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 $134 per year.
  • Average car insurance cost per month for the Ram Truck is 7.1% more expensive than the Ford F150, at $150 versus $161, 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 $1,794 per year, while insurance for a 2023 Ram Truck costs an average of $1,928 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 $128 to $176 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
$1,534$128
$1,560$130
$1,634$136
$1,646$137
$1,658$138
$1,672$139
$1,698$142
$1,712$143
$1,722$144
$1,726$144
$1,748$146
$1,748$146
$1,754$146
$1,772$148
$1,786$149
$1,786$149
$1,818$152
$1,818$152
$1,828$152
$1,840$153
$1,848$154
$1,850$154
$1,850$154
$1,862$155
$1,866$156
$1,872$156
$1,878$157
$1,886$157
$1,890$158
$1,892$158
$1,908$159
$1,916$160
$1,920$160
$1,938$162
$1,940$162
$1,944$162
$1,948$162
$1,952$163
$1,966$164
$1,980$165
$2,024$169
$2,030$169
$2,040$170
$2,056$171
$2,076$173
$2,084$174
$2,110$176

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 February 5, 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 $1,632 to $3,544 per year for a 2023 Ford F150, and $1,758 to $3,830 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 February 17, 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$3,544$1,890$1,794$1,632
Ram Truck$3,830$2,030$1,928$1,758

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 $1,534 per year, or $128 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 $1,712.

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 $1,534 per year. The highest-cost model and trim is the Ram Truck Limited Crew Cab 2WD costing an average of $2,110 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

$1,794

Insurance Rates by Trim Level for 2023 Ford F150
2023 Ford F150 TrimsRate
XL Super Cab 4WD$1,534
XL Regular Cab1,560
XL Super Cab1,634
XLT Regular Cab 4WD1,646
XL Regular Cab 4WD1,658
XL SuperCrew1,672
XLT Regular Cab1,698
XLT Super Cab1,722
XL SuperCrew 4WD1,726
XLT SuperCrew1,748
XLT Super Cab 4WD1,748
XLT SuperCrew 4WD1,772
Lightning Pro1,786
Lariat SuperCrew1,828
Lightning XLT1,840
Lariat SuperCrew 4WD1,850
Tremor SuperCrew 4WD1,850
King Ranch SuperCrew1,862
Platinum SuperCrew1,872
King Ranch SuperCrew 4WD1,878
Platinum SuperCrew 4WD1,890
Lightning Lariat1,916
Raptor SuperCrew 4WD1,920
Lightning XLT Premium1,938
Limited SuperCrew1,948
Lightning Lariat Premium1,952
Lightning Platinum1,980
2023 Ford F150 Average Rate$1,794

2023 Ram Truck

$1,928

Insurance Rates by Trim Level for 2023 Ford F150
2023 Ram Truck TrimsRate
Tradesman Quad Cab 4WD$1,712
Tradesman Crew Cab 4WD1,754
Big Horn Quad Cab 4WD1,786
Tradesman Quad Cab 2WD1,818
Big Horn Crew Cab 4WD1,818
Tradesman HFE Crew Cab 2WD1,848
Tradesman Crew Cab 2WD1,866
Laramie Crew Cab 4WD1,886
Rebel Crew Cab 4WD1,892
Big Horn Quad Cab 2WD1,908
Limited Longhorn Crew Cab 4WD1,940
Big Horn Crew Cab 2WD1,944
Limited Crew Cab 4WD1,966
Laramie Crew Cab 2WD2,024
Rebel Crew Cab 2WD2,030
TRX Crew Cab 4WD2,040
TRX Level 1 Crew Cab 4WD2,056
TRX Level 2 Crew Cab 4WD2,076
Limited Longhorn Crew Cab 2WD2,084
Limited Crew Cab 2WD2,110
2023 Ram Truck Average Rate$1,928

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 $1,600 per year, whereas insurance for the Ram Truck costs an average of $1,892 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 $1,382 per year for the XL Regular Cab 4WD model up to $1,822 for the Limited SuperCrew model.

For a 2022 Ram Truck, rates range from $1,652 per year for the Tradesman Regular Cab 4WD model up to $2,142 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 $1,382 per year. The highest-cost model and trim is the Ram Truck Limited Crew Cab 2WD at a cost of $2,142 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 $115 to $179 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
$1,382$115
$1,436$120
$1,458$122
$1,472$123
$1,476$123
$1,490$124
$1,494$125
$1,510$126
$1,540$128
$1,556$130
$1,560$130
$1,572$131
$1,572$131
$1,586$132
$1,592$133
$1,602$134
$1,606$134
$1,616$135
$1,620$135
$1,634$136
$1,634$136
$1,646$137
$1,652$138
$1,670$139
$1,678$140
$1,682$140
$1,694$141
$1,698$142
$1,704$142
$1,718$143
$1,724$144
$1,732$144
$1,754$146
$1,754$146
$1,754$146
$1,760$147
$1,768$147
$1,784$149
$1,784$149
$1,790$149
$1,818$152
$1,822$152
$1,826$152
$1,836$153
$1,848$154
$1,848$154
$1,876$156
$1,902$159
$1,904$159
$1,904$159
$1,904$159
$1,930$161
$1,938$162
$1,944$162
$1,958$163
$1,968$164
$1,972$164
$1,972$164
$1,976$165
$1,990$166
$2,006$167
$2,006$167
$2,006$167
$2,022$169
$2,054$171
$2,066$172
$2,114$176
$2,142$179

