2022 Ram Truck Car Insurance Calculator

Get instant feedback how the choices you make impact the cost of insurance for a 2022 Ram Truck. Modify choices like driver gender, whether you're married or single, the state and city you live in, and homeowner status. Instantly see how much rates change and learn why.

The average estimated car insurance premium for a 2022 Ram Truck is $2,438 per year, or about $203 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

$2,438

Cost Per Month

$203

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 2022 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.

$2,438
Average Rate
Your Rate
$2,438

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 2022 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 2022 Ram Truck is $2,438.

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.

2022 Ram Truck vs. the Large Truck Segment

The table below compares insurance rates for the 2022 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.

2022 Ram Truck Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford F150$2,066-$372
2GMC Sierra$2,178-$260
3Nissan Titan$2,256-$182
4Chevrolet Silverado$2,296-$142
5Toyota Tundra$2,304-$134
2022 Large Truck Average$2,323-$115
6Ram Truck$2,438--
7GMC Hummer EV Pickup$2,722$284

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.

2022 Truck Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 Ram Truck Insurance Rates by Trim Level
2022 Ram Truck Trim Level Annual Premium Cost Per Month
Tradesman Regular Cab 4WD$2,132$178
Express Regular Cab 4WD$2,164$180
Tradesman Quad Cab 4WD$2,192$183
Express Quad Cab 4WD$2,226$186
Tradesman Crew Cab 4WD$2,238$187
Express Crew Cab 4WD$2,266$189
Big Horn Quad Cab 4WD$2,266$189
Warlock Crew Cab 4WD$2,272$189
Warlock Quad Cab 4WD$2,306$192
Big Horn Crew Cab 4WD$2,306$192
Tradesman Regular Cab 2WD$2,334$195
Laramie Crew Cab 4WD$2,360$197
Express Regular Cab 2WD$2,372$198
Rebel Crew Cab 4WD$2,374$198
Big Horn BackCountry Crew Cab 4WD$2,386$199
Limited Longhorn Crew Cab 4WD$2,426$202
Tradesman Quad Cab 2WD$2,448$204
Rebel GT Crew Cab 4WD$2,458$205
Laramie GT Crew Cab 4WD$2,460$205
Limited Crew Cab 4WD$2,460$205
Tradesman HFE Quad Cab 2WD$2,480$207
Express Quad Cab 2WD$2,488$207
Tradesman Crew Cab 2WD$2,500$208
TRX Crew Cab 4WD$2,532$211
Express Crew Cab 2WD$2,536$211
Big Horn Quad Cab 2WD$2,536$211
Warlock Crew Cab 2WD$2,540$212
TRX Level 1 Crew Cab 4WD$2,546$212
TRX Level 2 Crew Cab 4WD$2,572$214
Warlock Quad Cab 2WD$2,582$215
Big Horn Crew Cab 2WD$2,582$215
TRX Ignition Edition Crew Cab 4WD$2,594$216
Tradesman HFE Crew Cab 2WD$2,602$217
Laramie Crew Cab 2WD$2,642$220
Rebel Crew Cab 2WD$2,660$222
Limited Longhorn Crew Cab 2WD$2,722$227
Limited Crew Cab 2WD$2,756$230

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 2022 Ram Truck for different driver ages.

2022 Ram Truck Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,830$736
17$8,516$710
18$7,555$630
19$6,907$576
20$5,268$439
21$5,026$419
22$4,488$374
23$3,708$309
24$3,494$291
25$2,832$236
30$2,596$216
35$2,510$209
40$2,438$203
45$2,288$191
50$2,172$181
55$2,026$169
60$2,030$169
65$2,164$180
70$2,356$196
75$2,792$233
80$3,446$287

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.