Ford F150 vs Ram 1500 Insurance – Which is Cheaper?

Does the Ford F150 or the Ram 1500 have cheaper car insurance? We compared average rates for the 2015 through 2023 model years to come up with an answer.

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  • For 2023 models, a Ford F150 has cheaper car insurance rates than a Ram Truck by an average of $140 per year.
  • Average car insurance cost per month for the Ram Truck is 6.9% more expensive than the Ford F150, at $154 versus $165, a difference of $11.
  • Out of seven models in the 2023 large truck segment, the Ford F150 ranks second and the Ram Truck ranks fifth for cheapest car insurance cost.

Does insurance cost less for a Ford F150 or Ram 1500?

Car insurance rates for a 2023 Ford F150 cost an average of $1,842 per year, while insurance for a 2023 Ram Truck costs an average of $1,982 per year, making the Ford F150 the model with the cheapest overall car insurance rates.

For a 2023 Ford F150, the cheapest models are the XL Super Cab 4WD, XL Regular Cab, and XL Super Cab. The cheapest Ram Truck models include the Tradesman Quad Cab 4WD, Tradesman Crew Cab 4WD, and Big Horn Quad Cab 4WD.

On a monthly basis, car insurance rates for all 2023 Ford F150 and Ram Truck models and trims range from $131 to $181 per month.

The next table ranks the annual and monthly cost of car insurance for 2023 Ford F150 and Ram Truck models, showing average cost for every trim level.

2023 Ford F150 vs Ram Truck Insurance Cost by Trim Level
Model and Trim Level Annual Cost Monthly Cost
$1,572$131
$1,602$134
$1,680$140
$1,690$141
$1,702$142
$1,716$143
$1,744$145
$1,758$147
$1,768$147
$1,772$148
$1,796$150
$1,796$150
$1,800$150
$1,820$152
$1,834$153
$1,836$153
$1,868$156
$1,868$156
$1,878$157
$1,890$158
$1,900$158
$1,902$159
$1,902$159
$1,910$159
$1,916$160
$1,922$160
$1,930$161
$1,936$161
$1,940$162
$1,942$162
$1,962$164
$1,966$164
$1,974$165
$1,988$166
$1,992$166
$1,998$167
$2,000$167
$2,006$167
$2,018$168
$2,034$170
$2,080$173
$2,086$174
$2,096$175
$2,112$176
$2,132$178
$2,140$178
$2,168$181

Get Rates in Your AreaWhy is this important?

Table Data Details: Average annual and monthly cost assumes a clean driving record and no at-fault accidents for a 40-year-old driver rated on a 2023 Ford F150 and a 2023 Ram Truck. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
2023 Ford F150 vs Ram Truck Insurance Cost by Trim Level

The chart below visualizes the average cost to insure the two models rated for a variety of different driver ages. The average car insurance cost ranges from $1,674 to $3,636 per year for a 2023 Ford F150, and $1,802 to $3,930 for a 2023 Ram Truck for the included age groups.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2023 Ford F150 and a 2023 Ram Truck with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Ford F150 and Ram Truck trim levels.Data last updated on August 12, 2023
2023 Ford F150 vs. 2023 Ram Truck Insurance Cost
2023 Ford F150 vs. Ram Truck Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$3,636$1,940$1,842$1,674
Ram Truck$3,930$2,078$1,982$1,802

For the 27 trim levels available for the 2023 Ford F150, the cheapest trim level to insure is the XL Super Cab 4WD model at an average cost of $1,572 per year, or $131 per month.

For the 20 trims available for the Ram Truck, the cheapest 2023 model to insure is the Tradesman Quad Cab 4WD trim at a cost of $1,758.

When average insurance prices for all 47 trim levels for both vehicles are compared, the cheapest trim to insure is the Ford F150 XL Super Cab 4WD at an average rate of $1,572 per year. The highest-cost model and trim is the Ram Truck Limited Crew Cab 2WD costing an average of $2,168 per year.

The next two rate tables illustrate all the available trims for both 2023 models, including an overall average cost for each model. The winner for the 2023 car insurance rate comparison is the Ford F150.

2023 Ford F150

$1,842

Insurance Rates by Trim Level for 2023 Ford F150
2023 Ford F150 TrimsRate
XL Super Cab 4WD$1,572
XL Regular Cab1,602
XL Super Cab1,680
XLT Regular Cab 4WD1,690
XL Regular Cab 4WD1,702
XL SuperCrew1,716
XLT Regular Cab1,744
XLT Super Cab1,768
XL SuperCrew 4WD1,772
XLT SuperCrew1,796
XLT Super Cab 4WD1,796
XLT SuperCrew 4WD1,820
Lightning Pro1,834
Lariat SuperCrew1,878
Lightning XLT1,890
Lariat SuperCrew 4WD1,902
Tremor SuperCrew 4WD1,902
King Ranch SuperCrew1,910
Platinum SuperCrew1,922
King Ranch SuperCrew 4WD1,930
Platinum SuperCrew 4WD1,940
Lightning Lariat1,966
Raptor SuperCrew 4WD1,974
Lightning XLT Premium1,988
Limited SuperCrew2,000
Lightning Lariat Premium2,006
Lightning Platinum2,034
2023 Ford F150 Average Rate$1,842

2023 Ram Truck

$1,982

Insurance Rates by Trim Level for 2023 Ford F150
2023 Ram Truck TrimsRate
Tradesman Quad Cab 4WD$1,758
Tradesman Crew Cab 4WD1,800
Big Horn Quad Cab 4WD1,836
Tradesman Quad Cab 2WD1,868
Big Horn Crew Cab 4WD1,868
Tradesman HFE Crew Cab 2WD1,900
Tradesman Crew Cab 2WD1,916
Laramie Crew Cab 4WD1,936
Rebel Crew Cab 4WD1,942
Big Horn Quad Cab 2WD1,962
Limited Longhorn Crew Cab 4WD1,992
Big Horn Crew Cab 2WD1,998
Limited Crew Cab 4WD2,018
Laramie Crew Cab 2WD2,080
Rebel Crew Cab 2WD2,086
TRX Crew Cab 4WD2,096
TRX Level 1 Crew Cab 4WD2,112
TRX Level 2 Crew Cab 4WD2,132
Limited Longhorn Crew Cab 2WD2,140
Limited Crew Cab 2WD2,168
2023 Ram Truck Average Rate$1,982

2022 Ford F150 vs. Ram Truck

For 2022 Ford F150 and Ram Truck models, the model having more affordable car insurance is the Ford F150. Insurance rates on a Ford F150 cost an average of $1,646 per year, whereas insurance for the Ram Truck costs an average of $1,944 per year.

The cost of car insurance can vary quite a bit for each of the different trim levels, however.

