Ram Insurance Cost for 2025: Expected Rates Plus Comparisons

How much does Ram insurance cost? Get average car insurance rates on Ram trucks and vans to see which have the cheapest overall insurance.

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Spun off from the Dodge brand in 2010, the Ram Trucks brand now produces pickups and utility vans from its Warren and Sterling Heights, Michigan, and Saltillo, Mexico, assembly plants.

With the price of a new Ram Truck able to surpass $90,000, will drivers be able to fit the cost of insurance into their monthly budget?

Let’s take a look at the average cost to insure the different Ram models and see how they compare to the competition.

How much does Ram insurance cost?

At an average cost of $2,730 per year for 2024 models, Ram insurance ranges from $2,258 a year for a Ram Promaster up to $2,988 per year for the Ram Truck 2500.

The U.S. national average car insurance rate is $2,221 per year, so the average cost to insure Ram vehicles costs 20.6% more.

The table below breaks out average annual and monthly auto insurance cost for the different Ram models.

Average Insurance Cost for Ram Vehicles
Model Annual Premium Cost Per Month
Ram Promaster$2,258$188
Ram Promaster City 2022 and prior model years$1,718$143
Ram Tradesman 2015 and prior model years$1,296$108
Ram Truck$2,708$226
Ram Truck 2500$2,988$249
Ram Truck 3500$2,964$247

How does Ram insurance compare to Ford and Chevy?

When compared to its top two competitors, Ram insurance is 14.1% more expensive per year than Chevy and 11.2% more expensive than Ford.

GMC is also a competitor along with Nissan and its Titan and Titan XD line of trucks and the NV series of vans. Ram insurance costs an average of 11.4% more than GMC and 11.9% more than Nissan.

The next chart visualizes the comparison between Ram insurance cost and the Chevrolet, GMC, Ford, and Nissan brands.

Average car insurance cost for 2024 model year Ram vehicles compared to competitors.
Figure 1: Average car insurance cost for 2024 model year Ram vehicles compared to competitors. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance rates include all Ram, Chevrolet, Ford, GMC, and Nissan vehicles for the 2024 model year. Rated driver is a 40-year-old married male with no driving violations or at-fault accidents for the prior three years. Comprehensive and collision deductibles are $500, UM/UIM and medical payments coverages are included, and rates are averaged for all U.S. states.

Keep in mind, however, than when comparing brands, all models are included in the overall average cost. So for Chevy, Ford, GMC and Nissan, their average rates are influenced by smaller, cheaper models like the Chevrolet Trax, Ford EcoSport, GMC Terrain, and Nissan Kicks.

Ram is just pickup trucks and vans, so it makes more sense in this case to compare rates for specific models rather than for a brand as a whole.

The next table includes a full list of automakers and compares the average cost to insure each one to the cost to insure a Ram vehicle.

Ram Insurance Cost vs. Popular Automotive Brands
Automotive Brand Insurance Cost Difference
Ram$2,730--
Acura$2,202-$528
Audi$3,025$295
BMW$3,070$340
Cadillac$2,518-$212
Chevrolet$2,370-$360
Ford$2,441-$289
Genesis$2,798$68
GMC$2,435-$295
Honda$2,123-$607
Hyundai$2,314-$416
Infiniti$2,456-$274
Jaguar$2,883$153
Jeep$2,558-$172
Kia$2,259-$471
Land Rover$3,065$335
Lexus$2,601-$129
Lincoln$2,587-$143
Mazda$2,240-$490
Mercedes-Benz$3,386$656
Subaru$2,229-$501
Tesla$2,839$109
Toyota$2,400-$330
Volkswagen$2,187-$543
Volvo$2,620-$110

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Insurance cost is averaged for all models for the 2024 model year for each automobile manufacturer. Updated June 27, 2025

Average cost of Ram insurance ($2,730 per year) compared to other automotive manufacturers
Average cost of Ram insurance ($2,730 per year) compared to other automotive manufacturers

As to be expected, Ram insurance costs less than most of the luxury automakers. For mainstream non-luxury brands, however, average Ram insurance costs more.

As mentioned before, though, keep in mind that the other brands have small cars and compact SUVs that have cheap insurance rates. Ram does not, so it’s not really an apples-to-apples comparison.

We recommend visiting the detailed rate analysis page on our site for the model you’re interested in. This will provide you with much more detail such as rates by trim level and rates for older models. In addition, you can also see how that specific model compares to all the competitors in its segment.