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 February 17, 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$3,176$1,682$1,600$1,458
Ram Truck$3,764$1,982$1,892$1,726

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 $662 per year for the Ford F150 and $792 for the Ram Truck.
  • A low-deductible policy could cost up to $462 more per year for the Ford F150 and $536 for the Ram Truck when compared to higher deductibles.
  • Being a safe driver could earn a discount of around $206 for the Ford F150 and $244 for the Ram Truck.
  • The most expensive 2022 Ford F150 to insure is the Limited SuperCrew at $1,822 per year. The most expensive 2022 Ram Truck to insure is the Limited Crew Cab 2WD at $2,142 per year.
  • Insurance on a Ford F150 for a 19-year-old costs an average of $4,536 per year and Ram Truck insurance costs an average of $5,394 per year, a difference of $858 per year.
  • When compared to the national average car insurance rate of $1,685 per year, the Ford F150 costs $85 less per year, while the Ram Truck costs $207 more per year.
  • For a 17-year-old driver, insurance on a Ford F150 costs an average of $5,392 per year and Ram 1500 insurance costs an average of $6,426 per year, a difference of $1,034 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 $1,600 and the 2022 Ram Truck is $1,892, making the Ford F150 cheaper by $292 per year.

2022 Ford F150

$1,600

Insurance Rates by Trim Level for 2022 Ford F150
2022 Ford F150 TrimsRate
XL Regular Cab 4WD$1,382
XL Super Cab 4WD1,436
XLT Regular Cab 4WD1,458
Lightning Pro1,472
XL SuperCrew 4WD1,476
XLT Super Cab 4WD1,490
XL Regular Cab1,494
XLT SuperCrew 4WD1,510
Lariat Super Cab 4WD1,540
Lariat SuperCrew 4WD1,556
XL Super Cab1,560
Tremor SuperCrew 4WD1,572
Lightning XLT1,572
XLT Regular Cab1,586
Lightning XLT Premium1,592
King Ranch SuperCrew 4WD1,602
XL SuperCrew1,606
Platinum SuperCrew 4WD1,616
XLT Super Cab1,620
Raptor SuperCrew 4WD1,634
Lightning Lariat1,634
XLT SuperCrew1,646
Lightning Lariat Premium1,670
Lariat Super Cab1,682
Lightning Platinum1,694
Lariat SuperCrew1,704
Tremor SuperCrew1,718
King Ranch SuperCrew1,754
Platinum SuperCrew1,768
Raptor SuperCrew1,790
Limited SuperCrew1,822
2022 Ford F150 Average Rate$1,600

2022 Ram Truck

$1,892

Insurance Rates by Trim Level for 2022 Ford F150
2022 Ram Truck TrimsRate
Tradesman Regular Cab 4WD$1,652
Express Regular Cab 4WD1,678
Tradesman Quad Cab 4WD1,698
Express Quad Cab 4WD1,724
Tradesman Crew Cab 4WD1,732
Express Crew Cab 4WD1,754
Big Horn Quad Cab 4WD1,754
Warlock Crew Cab 4WD1,760
Warlock Quad Cab 4WD1,784
Big Horn Crew Cab 4WD1,784
Tradesman Regular Cab 2WD1,818
Laramie Crew Cab 4WD1,826
Rebel Crew Cab 4WD1,836
Express Regular Cab 2WD1,848
Big Horn BackCountry Crew Cab 4WD1,848
Limited Longhorn Crew Cab 4WD1,876
Rebel GT Crew Cab 4WD1,902
Tradesman Quad Cab 2WD1,904
Laramie GT Crew Cab 4WD1,904
Limited Crew Cab 4WD1,904
Tradesman HFE Quad Cab 2WD1,930
Express Quad Cab 2WD1,938
Tradesman Crew Cab 2WD1,944
TRX Crew Cab 4WD1,958
TRX Level 1 Crew Cab 4WD1,968
Express Crew Cab 2WD1,972
Big Horn Quad Cab 2WD1,972
Warlock Crew Cab 2WD1,976
TRX Level 2 Crew Cab 4WD1,990
Warlock Quad Cab 2WD2,006
Big Horn Crew Cab 2WD2,006
TRX Ignition Edition Crew Cab 4WD2,006
Tradesman HFE Crew Cab 2WD2,022
Laramie Crew Cab 2WD2,054
Rebel Crew Cab 2WD2,066
Limited Longhorn Crew Cab 2WD2,114
Limited Crew Cab 2WD2,142
2022 Ram Truck Average Rate$1,892

2021 Ford F150 vs. Ram 1500

When comparing average insurance cost for 2021 models, the Ford F150 costs an average of $1,614 per year to insure and the Ram Truck costs $1,756, making the Ford F150 the winner by $142 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 $1,474 to $3,230 per year for a 2021 Ford F150, and $1,604 to $3,494 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 February 17, 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$3,230$1,696$1,614$1,474
Ram Truck$3,494$1,832$1,756$1,604

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 $1,438 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 $1,436 per year, or around $120 per month.