For a 2022 Ford F150, rates range from $1,418 per year for the XL Regular Cab 4WD model up to $1,874 for the Limited SuperCrew model.

For a 2022 Ram Truck, rates range from $1,698 per year for the Tradesman Regular Cab 4WD model up to $2,198 for the most expensive Limited Crew Cab 2WD model.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim level is the Ford F150 XL Regular Cab 4WD at an average cost of $1,418 per year. The highest-cost model and trim is the Ram Truck Limited Crew Cab 2WD at a cost of $2,198 per year.

For a 2022 Ford F150, the cheapest models are the XL Regular Cab 4WD, XL Super Cab 4WD, and XLT Regular Cab 4WD. The cheapest Ram Truck models include the Tradesman Regular Cab 4WD, Express Regular Cab 4WD, and Tradesman Quad Cab 4WD.

From a cost-per-month standpoint, average insurance rates for all 2022 Ford F150 and Ram Truck trim levels range from $118 to $183 per month.

The next table compares and ranks the annual and monthly cost of car insurance for 2022 Ford F150 and Ram Truck models, showing average cost by trim level for each model.

2022 Ford F150 vs Ram Truck Insurance Cost by Trim Level
Model and Trim Level Annual Cost Monthly Cost
$1,418$118
$1,474$123
$1,496$125
$1,512$126
$1,514$126
$1,528$127
$1,536$128
$1,548$129
$1,580$132
$1,596$133
$1,606$134
$1,612$134
$1,612$134
$1,632$136
$1,634$136
$1,644$137
$1,654$138
$1,658$138
$1,668$139
$1,676$140
$1,676$140
$1,694$141
$1,698$142
$1,712$143
$1,724$144
$1,732$144
$1,736$145
$1,744$145
$1,752$146
$1,768$147
$1,772$148
$1,782$149
$1,804$150
$1,804$150
$1,804$150
$1,808$151
$1,822$152
$1,834$153
$1,834$153
$1,842$154
$1,866$156
$1,874$156
$1,876$156
$1,888$157
$1,896$158
$1,898$158
$1,928$161
$1,954$163
$1,956$163
$1,956$163
$1,956$163
$1,980$165
$1,988$166
$1,996$166
$2,012$168
$2,024$169
$2,024$169
$2,024$169
$2,026$169
$2,044$170
$2,060$172
$2,060$172
$2,060$172
$2,076$173
$2,108$176
$2,122$177
$2,170$181
$2,198$183

Get Rates in Your AreaWhy is this important?

Table Data Details: Average annual and monthly cost assumes a clean driving record and no at-fault accidents for a 40-year-old driver rated on a 2022 Ford F150 and a 2022 Ram Truck. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.

The chart below shows average Ford F150 insurance rates compared to Ram 1500 insurance rates for the 2022 model year based on different driver age groups.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2022 Ford F150 and a 2022 Ram Truck with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Ford F150 and Ram Truck trim levels.Data last updated on August 12, 2023
2022 Ford F150 vs. 2022 Ram Truck Insurance Cost
2022 Ford F150 vs. Ram Truck Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$3,258$1,726$1,646$1,496
Ram Truck$3,864$2,036$1,944$1,770

How does insurance cost for a 2022 Ford F150 compare to a Ram 1500?

  • Having an at-fault accident could increase insurance rates by up to $676 per year for the Ford F150 and $812 for the Ram Truck.
  • A low-deductible policy could cost up to $472 more per year for the Ford F150 and $548 for the Ram Truck when compared to higher deductibles.
  • Being a safe driver could earn a discount of around $210 for the Ford F150 and $252 for the Ram Truck.
  • The most expensive 2022 Ford F150 to insure is the Limited SuperCrew at $1,874 per year. The most expensive 2022 Ram Truck to insure is the Limited Crew Cab 2WD at $2,198 per year.
  • Insurance on a Ford F150 for a 19-year-old costs an average of $4,654 per year and Ram Truck insurance costs an average of $5,534 per year, a difference of $880 per year.
  • When compared to the national average car insurance rate of $1,728 per year, the Ford F150 costs $82 less per year, while the Ram Truck costs $216 more per year.
  • For a 17-year-old driver, insurance on a Ford F150 costs an average of $5,532 per year and Ram 1500 insurance costs an average of $6,596 per year, a difference of $1,064 per year.

The tables below detail insurance rates for all trim levels of 2022 F150 and Truck models. The 2022 Ford F150 has an average insurance cost of $1,646 and the 2022 Ram Truck is $1,944, making the Ford F150 cheaper by $298 per year.

2022 Ford F150

$1,646

Insurance Rates by Trim Level for 2022 Ford F150
2022 Ford F150 TrimsRate
XL Regular Cab 4WD$1,418
XL Super Cab 4WD1,474
XLT Regular Cab 4WD1,496
Lightning Pro1,512
XL SuperCrew 4WD1,514
XLT Super Cab 4WD1,528
XL Regular Cab1,536
XLT SuperCrew 4WD1,548
Lariat Super Cab 4WD1,580
Lariat SuperCrew 4WD1,596
XL Super Cab1,606
Tremor SuperCrew 4WD1,612
Lightning XLT1,612
Lightning XLT Premium1,632
XLT Regular Cab1,634
King Ranch SuperCrew 4WD1,644
XL SuperCrew1,654
Platinum SuperCrew 4WD1,658
XLT Super Cab1,668
Raptor SuperCrew 4WD1,676
Lightning Lariat1,676
XLT SuperCrew1,694
Lightning Lariat Premium1,712
Lariat Super Cab1,732
Lightning Platinum1,736
Lariat SuperCrew1,752
Tremor SuperCrew1,768
King Ranch SuperCrew1,804
Platinum SuperCrew1,822
Raptor SuperCrew1,842
Limited SuperCrew1,874
2022 Ford F150 Average Rate$1,646

