Ram Car Insurance Cost for 2023

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 $2,004 per year for 2023 models, Ram insurance ranges from $1,758 a year for a Ram Promaster up to $2,222 per year for the Ram Truck 3500.

The U.S. national average car insurance rate is $1,728 per year, so the average cost to insure Ram vehicles costs 14.8% 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 Cost Monthly Cost
Ram Promaster$1,758$147
Ram Promaster City 2022 and prior model years$1,368$114
Ram Tradesman 2015 and prior model years$1,104$92
Ram Truck$1,982$165
Ram Truck 2500$2,054$171
Ram Truck 3500$2,222$185

How does Ram insurance compare to Ford and Chevy?

When compared to its top two competitors, Ram insurance is 10.8% more expensive per year than Chevy and 9.3% 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 6.4% more than GMC and 12.1% more than Nissan.

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

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average car insurance rates include all Ram, Chevrolet, Ford, GMC, and Nissan vehicles for the 2023 model year. Rated driver is a 40-year-old married male with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
Ram Insurance Cost vs. Top Competitors

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
Land Rover$2,201$197

Get Rates in Your AreaWhy is this important?

Table Data Details: Average car insurance cost for each automotive brand assumes a clean driving record and no at-fault accidents for a 40-year-old driver. Rates are averaged for all 2023 models for each manufacturer and for all U.S. states. The difference column indicates the cost difference between each brand and the average cost of Ram insurance. Green indicates the brand is cheaper to insure on average than Ram and red indicates the brand costs more to insure on average than Ram.Data last updated on August 11, 2023
Ram Insurance Cost vs. Popular Automotive Brands

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.