When looking at the aggregated rates by trim for both models, the cheapest trim to insure is the Ram Truck Classic Regular Cab ST 4WD at an average of $1,436 per year, and the most expensive vehicle to insure is the Ram Truck Crew Cab Longhorn 2WD at a cost of $2,034 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

$1,614

Insurance Rates by Trim Level for 2021 Ford F150
2021 Ford F150 TrimsRate
XL Regular Cab 6.5 4WD$1,438
XL Regular Cab 8 Ft Bed 4WD1,438
XL Regular Cab 2WD1,470
XL Regular Cab 6.5 2WD1,470
XL Super Cab 6.5 4WD1,488
XL Super Cab 8 Ft Bed 4WD1,488
XL SuperCrew 4WD1,488
XLT Regular Cab 6.5 4WD1,488
XLT Regular Cab 8 Ft Bed 4WD1,488
XL Super Cab 6.5 2WD1,520
XL SuperCrew 6.5 4WD1,536
XLT Super Cab 6.5 4WD1,536
XLT Super Cab 8 Ft Bed 4WD1,536
XLT SuperCrew 4WD1,536
XLT SuperCrew 6.51,550
Lariat Super Cab 4WD1,584
Lariat Super Cab 6.5 4WD1,584
Lariat Super Cab 8 Ft Bed 4WD1,584
XLT SuperCrew 6.5 4WD1,584
Lariat Super Cab 6.51,600
XL Super Cab 8 Ft Bed 2WD1,618
XL SuperCrew 2WD1,618
XLT Regular Cab 2WD1,618
XLT Regular Cab 6.5 2WD1,618
Raptor Super Cab 4WD1,634
King Ranch Crew Cab 6.51,648
XL SuperCrew 6.51,668
XLT Super Cab 6.5 2WD1,668
XLT Super Cab 8 Ft Bed 2WD1,668
XLT SuperCrew 2WD1,668
King Ranch Crew Cab 4WD1,684
King Ranch Crew Cab 6.5 4WD1,684
Platinum SuperCrew 4WD1,684
Platinum SuperCrew 6.5 4WD1,684
Raptor Crew Cab 4WD1,684
Platinum SuperCrew 6.51,698
Lariat Super Cab 2WD1,716
Lariat Super Cab 6.5 2WD1,716
Lariat Super Cab 8 Ft Bed 2WD1,716
King Ranch Crew Cab 2WD1,812
Limited Super Cab 4WD1,814
Platinum SuperCrew 2WD1,862
Limited Super Cab 2WD1,912
2021 Ford F150 Average Rate$1,614

2021 Ram Truck

$1,756

Insurance Rates by Trim Level for 2021 Ford F150
2021 Ram Truck TrimsRate
Classic Regular Cab ST 4WD$1,436
Quad Cab Tradesman 4WD1,534
Classic Crew Cab ST 4WD1,584
Classic Quad Cab SLT 4WD1,584
Classic Quad Cab ST 4WD1,584
Crew Cab Tradesman 4WD1,584
Quad Cab Big Horn 4WD1,584
Classic Crew Cab SLT 4WD1,632
Classic Regular Cab SLT 4WD1,632
Crew Cab Big Horn 4WD1,632
Quad Cab Laramie 4WD1,632
Quad Cab Rebel 4WD1,632
Crew Cab Laramie 4WD1,680
Crew Cab Rebel 4WD1,680
Classic Regular Cab ST 2WD1,692
Crew Cab Longhorn 4WD1,728
Crew Cab Limited 4WD1,778
Classic Quad Cab ST 2WD1,790
Classic Regular Cab SLT 2WD1,790
Quad Cab Tradesman 2WD1,790
Crew Cab TRX 4WD1,828
Classic Crew Cab ST 2WD1,840
Classic Quad Cab SLT 2WD1,840
Crew Cab Tradesman 2WD1,840
Crew Cab TRX TR1 4WD1,842
Crew Cab TRX TR2 4WD1,876
Classic Crew Cab SLT 2WD1,888
Crew Cab Big Horn 2WD1,888
Quad Cab Big Horn 2WD1,888
Quad Cab Laramie 2WD1,888
Crew Cab TRX Launch Edition 4WD1,926
Crew Cab Laramie 2WD1,936
Crew Cab Rebel 2WD1,936
Crew Cab Limited 2WD2,034
Crew Cab Longhorn 2WD2,034
2021 Ram Truck Average Rate$1,756

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 $128 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 $1,456 to $3,190 per year for a 2020 Ford F150, and $1,570 to $3,430 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 February 17, 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$3,190$1,672$1,592$1,456
Ram Truck$3,430$1,794$1,720$1,570

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 $1,420 per year, or $118 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 $1,418.