2022 Ram Truck

$1,944

Insurance Rates by Trim Level for 2022 Ford F150
2022 Ram Truck TrimsRate
Tradesman Regular Cab 4WD$1,698
Express Regular Cab 4WD1,724
Tradesman Quad Cab 4WD1,744
Express Quad Cab 4WD1,772
Tradesman Crew Cab 4WD1,782
Express Crew Cab 4WD1,804
Big Horn Quad Cab 4WD1,804
Warlock Crew Cab 4WD1,808
Warlock Quad Cab 4WD1,834
Big Horn Crew Cab 4WD1,834
Tradesman Regular Cab 2WD1,866
Laramie Crew Cab 4WD1,876
Rebel Crew Cab 4WD1,888
Express Regular Cab 2WD1,896
Big Horn BackCountry Crew Cab 4WD1,898
Limited Longhorn Crew Cab 4WD1,928
Rebel GT Crew Cab 4WD1,954
Tradesman Quad Cab 2WD1,956
Laramie GT Crew Cab 4WD1,956
Limited Crew Cab 4WD1,956
Tradesman HFE Quad Cab 2WD1,980
Express Quad Cab 2WD1,988
Tradesman Crew Cab 2WD1,996
TRX Crew Cab 4WD2,012
Express Crew Cab 2WD2,024
TRX Level 1 Crew Cab 4WD2,024
Big Horn Quad Cab 2WD2,024
Warlock Crew Cab 2WD2,026
TRX Level 2 Crew Cab 4WD2,044
Warlock Quad Cab 2WD2,060
Big Horn Crew Cab 2WD2,060
TRX Ignition Edition Crew Cab 4WD2,060
Tradesman HFE Crew Cab 2WD2,076
Laramie Crew Cab 2WD2,108
Rebel Crew Cab 2WD2,122
Limited Longhorn Crew Cab 2WD2,170
Limited Crew Cab 2WD2,198
2022 Ram Truck Average Rate$1,944

2021 Ford F150 vs. Ram 1500

When comparing average insurance cost for 2021 models, the Ford F150 costs an average of $1,656 per year to insure and the Ram Truck costs $1,802, making the Ford F150 the winner by $146 for this model year.

The next chart shows the average cost to insure the two models for four different driver age groups. Insurance cost ranges from $1,512 to $3,318 per year for a 2021 Ford F150, and $1,644 to $3,588 for a 2021 Ram Truck for the age groups used in the chart.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2021 Ford F150 and a 2021 Ram Truck with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Ford F150 and Ram Truck trim levels.Data last updated on August 12, 2023
2021 Ford F150 vs. 2021 Ram Truck Insurance Cost
2021 Ford F150 vs. Ram Truck Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$3,318$1,740$1,656$1,512
Ram Truck$3,588$1,884$1,802$1,644

The 2021 Ford F150 has 43 trims available, with the cheapest trim to insure being the XL Regular Cab 6.5 4WD trim at an average cost of $1,474 per year. Out of the 35 trim levels available for the Ram Truck, the cheapest 2021 trim to insure is the Classic Regular Cab ST 4WD trim at a cost of $1,476 per year, or around $123 per month.

When looking at the aggregated rates by trim for both models, the cheapest trim to insure is the Ford F150 XL Regular Cab 6.5 4WD at an average of $1,474 per year, and the most expensive vehicle to insure is the Ram Truck Crew Cab Longhorn 2WD at a cost of $2,090 per year.

The next tables display both 2021 models and all trim levels available for each one, as well as an average rate for each model. The 2021 Ford F150 has more affordable average car insurance rates than the 2021 Ram Truck.

2021 Ford F150

$1,656

Insurance Rates by Trim Level for 2021 Ford F150
2021 Ford F150 TrimsRate
XL Regular Cab 6.5 4WD$1,474
XL Regular Cab 8 Ft Bed 4WD1,474
XL Regular Cab 2WD1,512
XL Regular Cab 6.5 2WD1,512
XL Super Cab 6.5 4WD1,526
XL Super Cab 8 Ft Bed 4WD1,526
XL SuperCrew 4WD1,526
XLT Regular Cab 6.5 4WD1,526
XLT Regular Cab 8 Ft Bed 4WD1,526
XL Super Cab 6.5 2WD1,564
XL SuperCrew 6.5 4WD1,576
XLT Super Cab 6.5 4WD1,576
XLT Super Cab 8 Ft Bed 4WD1,576
XLT SuperCrew 4WD1,576
XLT SuperCrew 6.51,592
Lariat Super Cab 4WD1,626
Lariat Super Cab 6.5 4WD1,626
Lariat Super Cab 8 Ft Bed 4WD1,626
XLT SuperCrew 6.5 4WD1,626
Lariat Super Cab 6.51,640
XL Super Cab 8 Ft Bed 2WD1,664
XL SuperCrew 2WD1,664
XLT Regular Cab 2WD1,664
XLT Regular Cab 6.5 2WD1,664
Raptor Super Cab 4WD1,676
King Ranch Crew Cab 6.51,692
XL SuperCrew 6.51,712
XLT Super Cab 6.5 2WD1,712
XLT Super Cab 8 Ft Bed 2WD1,712
XLT SuperCrew 2WD1,712
King Ranch Crew Cab 4WD1,726
King Ranch Crew Cab 6.5 4WD1,726
Platinum SuperCrew 4WD1,726
Platinum SuperCrew 6.5 4WD1,726
Raptor Crew Cab 4WD1,726
Platinum SuperCrew 6.51,740
Lariat Super Cab 2WD1,764
Lariat Super Cab 6.5 2WD1,764
Lariat Super Cab 8 Ft Bed 2WD1,764
Limited Super Cab 4WD1,862
King Ranch Crew Cab 2WD1,864
Platinum SuperCrew 2WD1,914
Limited Super Cab 2WD1,964
2021 Ford F150 Average Rate$1,656

2021 Ram Truck

$1,802

Insurance Rates by Trim Level for 2021 Ford F150
2021 Ram Truck TrimsRate
Classic Regular Cab ST 4WD$1,476
Quad Cab Tradesman 4WD1,576
Classic Crew Cab ST 4WD1,624
Classic Quad Cab SLT 4WD1,624
Classic Quad Cab ST 4WD1,624
Crew Cab Tradesman 4WD1,624
Quad Cab Big Horn 4WD1,624
Classic Crew Cab SLT 4WD1,676
Classic Regular Cab SLT 4WD1,676
Crew Cab Big Horn 4WD1,676
Quad Cab Laramie 4WD1,676
Quad Cab Rebel 4WD1,676
Crew Cab Laramie 4WD1,726
Crew Cab Rebel 4WD1,726
Classic Regular Cab ST 2WD1,740
Crew Cab Longhorn 4WD1,776
Crew Cab Limited 4WD1,826
Classic Quad Cab ST 2WD1,840
Classic Regular Cab SLT 2WD1,840
Quad Cab Tradesman 2WD1,840
Crew Cab TRX 4WD1,876
Classic Crew Cab ST 2WD1,888
Classic Quad Cab SLT 2WD1,888
Crew Cab Tradesman 2WD1,888
Crew Cab TRX TR1 4WD1,890
Crew Cab TRX TR2 4WD1,926
Classic Crew Cab SLT 2WD1,940
Crew Cab Big Horn 2WD1,940
Quad Cab Big Horn 2WD1,940
Quad Cab Laramie 2WD1,940
Crew Cab TRX Launch Edition 4WD1,976
Crew Cab Laramie 2WD1,990
Crew Cab Rebel 2WD1,990
Crew Cab Limited 2WD2,090
Crew Cab Longhorn 2WD2,090
2021 Ram Truck Average Rate$1,802

2020 Ford F150 vs Ram 1500

For the 2020 Ford F150 and Ram Truck models, the Ford F150 is cheaper to insure by an average of $132 per year.

