
Classic Crew Cab ST 4WD$1,982$165
Classic Quad Cab SLT 4WD$1,982$165
Classic Quad Cab ST 4WD$1,982$165
Crew Cab Tradesman 4WD$1,982$165
Quad Cab Big Horn 4WD$1,982$165
Classic Crew Cab SLT 4WD$2,042$170
Classic Regular Cab SLT 4WD$2,042$170
Crew Cab Big Horn 4WD$2,042$170
Quad Cab Laramie 4WD$2,042$170
Quad Cab Rebel 4WD$2,042$170
Crew Cab Laramie 4WD$2,106$176
Crew Cab Rebel 4WD$2,106$176
Classic Regular Cab ST 2WD$2,114$176
Crew Cab Longhorn 4WD$2,168$181
Crew Cab Limited 4WD$2,230$186
Classic Quad Cab ST 2WD$2,236$186
Classic Regular Cab SLT 2WD$2,236$186
Quad Cab Tradesman 2WD$2,236$186
Classic Crew Cab ST 2WD$2,298$192
Classic Quad Cab SLT 2WD$2,298$192
Crew Cab Tradesman 2WD$2,298$192
Classic Crew Cab SLT 2WD$2,358$197
Crew Cab Big Horn 2WD$2,358$197
Quad Cab Big Horn 2WD$2,358$197
Quad Cab Laramie 2WD$2,358$197
Crew Cab Laramie 2WD$2,422$202
Crew Cab Rebel 2WD$2,422$202
Crew Cab Limited 2WD$2,546$212
Crew Cab Longhorn 2WD$2,546$212

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 2020 Ram Truck for different driver ages.

2020 Ram Truck Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,001$667
17$7,685$640
18$6,758$563
19$6,198$517
20$4,712$393
21$4,489$374
22$3,997$333
23$3,320$277
24$3,120$260
25$2,524$210
30$2,310$193
35$2,244$187
40$2,180$182
45$2,046$171
50$1,946$162
55$1,812$151
60$1,818$152
65$1,938$162
70$2,122$177
75$2,534$211
80$3,134$261

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.