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 Ram Truck Classic Regular Cab ST 4WD at an average cost of $1,418 per year. The most expensive model and trim level is the Ram Truck Crew Cab Longhorn 2WD at a cost of $2,012 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

$1,592

Insurance Rates by Trim Level for 2020 Ford F150
2020 Ford F150 TrimsRate
XL Regular Cab 6.5 4WD$1,420
XL Regular Cab 8 Ft Bed 4WD1,420
XL Regular Cab 2WD1,454
XL Regular Cab 6.5 2WD1,454
XL Super Cab 6.5 4WD1,466
XL Super Cab 8 Ft Bed 4WD1,466
XL SuperCrew 4WD1,466
XLT Regular Cab 6.5 4WD1,466
XLT Regular Cab 8 Ft Bed 4WD1,466
XL Super Cab 6.5 2WD1,502
XL SuperCrew 6.5 4WD1,514
XLT Super Cab 6.5 4WD1,514
XLT Super Cab 8 Ft Bed 4WD1,514
XLT SuperCrew 4WD1,514
XLT SuperCrew 6.51,528
Lariat Super Cab 4WD1,562
Lariat Super Cab 6.5 4WD1,562
Lariat Super Cab 8 Ft Bed 4WD1,562
XLT SuperCrew 6.5 4WD1,562
Lariat Super Cab 6.51,576
XL Super Cab 8 Ft Bed 2WD1,598
XL SuperCrew 2WD1,598
XLT Regular Cab 2WD1,598
XLT Regular Cab 6.5 2WD1,598
Raptor Super Cab 4WD1,610
King Ranch Crew Cab 6.51,624
XL SuperCrew 6.51,646
XLT Super Cab 6.5 2WD1,646
XLT Super Cab 8 Ft Bed 2WD1,646
XLT SuperCrew 2WD1,646
King Ranch Crew Cab 4WD1,658
King Ranch Crew Cab 6.5 4WD1,658
Platinum SuperCrew 4WD1,658
Platinum SuperCrew 6.5 4WD1,658
Raptor Crew Cab 4WD1,658
Platinum SuperCrew 6.51,672
Lariat Super Cab 2WD1,692
Lariat Super Cab 6.5 2WD1,692
Lariat Super Cab 8 Ft Bed 2WD1,692
Limited Super Cab 4WD1,786
King Ranch Crew Cab 2WD1,788
Platinum SuperCrew 2WD1,838
Limited Super Cab 2WD1,886
2020 Ford F150 Average Rate$1,592

2020 Ram Truck

$1,720

Insurance Rates by Trim Level for 2020 Ford F150
2020 Ram Truck TrimsRate
Classic Regular Cab ST 4WD$1,418
Quad Cab Tradesman 4WD1,514
Classic Crew Cab ST 4WD1,562
Classic Quad Cab SLT 4WD1,562
Classic Quad Cab ST 4WD1,562
Crew Cab Tradesman 4WD1,562
Quad Cab Big Horn 4WD1,562
Classic Crew Cab SLT 4WD1,608
Classic Regular Cab SLT 4WD1,608
Crew Cab Big Horn 4WD1,608
Quad Cab Laramie 4WD1,608
Quad Cab Rebel 4WD1,608
Crew Cab Laramie 4WD1,656
Crew Cab Rebel 4WD1,656
Classic Regular Cab ST 2WD1,676
Crew Cab Longhorn 4WD1,704
Crew Cab Limited 4WD1,754
Classic Quad Cab ST 2WD1,772
Classic Regular Cab SLT 2WD1,772
Quad Cab Tradesman 2WD1,772
Classic Crew Cab ST 2WD1,820
Classic Quad Cab SLT 2WD1,820
Crew Cab Tradesman 2WD1,820
Classic Crew Cab SLT 2WD1,866
Crew Cab Big Horn 2WD1,866
Quad Cab Big Horn 2WD1,866
Quad Cab Laramie 2WD1,866
Crew Cab Laramie 2WD1,914
Crew Cab Rebel 2WD1,914
Crew Cab Limited 2WD2,012
Crew Cab Longhorn 2WD2,012
2020 Ram Truck Average Rate$1,720

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 $174 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 $1,376 to $3,018 per year for the included driver ages. A 2019 Ram Truck costs from $1,538 to $3,356 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 February 17, 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$3,018$1,582$1,508$1,376
Ram Truck$3,356$1,752$1,682$1,538

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 $1,292 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 $1,388.

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 $1,292 per year, and the most expensive model and trim level is the Ram Truck Crew Cab Longhorn 2WD at an average of $1,968 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

$1,508

Insurance Rates by Trim Level for 2019 Ford F150
2019 Ford F150 TrimsRate
XL Regular Cab 4WD$1,292
XL Super Cab 4WD1,352
XL Regular Cab 2WD1,360
XL Crew Cab 4WD1,398
XLT Regular Cab 4WD1,398
XL Super Cab 2WD1,406
XLT Crew Cab 4WD1,446
XLT Super Cab 4WD1,446
XL Crew Cab 2WD1,466
XLT Regular Cab 2WD1,466
Lariat Crew Cab 4WD1,490
Lariat Super Cab 4WD1,490
XLT Crew Cab 2WD1,510
XLT Super Cab 2WD1,510
Raptor Super Cab 4WD1,536
Lariat Crew Cab 2WD1,558
Lariat Super Cab 2WD1,558
King Ranch Crew Cab 4WD1,582
Platinum Crew Cab 4WD1,582
Raptor Crew Cab 4WD1,582
King Ranch Crew Cab 2WD1,650
Platinum Crew Cab 2WD1,650
Limited Crew Cab 4WD1,706
Limited Crew Cab 2WD1,772
2019 Ford F150 Average Rate$1,508