The rate chart below displays the average cost to insure the two models for a range of driver ages. Average car insurance cost ranges from $1,492 to $3,278 per year for a 2020 Ford F150, and $1,616 to $3,520 for a 2020 Ram Truck for these driver ages.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2020 Ford F150 and a 2020 Ram Truck with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Ford F150 and Ram Truck trim levels.Data last updated on August 12, 2023
2020 Ford F150 vs. 2020 Ram Truck Insurance Cost
2020 Ford F150 vs. Ram Truck Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$3,278$1,716$1,634$1,492
Ram Truck$3,520$1,842$1,766$1,616

Out of 43 trim levels for the 2020 Ford F150, the cheapest average insurance prices are on the XL Regular Cab 6.5 4WD model at a cost of $1,456 per year, or $121 per month. For the 31 trims available for the Ram Truck, the cheapest 2020 model to insure is the Classic Regular Cab ST 4WD trim at a cost of $1,456.

When average insurance prices for all 74 trim levels for the 2020 model year of both models are compared, the overall cheapest vehicle to insure is the Ford F150 XL Regular Cab 6.5 4WD at an average cost of $1,456 per year. The most expensive model and trim level is the Ram Truck Crew Cab Longhorn 2WD at a cost of $2,066 per year.

The next two rate tables show average car insurance cost by trim level for each 2020 model, plus the average rate for each model. The model with the cheapest average car insurance rates for 2020 is the Ford F150.

2020 Ford F150

$1,634

Insurance Rates by Trim Level for 2020 Ford F150
2020 Ford F150 TrimsRate
XL Regular Cab 6.5 4WD$1,456
XL Regular Cab 8 Ft Bed 4WD1,456
XL Regular Cab 2WD1,496
XL Regular Cab 6.5 2WD1,496
XL Super Cab 6.5 4WD1,504
XL Super Cab 8 Ft Bed 4WD1,504
XL SuperCrew 4WD1,504
XLT Regular Cab 6.5 4WD1,504
XLT Regular Cab 8 Ft Bed 4WD1,504
XL Super Cab 6.5 2WD1,544
XL SuperCrew 6.5 4WD1,556
XLT Super Cab 6.5 4WD1,556
XLT Super Cab 8 Ft Bed 4WD1,556
XLT SuperCrew 4WD1,556
XLT SuperCrew 6.51,570
Lariat Super Cab 4WD1,604
Lariat Super Cab 6.5 4WD1,604
Lariat Super Cab 8 Ft Bed 4WD1,604
XLT SuperCrew 6.5 4WD1,604
Lariat Super Cab 6.51,618
XL Super Cab 8 Ft Bed 2WD1,644
XL SuperCrew 2WD1,644
XLT Regular Cab 2WD1,644
XLT Regular Cab 6.5 2WD1,644
Raptor Super Cab 4WD1,652
King Ranch Crew Cab 6.51,666
XL SuperCrew 6.51,692
XLT Super Cab 6.5 2WD1,692
XLT Super Cab 8 Ft Bed 2WD1,692
XLT SuperCrew 2WD1,692
King Ranch Crew Cab 4WD1,700
King Ranch Crew Cab 6.5 4WD1,700
Platinum SuperCrew 4WD1,700
Platinum SuperCrew 6.5 4WD1,700
Raptor Crew Cab 4WD1,700
Platinum SuperCrew 6.51,714
Lariat Super Cab 2WD1,740
Lariat Super Cab 6.5 2WD1,740
Lariat Super Cab 8 Ft Bed 2WD1,740
Limited Super Cab 4WD1,834
King Ranch Crew Cab 2WD1,840
Platinum SuperCrew 2WD1,888
Limited Super Cab 2WD1,936
2020 Ford F150 Average Rate$1,634

2020 Ram Truck

$1,766

Insurance Rates by Trim Level for 2020 Ford F150
2020 Ram Truck TrimsRate
Classic Regular Cab ST 4WD$1,456
Quad Cab Tradesman 4WD1,556
Classic Crew Cab ST 4WD1,604
Classic Quad Cab SLT 4WD1,604
Classic Quad Cab ST 4WD1,604
Crew Cab Tradesman 4WD1,604
Quad Cab Big Horn 4WD1,604
Classic Crew Cab SLT 4WD1,652
Classic Regular Cab SLT 4WD1,652
Crew Cab Big Horn 4WD1,652
Quad Cab Laramie 4WD1,652
Quad Cab Rebel 4WD1,652
Crew Cab Laramie 4WD1,702
Crew Cab Rebel 4WD1,702
Classic Regular Cab ST 2WD1,722
Crew Cab Longhorn 4WD1,752
Crew Cab Limited 4WD1,800
Classic Quad Cab ST 2WD1,822
Classic Regular Cab SLT 2WD1,822
Quad Cab Tradesman 2WD1,822
Classic Crew Cab ST 2WD1,870
Classic Quad Cab SLT 2WD1,870
Crew Cab Tradesman 2WD1,870
Classic Crew Cab SLT 2WD1,918
Crew Cab Big Horn 2WD1,918
Quad Cab Big Horn 2WD1,918
Quad Cab Laramie 2WD1,918
Crew Cab Laramie 2WD1,968
Crew Cab Rebel 2WD1,968
Crew Cab Limited 2WD2,066
Crew Cab Longhorn 2WD2,066
2020 Ram Truck Average Rate$1,766

2019 Ford F150 vs Ram 1500

For the 2019 Ford F150 and Ram Truck models, the Ford F150 has cheaper car insurance rates by an average of $182 per year for 2019.

The rate chart below demonstrates the average cost to insure both models for drivers from age 20 to 50. For a 2019 Ford F150, average insurance cost ranges from $1,412 to $3,096 per year for the included driver ages. A 2019 Ram Truck costs from $1,582 to $3,446 to insure per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2019 Ford F150 and a 2019 Ram Truck with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Ford F150 and Ram Truck trim levels.Data last updated on August 12, 2023
2019 Ford F150 vs. 2019 Ram Truck Insurance Cost
2019 Ford F150 vs. Ram Truck Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$3,096$1,624$1,548$1,412
Ram Truck$3,446$1,798$1,730$1,582

The 2019 Ford F150 has 24 trim levels available, with the cheapest trim to insure being the XL Regular Cab 4WD trim at an average cost of $1,326 per year.

For the 31 trims available for the Ram Truck, the cheapest 2019 trim level to insure is the Classic Regular Cab ST 4WD trim at a cost of $1,426.

