Ford F150 vs Ram 1500 Insurance – Which is Cheaper?

• 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Additional Ford F150 and Ram Truck Resources

• Ford F150 Insurance Rates
• Ram Truck Insurance Rates
• Large Truck Insurance Rate Comparisons