2019 Ram Truck

$1,682

Insurance Rates by Trim Level for 2019 Ford F150
2019 Ram Truck TrimsRate
Classic Regular Cab ST 4WD$1,388
Quad Cab Tradesman 4WD1,478
Classic Crew Cab ST 4WD1,524
Classic Quad Cab SLT 4WD1,524
Classic Quad Cab ST 4WD1,524
Crew Cab Tradesman 4WD1,524
Quad Cab Big Horn 4WD1,524
Classic Crew Cab SLT 4WD1,572
Classic Regular Cab SLT 4WD1,572
Crew Cab Big Horn 4WD1,572
Quad Cab Laramie 4WD1,572
Quad Cab Rebel 4WD1,572
Crew Cab Laramie 4WD1,618
Crew Cab Rebel 4WD1,618
Classic Regular Cab ST 2WD1,648
Crew Cab Longhorn 4WD1,664
Crew Cab Limited 4WD1,708
Classic Quad Cab ST 2WD1,738
Classic Regular Cab SLT 2WD1,738
Quad Cab Tradesman 2WD1,738
Classic Crew Cab ST 2WD1,784
Classic Quad Cab SLT 2WD1,784
Crew Cab Tradesman 2WD1,784
Classic Crew Cab SLT 2WD1,832
Crew Cab Big Horn 2WD1,832
Quad Cab Big Horn 2WD1,832
Quad Cab Laramie 2WD1,832
Crew Cab Laramie 2WD1,878
Crew Cab Rebel 2WD1,878
Crew Cab Limited 2WD1,968
Crew Cab Longhorn 2WD1,968
2019 Ram Truck Average Rate$1,682

2018 Ford F150 vs Ram 1500

When comparing insurance rates for 2018 models, the Ford F150 costs an average of $1,450 per year to insure and the Ram Truck costs $1,638, making the Ford F150 the winner by $188 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 $1,326 to $2,906 per year for the included driver ages. A 2018 Ram Truck costs from $1,496 to $3,270 to insure per year.

Get Rates in Your AreaWhy is this important?

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 February 17, 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$2,906$1,520$1,450$1,326
Ram Truck$3,270$1,702$1,638$1,496

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 $1,262 per year, or about $105 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 $1,356 per year, or $113 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 $1,262 per year. The most expensive model and trim level is the Ram Truck Crew Cab Longhorn Limited 2WD costing $1,926 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

$1,450

Insurance Rates by Trim Level for 2018 Ford F150
2018 Ford F150 TrimsRate
XL Regular Cab 4WD$1,262
XL Regular Cab 2WD1,284
XL Super Cab 4WD1,318
XL Crew Cab 4WD1,364
XLT Regular Cab 4WD1,364
XLT Super Cab 4WD1,364
XL Super Cab 2WD1,374
XLT Regular Cab 2WD1,374
Lariat Super Cab 4WD1,406
XLT Crew Cab 4WD1,406
XL Crew Cab 2WD1,430
XLT Super Cab 2WD1,430
Lariat Crew Cab 4WD1,450
Raptor Super Cab 4WD1,450
XLT Crew Cab 2WD1,474
Raptor Crew Cab 4WD1,496
Lariat Crew Cab 2WD1,518
Lariat Super Cab 2WD1,518
King Ranch Crew Cab 4WD1,538
Platinum Crew Cab 4WD1,538
Limited Crew Cab 4WD1,584
King Ranch Crew Cab 2WD1,608
Platinum Crew Cab 2WD1,608
Limited Crew Cab 2WD1,682
2018 Ford F150 Average Rate$1,450

2018 Ram Truck

$1,638

Insurance Rates by Trim Level for 2018 Ford F150
2018 Ram Truck TrimsRate
Express 4WD$1,356
Tradesman 4WD1,356
Big Horn 4WD1,400
Lone Star 4WD1,400
Quad Cab Express 4WD1,442
Quad Cab Tradesman 4WD1,442
SLT 4WD1,442
Crew Cab Express 4WD1,488
Crew Cab Tradesman 4WD1,488
Quad Cab Big Horn 4WD1,488
Quad Cab Lone Star 4WD1,488
Quad Cab SLT 4WD1,488
Sport 4WD1,488
Crew Cab Lone Star 4WD1,530
Crew Cab SLT 4WD1,530
Crew Cab SSV 4WD1,530
Crew Cab Sport 4WD1,530
Quad Cab Laramie 4WD1,530
Quad Cab Sport 4WD1,530
Crew Cab Laramie 4WD1,576
Crew Cab Rebel 4WD1,576
Tradesman 2WD1,618
Crew Cab Laramie Longhorn 4WD1,620
Crew Cab Longhorn Limited 4WD1,620
Big Horn 2WD1,704
Lone Star 2WD1,704
SLT 2WD1,704
Crew Cab Express 2WD1,750
Crew Cab Tradesman 2WD1,750
Quad Cab Big Horn 2WD1,750
Quad Cab Express 2WD1,750
Quad Cab Lone Star 2WD1,750
Quad Cab SLT 2WD1,750
Quad Cab Tradesman 2WD1,750
Crew Cab Big Horn 2WD1,792
Crew Cab SLT 2WD1,792
Express 2WD1,792
Quad Cab Sport 2WD1,792
Sport 2WD1,792
Crew Cab Laramie 2WD1,838
Crew Cab Sport 2WD1,838
Quad Cab HFE 2WD1,838
Quad Cab Laramie 2WD1,838
Crew Cab Rebel 2WD1,882
Crew Cab Laramie Longhorn 2WD1,926
Crew Cab Longhorn Limited 2WD1,926
2018 Ram Truck Average Rate$1,638