When car insurance rates for all 55 trim levels for the 2019 model year of both models are compared, the lowest-cost model and trim level to insure is the Ford F150 XL Regular Cab 4WD at a cost of $1,326 per year, and the most expensive model and trim level is the Ram Truck Crew Cab Longhorn 2WD at an average of $2,024 per year.

The tables shown below display average car insurance cost by trim level for each 2019 model, including an overall average rate. The 2019 Ford F150 defeats the 2019 Ram Truck for cheapest overall car insurance cost.

2019 Ford F150

$1,548

Insurance Rates by Trim Level for 2019 Ford F150
2019 Ford F150 TrimsRate
XL Regular Cab 4WD$1,326
XL Super Cab 4WD1,388
XL Regular Cab 2WD1,398
XL Crew Cab 4WD1,434
XLT Regular Cab 4WD1,434
XL Super Cab 2WD1,444
XLT Crew Cab 4WD1,482
XLT Super Cab 4WD1,482
XL Crew Cab 2WD1,506
XLT Regular Cab 2WD1,506
Lariat Crew Cab 4WD1,530
Lariat Super Cab 4WD1,530
XLT Crew Cab 2WD1,552
XLT Super Cab 2WD1,552
Raptor Super Cab 4WD1,576
Lariat Crew Cab 2WD1,600
Lariat Super Cab 2WD1,600
King Ranch Crew Cab 4WD1,624
Platinum Crew Cab 4WD1,624
Raptor Crew Cab 4WD1,624
King Ranch Crew Cab 2WD1,694
Platinum Crew Cab 2WD1,694
Limited Crew Cab 4WD1,750
Limited Crew Cab 2WD1,822
2019 Ford F150 Average Rate$1,548

2019 Ram Truck

$1,730

Insurance Rates by Trim Level for 2019 Ford F150
2019 Ram Truck TrimsRate
Classic Regular Cab ST 4WD$1,426
Quad Cab Tradesman 4WD1,520
Classic Crew Cab ST 4WD1,566
Classic Quad Cab SLT 4WD1,566
Classic Quad Cab ST 4WD1,566
Crew Cab Tradesman 4WD1,566
Quad Cab Big Horn 4WD1,566
Classic Crew Cab SLT 4WD1,614
Classic Regular Cab SLT 4WD1,614
Crew Cab Big Horn 4WD1,614
Quad Cab Laramie 4WD1,614
Quad Cab Rebel 4WD1,614
Crew Cab Laramie 4WD1,662
Crew Cab Rebel 4WD1,662
Classic Regular Cab ST 2WD1,694
Crew Cab Longhorn 4WD1,708
Crew Cab Limited 4WD1,756
Classic Quad Cab ST 2WD1,788
Classic Regular Cab SLT 2WD1,788
Quad Cab Tradesman 2WD1,788
Classic Crew Cab ST 2WD1,834
Classic Quad Cab SLT 2WD1,834
Crew Cab Tradesman 2WD1,834
Classic Crew Cab SLT 2WD1,882
Crew Cab Big Horn 2WD1,882
Quad Cab Big Horn 2WD1,882
Quad Cab Laramie 2WD1,882
Crew Cab Laramie 2WD1,930
Crew Cab Rebel 2WD1,930
Crew Cab Limited 2WD2,024
Crew Cab Longhorn 2WD2,024
2019 Ram Truck Average Rate$1,730

2018 Ford F150 vs Ram 1500

When comparing insurance rates for 2018 models, the Ford F150 costs an average of $1,490 per year to insure and the Ram Truck costs $1,682, making the Ford F150 the winner by $192 for the 2018 comparison year.

The next chart visualizes the average cost to insure both 2018 models with different drivers at the wheel. For a 2018 Ford F150, average car insurance cost ranges from $1,360 to $2,984 per year for the included driver ages. A 2018 Ram Truck costs from $1,536 to $3,356 to insure per year.

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Chart Data Details: Average insurance rates are for a 2018 Ford F150 and a 2018 Ram Truck with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Ford F150 and Ram Truck trim levels.Data last updated on August 11, 2023
2018 Ford F150 vs. 2018 Ram Truck Insurance Cost
2018 Ford F150 vs. Ram Truck Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$2,984$1,562$1,490$1,360
Ram Truck$3,356$1,748$1,682$1,536

Out of 24 trim levels for the 2018 Ford F150, the cheapest insurance rates are on the XL Regular Cab 4WD model at a cost of $1,296 per year, or about $108 per month. For the 46 trim levels available for the Ram Truck, the cheapest 2018 trim level to insure is the Express 4WD model at a cost of $1,392 per year, or $116 per month.

When rates for all 70 trim levels for both vehicles are compared, the cheapest trim to insure is the Ford F150 XL Regular Cab 4WD at an average rate of $1,296 per year. The most expensive model and trim level is the Ram Truck Crew Cab Longhorn Limited 2WD costing $1,978 per year.

The next tables display average car insurance rates for every trim level for both 2018 models, along with the average rate for each model.

2018 Ford F150

$1,490

Insurance Rates by Trim Level for 2018 Ford F150
2018 Ford F150 TrimsRate
XL Regular Cab 4WD$1,296
XL Regular Cab 2WD1,322
XL Super Cab 4WD1,354
XL Crew Cab 4WD1,398
XLT Regular Cab 4WD1,398
XLT Super Cab 4WD1,398
XL Super Cab 2WD1,412
XLT Regular Cab 2WD1,412
Lariat Super Cab 4WD1,444
XLT Crew Cab 4WD1,444
XL Crew Cab 2WD1,470
XLT Super Cab 2WD1,470
Lariat Crew Cab 4WD1,490
Raptor Super Cab 4WD1,490
XLT Crew Cab 2WD1,516
Raptor Crew Cab 4WD1,534
Lariat Crew Cab 2WD1,560
Lariat Super Cab 2WD1,560
King Ranch Crew Cab 4WD1,580
Platinum Crew Cab 4WD1,580
Limited Crew Cab 4WD1,624
King Ranch Crew Cab 2WD1,650
Platinum Crew Cab 2WD1,650
Limited Crew Cab 2WD1,728
2018 Ford F150 Average Rate$1,490

2018 Ram Truck

$1,682

Insurance Rates by Trim Level for 2018 Ford F150
2018 Ram Truck TrimsRate
Express 4WD$1,392
Tradesman 4WD1,392
Big Horn 4WD1,438
Lone Star 4WD1,438
Quad Cab Express 4WD1,484
Quad Cab Tradesman 4WD1,484
SLT 4WD1,484
Crew Cab Express 4WD1,528
Crew Cab Tradesman 4WD1,528
Quad Cab Big Horn 4WD1,528
Quad Cab Lone Star 4WD1,528
Quad Cab SLT 4WD1,528
Sport 4WD1,528
Crew Cab Lone Star 4WD1,574
Crew Cab SLT 4WD1,574
Crew Cab SSV 4WD1,574
Crew Cab Sport 4WD1,574
Quad Cab Laramie 4WD1,574
Quad Cab Sport 4WD1,574
Crew Cab Laramie 4WD1,618
Crew Cab Rebel 4WD1,618
Tradesman 2WD1,660
Crew Cab Laramie Longhorn 4WD1,664
Crew Cab Longhorn Limited 4WD1,664
Big Horn 2WD1,752
Lone Star 2WD1,752
SLT 2WD1,752
Crew Cab Express 2WD1,796
Crew Cab Tradesman 2WD1,796
Quad Cab Big Horn 2WD1,796
Quad Cab Express 2WD1,796
Quad Cab Lone Star 2WD1,796
Quad Cab SLT 2WD1,796
Quad Cab Tradesman 2WD1,796
Crew Cab Big Horn 2WD1,842
Crew Cab SLT 2WD1,842
Express 2WD1,842
Quad Cab Sport 2WD1,842
Sport 2WD1,842
Crew Cab Laramie 2WD1,886
Crew Cab Sport 2WD1,886
Quad Cab HFE 2WD1,886
Quad Cab Laramie 2WD1,886
Crew Cab Rebel 2WD1,932
Crew Cab Laramie Longhorn 2WD1,978
Crew Cab Longhorn Limited 2WD1,978
2018 Ram Truck Average Rate$1,682

2017 Ford F150 vs Ram 1500

For the 2017 Ford F150 and Ram Truck models, the Ford F150 is cheaper to insure by an average of $210 per year for this model year.

The chart below illustrates the average cost to insure both models using drivers aged 20 to 50. For a 2017 Ford F150, the average car insurance cost ranges from $1,306 to $2,860 per year for the driver ages used. A 2017 Ram Truck costs from $1,502 to $3,272 to insure per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2017 Ford F150 and a 2017 Ram Truck with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Ford F150 and Ram Truck trim levels.Data last updated on August 11, 2023
2017 Ford F150 vs. 2017 Ram Truck Insurance Cost
2017 Ford F150 vs. Ram Truck Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$2,860$1,494$1,432$1,306
Ram Truck$3,272$1,700$1,642$1,502

For the 24 trim levels available for the 2017 Ford F150, the cheapest trim to insure is the XL Regular Cab 4WD model at an average cost of $1,248 per year, or about $104 per month. Out of the 75 trims available for the Ram Truck, the cheapest 2017 trim to insure is the Express 4WD trim at a cost of $1,348 per year, or around $112 per month.

When rates for all 99 trim levels for both vehicles are compared, the lowest-cost model and trim level to insure is the Ford F150 XL Regular Cab 4WD at a cost of $1,248 per year, and the highest-cost model and trim level is the Ram Truck Crew Cab Longhorn Limited 2WD Diesel at a cost of $1,954 per year.

The tables below show the average cost to insure all 2017 trim levels, as well as the overall average rate for each model.

2017 Ford F150

$1,432

Insurance Rates by Trim Level for 2017 Ford F150
2017 Ford F150 TrimsRate
XL Regular Cab 4WD$1,248
XL Regular Cab 2WD1,280
XL Super Cab 4WD1,302
XLT Regular Cab 4WD1,302
XL Crew Cab 4WD1,346
XLT Super Cab 4WD1,346
XL Super Cab 2WD1,364
XLT Regular Cab 2WD1,364
Lariat Super Cab 4WD1,388
XLT Crew Cab 4WD1,388
XL Crew Cab 2WD1,420
XLT Super Cab 2WD1,420
Lariat Crew Cab 4WD1,430
SVT Super Cab Raptor 4WD1,430
XLT Crew Cab 2WD1,462
Lariat King Ranch 4WD1,472
SVT Crew Cab Raptor 4WD1,472
Lariat Crew Cab 2WD1,506
Lariat Super Cab 2WD1,506
Lariat Crew Cab Platinum Edition 4WD1,514
Limited Crew Cab 4WD1,556
Lariat Crew Cab Platinum Edition 2WD1,588
Lariat King Ranch 2WD1,588
Limited Crew Cab 2WD1,632
2017 Ford F150 Average Rate$1,432

2017 Ram Truck

$1,642

Insurance Rates by Trim Level for 2017 Ford F150
2017 Ram Truck TrimsRate
Express 4WD$1,348
Tradesman 4WD1,348
Quad Cab Express 4WD1,432
Quad Cab Tradesman 4WD1,432
SLT 4WD1,432
Tradesman 4WD Diesel1,432
Lone Star 4WD1,454
Big Horn 4WD1,476
Crew Cab Express 4WD1,476
Crew Cab SSV 4WD1,476
Crew Cab Tradesman 4WD1,476
Quad Cab Express 4WD Diesel1,476
Quad Cab Lone Star 4WD1,476
Quad Cab SLT 4WD1,476
Quad Cab Tradesman 4WD Diesel1,476
Sport 4WD1,476
Crew Cab Tradesman 4WD Diesel1,496
Crew Cab Big Horn 4WD1,518
Crew Cab Express 4WD Diesel1,518
Crew Cab Lone Star 4WD1,518
Crew Cab SLT 4WD1,518
Quad Cab Big Horn 4WD1,518
Quad Cab Laramie 4WD1,518
Quad Cab Lone Star 4WD Diesel1,518
Quad Cab SLT 4WD Diesel1,518
Quad Cab Sport 4WD1,518
SLT 4WD Diesel1,518
Crew Cab Sport 4WD1,538
Crew Cab Laramie 4WD1,560
Crew Cab Rebel 4WD1,560
Crew Cab SLT 4WD Diesel1,560
Quad Cab Big Horn 4WD Diesel1,560
Quad Cab Laramie 4WD Diesel1,560
Crew Cab Laramie 4WD Diesel1,582
Crew Cab Laramie Longhorn 4WD1,602
Express 2WD1,616
Tradesman 2WD1,616
Crew Cab Laramie Longhorn 4WD Diesel1,644
Crew Cab Longhorn Limited 4WD1,644
Crew Cab Longhorn Limited 4WD Diesel1,644
Lone Star 2WD1,700
Quad Cab Express 2WD1,700
Quad Cab Tradesman 2WD1,700
SLT 2WD1,700
Tradesman 2WD Diesel1,700
Crew Cab Tradesman 2WD1,722
Big Horn 2WD1,744
Crew Cab Express 2WD1,744
Quad Cab Lone Star 2WD1,744
Quad Cab SLT 2WD1,744
Quad Cab Tradesman 2WD Diesel1,744
SLT 2WD Diesel1,744
Crew Cab Express 2WD Diesel1,786
Crew Cab SLT 2WD1,786
Crew Cab Tradesman 2WD Diesel1,786
Quad Cab Big Horn 2WD1,786
Quad Cab Express 2WD Diesel1,786
Quad Cab HFE 2WD1,786
Quad Cab Laramie 2WD1,786
Quad Cab Lone Star 2WD Diesel1,786
Quad Cab SLT 2WD Diesel1,786
Quad Cab Sport 2WD1,786
Sport 2WD1,786
Crew Cab Big Horn 2WD1,828
Crew Cab Laramie 2WD1,828
Crew Cab Rebel 2WD1,828
Crew Cab SLT 2WD Diesel1,828
Crew Cab Sport 2WD1,828
Quad Cab Big Horn 2WD Diesel1,828
Quad Cab Laramie 2WD Diesel1,828
Crew Cab Laramie 2WD Diesel1,870
Crew Cab Laramie Longhorn 2WD1,870
Crew Cab Laramie Longhorn 2WD Diesel1,912
Crew Cab Longhorn Limited 2WD1,912
Crew Cab Longhorn Limited 2WD Diesel1,954
2017 Ram Truck Average Rate$1,642