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 $208 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 $1,274 to $2,784 per year for the driver ages used. A 2017 Ram Truck costs from $1,462 to $3,186 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 February 17, 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$2,784$1,456$1,392$1,274
Ram Truck$3,186$1,660$1,600$1,462

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 $1,218 per year, or about $102 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 $1,310 per year, or around $109 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 $1,218 per year, and the highest-cost model and trim level is the Ram Truck Crew Cab Longhorn Limited 2WD Diesel at a cost of $1,904 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

$1,392

Insurance Rates by Trim Level for 2017 Ford F150
2017 Ford F150 TrimsRate
XL Regular Cab 4WD$1,218
XL Regular Cab 2WD1,246
XL Super Cab 4WD1,270
XLT Regular Cab 4WD1,270
XL Crew Cab 4WD1,312
XLT Super Cab 4WD1,312
XL Super Cab 2WD1,328
XLT Regular Cab 2WD1,328
Lariat Super Cab 4WD1,352
XLT Crew Cab 4WD1,352
XL Crew Cab 2WD1,380
XLT Super Cab 2WD1,380
Lariat Crew Cab 4WD1,396
SVT Super Cab Raptor 4WD1,396
XLT Crew Cab 2WD1,424
Lariat King Ranch 4WD1,436
SVT Crew Cab Raptor 4WD1,436
Lariat Crew Cab 2WD1,464
Lariat Super Cab 2WD1,464
Lariat Crew Cab Platinum Edition 4WD1,478
Limited Crew Cab 4WD1,518
Lariat Crew Cab Platinum Edition 2WD1,546
Lariat King Ranch 2WD1,546
Limited Crew Cab 2WD1,588
2017 Ford F150 Average Rate$1,392

2017 Ram Truck

$1,600

Insurance Rates by Trim Level for 2017 Ford F150
2017 Ram Truck TrimsRate
Express 4WD$1,310
Tradesman 4WD1,310
Quad Cab Express 4WD1,394
Quad Cab Tradesman 4WD1,394
SLT 4WD1,394
Tradesman 4WD Diesel1,394
Lone Star 4WD1,414
Big Horn 4WD1,436
Crew Cab Express 4WD1,436
Crew Cab SSV 4WD1,436
Crew Cab Tradesman 4WD1,436
Quad Cab Express 4WD Diesel1,436
Quad Cab Lone Star 4WD1,436
Quad Cab SLT 4WD1,436
Quad Cab Tradesman 4WD Diesel1,436
Sport 4WD1,436
Crew Cab Tradesman 4WD Diesel1,456
Crew Cab Big Horn 4WD1,476
Crew Cab Express 4WD Diesel1,476
Crew Cab Lone Star 4WD1,476
Crew Cab SLT 4WD1,476
Quad Cab Big Horn 4WD1,476
Quad Cab Laramie 4WD1,476
Quad Cab Lone Star 4WD Diesel1,476
Quad Cab SLT 4WD Diesel1,476
Quad Cab Sport 4WD1,476
SLT 4WD Diesel1,476
Crew Cab Sport 4WD1,496
Crew Cab Laramie 4WD1,518
Crew Cab Rebel 4WD1,518
Crew Cab SLT 4WD Diesel1,518
Quad Cab Big Horn 4WD Diesel1,518
Quad Cab Laramie 4WD Diesel1,518
Crew Cab Laramie 4WD Diesel1,538
Crew Cab Laramie Longhorn 4WD1,558
Express 2WD1,572
Tradesman 2WD1,572
Crew Cab Laramie Longhorn 4WD Diesel1,600
Crew Cab Longhorn Limited 4WD1,600
Crew Cab Longhorn Limited 4WD Diesel1,600
Lone Star 2WD1,656
Quad Cab Express 2WD1,656
Quad Cab Tradesman 2WD1,656
SLT 2WD1,656
Tradesman 2WD Diesel1,656
Crew Cab Tradesman 2WD1,676
Big Horn 2WD1,698
Crew Cab Express 2WD1,698
Quad Cab Lone Star 2WD1,698
Quad Cab SLT 2WD1,698
Quad Cab Tradesman 2WD Diesel1,698
SLT 2WD Diesel1,698
Crew Cab Express 2WD Diesel1,738
Crew Cab SLT 2WD1,738
Crew Cab Tradesman 2WD Diesel1,738
Quad Cab Big Horn 2WD1,738
Quad Cab Express 2WD Diesel1,738
Quad Cab HFE 2WD1,738
Quad Cab Laramie 2WD1,738
Quad Cab Lone Star 2WD Diesel1,738
Quad Cab SLT 2WD Diesel1,738
Quad Cab Sport 2WD1,738
Sport 2WD1,738
Crew Cab Big Horn 2WD1,780
Crew Cab Laramie 2WD1,780
Crew Cab Rebel 2WD1,780
Crew Cab SLT 2WD Diesel1,780
Crew Cab Sport 2WD1,780
Quad Cab Big Horn 2WD Diesel1,780
Quad Cab Laramie 2WD Diesel1,780
Crew Cab Laramie 2WD Diesel1,820
Crew Cab Laramie Longhorn 2WD1,820
Crew Cab Laramie Longhorn 2WD Diesel1,862
Crew Cab Longhorn Limited 2WD1,862
Crew Cab Longhorn Limited 2WD Diesel1,904
2017 Ram Truck Average Rate$1,600

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 $198 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 $1,248 to $2,736 per year for the illustrated age groups. A 2016 Ram Truck costs from $1,428 to $3,112 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 February 17, 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$2,736$1,422$1,362$1,248
Ram Truck$3,112$1,618$1,560$1,428

Out of 22 Ford F150 trims, the cheapest 2016 trim to insure is the XL Regular Cab 4WD trim at an average cost of $1,208 per year, or about $101 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 $1,418.