2016 Ford F150 vs Ram 1500

When comparing car insurance rates for the 2016 Ford F150 and Ram Truck models, the Ford F150 has cheaper rates by an average of $200 per year.

The rate chart below demonstrates the average cost to insure the two models for different driver ages. For a 2016 Ford F150, average insurance cost ranges from $1,278 to $2,808 per year for the illustrated age groups. A 2016 Ram Truck costs from $1,462 to $3,198 to insure per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2016 Ford F150 and a 2016 Ram Truck with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Ford F150 and Ram Truck trim levels.Data last updated on August 11, 2023
2016 Ford F150 vs. 2016 Ram Truck Insurance Cost
2016 Ford F150 vs. Ram Truck Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$2,808$1,460$1,402$1,278
Ram Truck$3,198$1,660$1,602$1,462

Out of 22 Ford F150 trims, the cheapest 2016 trim to insure is the XL Regular Cab 4WD trim at an average cost of $1,240 per year, or about $103 per month. For the 73 trims available for the Ram Truck, the cheapest 2016 trim level to insure is the Express 4WD model at a cost of $1,458.

When rates are compared for the 95 trim levels of both 2016 models, the most affordable model and trim level to insure is the Ford F150 XL Regular Cab 4WD at an average of $1,240 per year. The most expensive model and trim level is the Ram Truck Crew Cab Longhorn Limited 2WD at an average of $1,774 per year.

The next two rate tables display average car insurance rates for each trim level, along with an average cost for each model. The model with the cheapest overall car insurance cost for 2016 is the Ford F150.

2016 Ford F150

$1,402

Insurance Rates by Trim Level for 2016 Ford F150
2016 Ford F150 TrimsRate
XL Regular Cab 4WD$1,240
XL Regular Cab 2WD1,264
XL Super Cab 4WD1,292
XLT Regular Cab 4WD1,292
XL Crew Cab 4WD1,332
XLT Super Cab 4WD1,332
XL Crew Cab 2WD1,344
XL Super Cab 2WD1,344
XLT Regular Cab 2WD1,344
Lariat Super Cab 4WD1,372
XLT Crew Cab 4WD1,372
XLT Super Cab 2WD1,396
Lariat Crew Cab 4WD1,412
Lariat Super Cab 2WD1,436
XLT Crew Cab 2WD1,436
Lariat King Ranch 4WD1,452
Lariat Crew Cab 2WD1,476
Lariat Crew Cab Platinum Edition 4WD1,494
Lariat King Ranch 2WD1,516
Limited Crew Cab 4WD1,534
Lariat Crew Cab Platinum Edition 2WD1,558
Limited Crew Cab 2WD1,598
2016 Ford F150 Average Rate$1,402

2016 Ram Truck

$1,602

Insurance Rates by Trim Level for 2016 Ford F150
2016 Ram Truck TrimsRate
Express 4WD$1,458
Tradesman 4WD1,458
Express 2WD1,492
Tradesman 2WD1,492
Quad Cab Express 4WD1,510
Quad Cab Tradesman 4WD1,510
SLT 4WD1,510
Tradesman 4WD Diesel1,510
Big Horn 4WD1,550
Crew Cab Express 4WD1,550
Crew Cab SSV 4WD1,550
Crew Cab Tradesman 4WD1,550
Lone Star 4WD1,550
Quad Cab Express 4WD Diesel1,550
Quad Cab Outdoorsman 4WD1,550
Quad Cab SLT 4WD1,550
Quad Cab Tradesman 4WD Diesel1,550
Sport 4WD1,550
HFE 2WD1,572
Quad Cab Express 2WD1,572
Quad Cab Tradesman 2WD1,572
SLT 2WD1,572
Tradesman 2WD Diesel1,572
Crew Cab Big Horn 4WD1,592
Crew Cab Express 4WD Diesel1,592
Crew Cab Lone Star 4WD1,592
Crew Cab Outdoorsman 4WD1,592
Crew Cab SLT 4WD1,592
Crew Cab SSV 4WD Diesel1,592
Crew Cab Tradesman 2WD1,592
Crew Cab Tradesman 4WD Diesel1,592
Quad Cab Big Horn 4WD1,592
Quad Cab Laramie 4WD1,592
Quad Cab Lone Star 4WD1,592
Quad Cab Outdoorsman 4WD Diesel1,592
Quad Cab SLT 4WD Diesel1,592
Quad Cab Sport 4WD1,592
SLT 4WD Diesel1,592
Big Horn 2WD1,612
Crew Cab Express 2WD1,612
Crew Cab Laramie 4WD1,612
Lone Star 2WD1,612
Quad Cab SLT 2WD1,612
Quad Cab Tradesman 2WD Diesel1,612
SLT 2WD Diesel1,612
Sport 2WD1,612
Crew Cab Rebel 4WD1,632
Crew Cab SLT 4WD Diesel1,632
Crew Cab Sport 4WD1,632
Quad Cab Big Horn 4WD Diesel1,632
Quad Cab Laramie 4WD Diesel1,632
Quad Cab Lone Star 4WD Diesel1,632
Crew Cab Laramie 4WD Diesel1,652
Crew Cab Big Horn 2WD1,654
Crew Cab Lone Star 2WD1,654
Crew Cab SLT 2WD1,654
Quad Cab Big Horn 2WD1,654
Quad Cab Express 2WD Diesel1,654
Quad Cab HFE 2WD1,654
Quad Cab Laramie 2WD1,654
Quad Cab Lone Star 2WD1,654
Quad Cab SLT 2WD Diesel1,654
Quad Cab Sport 2WD1,654
Crew Cab Laramie Longhorn 4WD1,672
Crew Cab Longhorn Limited 4WD1,692
Crew Cab Laramie 2WD1,694
Crew Cab Rebel 2WD1,694
Crew Cab Sport 2WD1,694
Quad Cab Laramie 2WD Diesel1,694
Quad Cab Lone Star 2WD Diesel1,694
Crew Cab Laramie Longhorn 4WD Diesel1,712
Crew Cab Laramie Longhorn 2WD1,734
Crew Cab Longhorn Limited 2WD1,774
2016 Ram Truck Average Rate$1,602

2015 Ford F150 vs Ram 1500

For 2015 Ford F150 and Ram Truck models, the Ford F150 has cheaper car insurance rates by an average of $82 per year.

The rate chart below displays the average cost to insure both models with different driver age groups. Insurance cost ranges from $1,292 to $2,828 per year for a 2015 Ford F150, and $1,364 to $2,976 for a 2015 Ram Truck.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2015 Ford F150 and a 2015 Ram Truck with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Ford F150 and Ram Truck trim levels.Data last updated on August 11, 2023
2015 Ford F150 vs. 2015 Ram Truck Insurance Cost
2015 Ford F150 vs. Ram Truck Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$2,828$1,464$1,410$1,292
Ram Truck$2,976$1,548$1,492$1,364

Out of 20 Ford F150 trims, the cheapest 2015 model to insure is the XL Regular Cab 2WD trim at an average cost of $1,246 per year, or about $104 per month.

The 2015 Ram Truck has 72 trims available, with the cheapest trim to insure being the Tradesman 4WD model at an average cost of $1,308 per year, or about $109 per month.

When comparing aggregated rates for both models from a trim-level perspective, the cheapest model and trim level to insure is the Ford F150 XL Regular Cab 2WD at an average of $1,246 per year, and the most expensive model and trim level is the Ram Truck Crew Cab Laramie Longhorn 2WD costing an average of $1,684 per year.

The next two tables illustrate all the available trims for both 2015 models, along with an average cost for each model. The 2015 Ford F150 takes the win over the 2015 Ram Truck for cheapest car insurance rates.

2015 Ford F150

$1,410

Insurance Rates by Trim Level for 2015 Ford F150
2015 Ford F150 TrimsRate
XL Regular Cab 2WD$1,246
XL Super Cab 2WD1,310
XL Regular Cab 4WD1,334
XL Super Cab 4WD1,334
XL Crew Cab 2WD1,346
XLT Regular Cab 2WD1,346
XL Crew Cab 4WD1,384
XLT Regular Cab 4WD1,384
XLT Crew Cab 2WD1,394
XLT Super Cab 2WD1,394
XLT Crew Cab 4WD1,418
XLT Super Cab 4WD1,418
Lariat Super Cab 2WD1,430
Lariat Crew Cab 4WD1,456
Lariat Super Cab 4WD1,456
Lariat Crew Cab 2WD1,468
Lariat King Ranch 2WD1,504
Lariat Crew Cab Platinum Edition 4WD1,530
Lariat King Ranch 4WD1,530
Lariat Crew Cab Platinum Edition 2WD1,542
2015 Ford F150 Average Rate$1,410

2015 Ram Truck

$1,492

Insurance Rates by Trim Level for 2015 Ford F150
2015 Ram Truck TrimsRate
Tradesman 4WD$1,308
Express 4WD1,344
Quad Cab Tradesman 4WD1,344
Crew Cab Rebel 4WD1,362
Big Horn 4WD1,380
Lone Star 4WD1,380
Quad Cab Express 4WD1,380
SLT 4WD1,380
Tradesman 4WD Diesel1,380
Crew Cab Tradesman 4WD1,398
Crew Cab Express 4WD1,418
Crew Cab SSV 4WD1,418
Quad Cab Big Horn 4WD1,418
Quad Cab Express 4WD Diesel1,418
Quad Cab Lone Star 4WD1,418
Quad Cab Outdoorsman 4WD1,418
Quad Cab SLT 4WD1,418
Quad Cab Tradesman 4WD Diesel1,418
SLT 4WD Diesel1,418
Sport 4WD1,418
Tradesman 2WD1,426
Crew Cab SLT 4WD1,436
Crew Cab Tradesman 4WD Diesel1,436
Crew Cab Big Horn 4WD1,454
Crew Cab Express 4WD Diesel1,454
Crew Cab Lone Star 4WD1,454
Crew Cab Outdoorsman 4WD1,454
Crew Cab Sport 4WD1,454
Quad Cab Big Horn 4WD Diesel1,454
Quad Cab Laramie 4WD1,454
Quad Cab Lone Star 4WD Diesel1,454
Quad Cab Outdoorsman 4WD Diesel1,454
Quad Cab SLT 4WD Diesel1,454
Quad Cab Sport 4WD1,454
Express 2WD1,462
Crew Cab Laramie 4WD1,472
Crew Cab SLT 4WD Diesel1,472
Crew Cab SSV 4WD Diesel1,492
Quad Cab Laramie 4WD Diesel1,492
Quad Cab Tradesman 2WD1,498
Crew Cab Laramie 4WD Diesel1,510
Crew Cab Laramie Longhorn 4WD1,528
Crew Cab Laramie Longhorn 4WD Diesel1,528
Big Horn 2WD1,536
Crew Cab Tradesman 2WD1,536
HFE 2WD1,536
Lone Star 2WD1,536
Quad Cab Express 2WD1,536
SLT 2WD1,536
Tradesman 2WD Diesel1,536
Crew Cab HFE 2WD1,570
Crew Cab Express 2WD1,572
Quad Cab Big Horn 2WD1,572
Quad Cab Express 2WD Diesel1,572
Quad Cab Lone Star 2WD1,572
Quad Cab SLT 2WD1,572
Quad Cab Tradesman 2WD Diesel1,572
SLT 2WD Diesel1,572
Sport 2WD1,572
Crew Cab SLT 2WD1,590
Crew Cab Rebel 2WD1,606
Crew Cab Big Horn 2WD1,610
Crew Cab Lone Star 2WD1,610
Crew Cab Outdoorsman 2WD1,610
Quad Cab Laramie 2WD1,610
Quad Cab Lone Star 2WD Diesel1,610
Quad Cab SLT 2WD Diesel1,610
Quad Cab Sport 2WD1,610
Crew Cab Laramie 2WD1,646
Crew Cab Sport 2WD1,646
Quad Cab Laramie 2WD Diesel1,646
Crew Cab Laramie Longhorn 2WD1,684
2015 Ram Truck Average Rate$1,492

Additional Ford F150 and Ram Truck Resources