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 $1,208 per year. The most expensive model and trim level is the Ram Truck Crew Cab Longhorn Limited 2WD at an average of $1,724 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

$1,362

Insurance Rates by Trim Level for 2016 Ford F150
2016 Ford F150 TrimsRate
XL Regular Cab 4WD$1,208
XL Regular Cab 2WD1,228
XL Super Cab 4WD1,260
XLT Regular Cab 4WD1,260
XL Crew Cab 4WD1,300
XLT Super Cab 4WD1,300
XL Crew Cab 2WD1,306
XL Super Cab 2WD1,306
XLT Regular Cab 2WD1,306
Lariat Super Cab 4WD1,338
XLT Crew Cab 4WD1,338
XLT Super Cab 2WD1,358
Lariat Crew Cab 4WD1,378
Lariat Super Cab 2WD1,398
XLT Crew Cab 2WD1,398
Lariat King Ranch 4WD1,416
Lariat Crew Cab 2WD1,436
Lariat Crew Cab Platinum Edition 4WD1,454
Lariat King Ranch 2WD1,476
Limited Crew Cab 4WD1,494
Lariat Crew Cab Platinum Edition 2WD1,512
Limited Crew Cab 2WD1,552
2016 Ford F150 Average Rate$1,362

2016 Ram Truck

$1,560

Insurance Rates by Trim Level for 2016 Ford F150
2016 Ram Truck TrimsRate
Express 4WD$1,418
Tradesman 4WD1,418
Express 2WD1,452
Tradesman 2WD1,452
Quad Cab Express 4WD1,470
Quad Cab Tradesman 4WD1,470
SLT 4WD1,470
Tradesman 4WD Diesel1,470
Big Horn 4WD1,510
Crew Cab Express 4WD1,510
Crew Cab SSV 4WD1,510
Crew Cab Tradesman 4WD1,510
Lone Star 4WD1,510
Quad Cab Express 4WD Diesel1,510
Quad Cab Outdoorsman 4WD1,510
Quad Cab SLT 4WD1,510
Quad Cab Tradesman 4WD Diesel1,510
Sport 4WD1,510
HFE 2WD1,530
Quad Cab Express 2WD1,530
Quad Cab Tradesman 2WD1,530
SLT 2WD1,530
Tradesman 2WD Diesel1,530
Crew Cab Big Horn 4WD1,546
Crew Cab Express 4WD Diesel1,546
Crew Cab Lone Star 4WD1,546
Crew Cab Outdoorsman 4WD1,546
Crew Cab SLT 4WD1,546
Crew Cab SSV 4WD Diesel1,546
Crew Cab Tradesman 4WD Diesel1,546
Quad Cab Big Horn 4WD1,546
Quad Cab Laramie 4WD1,546
Quad Cab Lone Star 4WD1,546
Quad Cab Outdoorsman 4WD Diesel1,546
Quad Cab SLT 4WD Diesel1,546
Quad Cab Sport 4WD1,546
SLT 4WD Diesel1,546
Crew Cab Tradesman 2WD1,550
Crew Cab Laramie 4WD1,566
Big Horn 2WD1,570
Crew Cab Express 2WD1,570
Lone Star 2WD1,570
Quad Cab SLT 2WD1,570
Quad Cab Tradesman 2WD Diesel1,570
SLT 2WD Diesel1,570
Sport 2WD1,570
Crew Cab Rebel 4WD1,586
Crew Cab SLT 4WD Diesel1,586
Crew Cab Sport 4WD1,586
Quad Cab Big Horn 4WD Diesel1,586
Quad Cab Laramie 4WD Diesel1,586
Quad Cab Lone Star 4WD Diesel1,586
Crew Cab Laramie 4WD Diesel1,606
Crew Cab Big Horn 2WD1,608
Crew Cab Lone Star 2WD1,608
Crew Cab SLT 2WD1,608
Quad Cab Big Horn 2WD1,608
Quad Cab Express 2WD Diesel1,608
Quad Cab HFE 2WD1,608
Quad Cab Laramie 2WD1,608
Quad Cab Lone Star 2WD1,608
Quad Cab SLT 2WD Diesel1,608
Quad Cab Sport 2WD1,608
Crew Cab Laramie Longhorn 4WD1,624
Crew Cab Longhorn Limited 4WD1,644
Crew Cab Laramie 2WD1,646
Crew Cab Rebel 2WD1,646
Crew Cab Sport 2WD1,646
Quad Cab Laramie 2WD Diesel1,646
Quad Cab Lone Star 2WD Diesel1,646
Crew Cab Laramie Longhorn 4WD Diesel1,664
Crew Cab Laramie Longhorn 2WD1,686
Crew Cab Longhorn Limited 2WD1,724
2016 Ram Truck Average Rate$1,560

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 $80 per year.

The rate chart below displays the average cost to insure both models with different driver age groups. Insurance cost ranges from $1,256 to $2,754 per year for a 2015 Ford F150, and $1,328 to $2,898 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 February 17, 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$2,754$1,428$1,376$1,256
Ram Truck$2,898$1,506$1,456$1,328

Out of 20 Ford F150 trims, the cheapest 2015 model to insure is the XL Regular Cab 2WD trim at an average cost of $1,214 per year, or about $101 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 $1,272 per year, or about $106 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 $1,214 per year, and the most expensive model and trim level is the Ram Truck Crew Cab Laramie Longhorn 2WD costing an average of $1,636 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

$1,376

Insurance Rates by Trim Level for 2015 Ford F150
2015 Ford F150 TrimsRate
XL Regular Cab 2WD$1,214
XL Super Cab 2WD1,276
XL Regular Cab 4WD1,300
XL Super Cab 4WD1,300
XL Crew Cab 2WD1,312
XLT Regular Cab 2WD1,312
XL Crew Cab 4WD1,346
XLT Regular Cab 4WD1,346
XLT Crew Cab 2WD1,358
XLT Super Cab 2WD1,358
XLT Crew Cab 4WD1,382
XLT Super Cab 4WD1,382
Lariat Super Cab 2WD1,394
Lariat Crew Cab 4WD1,418
Lariat Super Cab 4WD1,418
Lariat Crew Cab 2WD1,428
Lariat King Ranch 2WD1,466
Lariat Crew Cab Platinum Edition 4WD1,490
Lariat King Ranch 4WD1,490
Lariat Crew Cab Platinum Edition 2WD1,502
2015 Ford F150 Average Rate$1,376

2015 Ram Truck

$1,456

Insurance Rates by Trim Level for 2015 Ford F150
2015 Ram Truck TrimsRate
Tradesman 4WD$1,272
Express 4WD1,310
Quad Cab Tradesman 4WD1,310
Crew Cab Rebel 4WD1,328
Big Horn 4WD1,346
Lone Star 4WD1,346
Quad Cab Express 4WD1,346
SLT 4WD1,346
Tradesman 4WD Diesel1,346
Crew Cab Tradesman 4WD1,364
Crew Cab Express 4WD1,380
Crew Cab SSV 4WD1,380
Quad Cab Big Horn 4WD1,380
Quad Cab Express 4WD Diesel1,380
Quad Cab Lone Star 4WD1,380
Quad Cab Outdoorsman 4WD1,380
Quad Cab SLT 4WD1,380
Quad Cab Tradesman 4WD Diesel1,380
SLT 4WD Diesel1,380
Sport 4WD1,380
Tradesman 2WD1,388
Crew Cab SLT 4WD1,398
Crew Cab Tradesman 4WD Diesel1,398
Crew Cab Big Horn 4WD1,416
Crew Cab Express 4WD Diesel1,416
Crew Cab Lone Star 4WD1,416
Crew Cab Outdoorsman 4WD1,416
Crew Cab Sport 4WD1,416
Quad Cab Big Horn 4WD Diesel1,416
Quad Cab Laramie 4WD1,416
Quad Cab Lone Star 4WD Diesel1,416
Quad Cab Outdoorsman 4WD Diesel1,416
Quad Cab SLT 4WD Diesel1,416
Quad Cab Sport 4WD1,416
Express 2WD1,422
Crew Cab Laramie 4WD1,434
Crew Cab SLT 4WD Diesel1,434
Crew Cab SSV 4WD Diesel1,452
Quad Cab Laramie 4WD Diesel1,452
Quad Cab Tradesman 2WD1,458
Crew Cab Laramie 4WD Diesel1,472
Crew Cab Laramie Longhorn 4WD1,488
Crew Cab Laramie Longhorn 4WD Diesel1,488
Big Horn 2WD1,496
Crew Cab Tradesman 2WD1,496
HFE 2WD1,496
Lone Star 2WD1,496
Quad Cab Express 2WD1,496
SLT 2WD1,496
Tradesman 2WD Diesel1,496
Crew Cab HFE 2WD1,526
Crew Cab Express 2WD1,530
Quad Cab Big Horn 2WD1,530
Quad Cab Express 2WD Diesel1,530
Quad Cab Lone Star 2WD1,530
Quad Cab SLT 2WD1,530
Quad Cab Tradesman 2WD Diesel1,530
SLT 2WD Diesel1,530
Sport 2WD1,530
Crew Cab SLT 2WD1,548
Crew Cab Rebel 2WD1,564
Crew Cab Big Horn 2WD1,566
Crew Cab Lone Star 2WD1,566
Crew Cab Outdoorsman 2WD1,566
Quad Cab Laramie 2WD1,566
Quad Cab Lone Star 2WD Diesel1,566
Quad Cab SLT 2WD Diesel1,566
Quad Cab Sport 2WD1,566
Crew Cab Laramie 2WD1,602
Crew Cab Sport 2WD1,602
Quad Cab Laramie 2WD Diesel1,602
Crew Cab Laramie Longhorn 2WD1,636
2015 Ram Truck Average Rate$1,456

Additional Ford F150 and Ram Truck Resources