Ram 1500 Insurance Cost and Rates for 2022

How much does Ram 1500 insurance cost? We compare the base model up to Ram TRX insurance rates to see how prices compare to all other full-size pickups.

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  • Ram 1500 insurance costs an average of $1,742 per year for full coverage, depending on the trim level.
  • The cheapest Ram 1500 insurance is on the Tradesman Regular Cab 4WD costing an average of $1,520 per year. The most expensive is the Limited Crew Cab 2WD at $1,966 annually.
  • The Ram 1500 pickup is one of the more expensive large trucks to insure for 2022, costing $85 more per year on average as compared to other large trucks. It ranks #6 in the large truck class for insurance affordability.
  • Ram TRX insurance costs anywhere from $74 to $166 more per year than the average Ram 1500 model.

How much does Ram 1500 insurance cost?

Ram 1500 insurance cost averages $1,742 per year, or $871 for a 6-month policy, for full coverage. With the average full-size truck costing $1,657 a year to insure, Ram Truck owners could be paying around $85 more each year on average.

Depending on the trim level of the truck being insured, monthly car insurance cost for the Ram 1500 ranges from $127 to $164, with the Tradesman Regular Cab 4WD being cheapest and the Limited Crew Cab 2WD costing the most to insure.

The chart below shows average car insurance rates for a 2022 Ram 1500 using different driver ages and risk profiles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Ram Truck with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Ram Truck trim levels.Data last updated on September 8, 2022
Ram Truck Insurance Cost Summary
Ram Truck Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,950$329
Safe Driver Age 20$3,460$288
At-fault Accidents Age 40$2,464$205
Low Deductibles Age 40$2,240$187
Safe Driver Age 30$1,828$152
Safe Driver Age 40$1,742$145
Safe Driver Age 50$1,588$132
Safe Driver Age 60$1,556$130
High Deductibles Age 40$1,484$124
Discount Rate Age 40$1,442$120

What can you glean from the chart above? Well, for starters, high risk insurance is expensive. If you’re unfortunate enough to have multiple serious driving offenses like reckless driving or a DUI (or two), you’re going to be paying more. A lot more, actually. For a 30-year-old driver, having to buy a high-risk insurance policy more than doubles the cost of Ram pickup insurance.

If you’re looking to save money on car insurance, increasing deductibles from $500 to $1,000 could save around $258 per year when insuring a Ram 1500.

One of the quickest ways to lower your insurance rates is to increase your deductibles, providing you maintain adequate savings to pay the higher deductible in the event of a claim.

It should also be pretty apparent that as driver age increases, insurance rates decrease. It’s just human nature to become more conservative (less aggressive) as we age, and that translates into fewer accidents and claims. The reward is cheaper insurance for your favorite Ram truck!

The discount rate data point in the chart is a scenario where you are essentially the perfect risk for a car insurance company. You’re middle-aged, married, own your home, have multiple vehicles on the same policy, insure your home and auto with the same company, have a clean driving record and no claims, and have great credit.

The more discounts you can check off, the lower your insurance rate will be.

What is the cheapest Ram 1500 insurance?

The cheapest Ram 1500 insurance is on the Tradesman Regular Cab 4WD trim level costing $1,520 per year. The next cheapest trim is the Express Regular Cab 4WD at $1,544, and the third cheapest trim level is the Tradesman Quad Cab 4WD at $1,562 per year.

On the opposite end of the cost spectrum, the three most expensive Ram pickup trim levels to insure are the Ram 1500 Rebel Crew Cab 2WD, the Limited Longhorn Crew Cab 2WD, and the Limited Crew Cab 2WD trim levels at an estimated $1,900,  $1,942, and $1,966 per year, respectively.

As a general rule, the lower the MSRP of a vehicle, the cheaper it will be to insure. This is primarily due to the higher cost that would be incurred by your car insurance company if the vehicle is totaled out from an accident or weather-related event. In the case of the Ram truck lineup, it stands to reason that a lower-cost work truck model like the Tradesman would have cheaper insurance rates than the high-end Laramie, Longhorn, Limited, and TRX models.

The table below details the average Ram car insurance cost for the 2022 model year, plus a monthly budget figure, for each available package and trim.

2022 Ram Truck Insurance Cost by Trim Level
Ram Truck Trim Level Annual Policy 6-month Policy Per Month
Tradesman Regular Cab 4WD$1,520$760$127
Express Regular Cab 4WD$1,544$772$129
Tradesman Quad Cab 4WD$1,562$781$130
Express Quad Cab 4WD$1,588$794$132
Tradesman Crew Cab 4WD$1,594$797$133
Express Crew Cab 4WD$1,616$808$135
Big Horn Quad Cab 4WD$1,616$808$135
Warlock Crew Cab 4WD$1,620$810$135
Warlock Quad Cab 4WD$1,644$822$137
Big Horn Crew Cab 4WD$1,644$822$137
Tradesman Regular Cab 2WD$1,666$833$139
Laramie Crew Cab 4WD$1,684$842$140
Rebel Crew Cab 4WD$1,692$846$141
Express Regular Cab 2WD$1,696$848$141
Big Horn BackCountry Crew Cab 4WD$1,702$851$142
Limited Longhorn Crew Cab 4WD$1,730$865$144
Tradesman Quad Cab 2WD$1,748$874$146
Laramie GT Crew Cab 4WD$1,754$877$146
Limited Crew Cab 4WD$1,754$877$146
Rebel GT Crew Cab 4WD$1,754$877$146
Tradesman HFE Quad Cab 2WD$1,772$886$148
Express Quad Cab 2WD$1,776$888$148
Tradesman Crew Cab 2WD$1,786$893$149
TRX Crew Cab 4WD$1,806$903$151
Express Crew Cab 2WD$1,810$905$151
Big Horn Quad Cab 2WD$1,810$905$151
Warlock Crew Cab 2WD$1,812$906$151
TRX Level 1 Crew Cab 4WD$1,816$908$151
TRX Level 2 Crew Cab 4WD$1,834$917$153
Warlock Quad Cab 2WD$1,842$921$154
Big Horn Crew Cab 2WD$1,842$921$154
TRX Ignition Edition Crew Cab 4WD$1,850$925$154
Tradesman HFE Crew Cab 2WD$1,856$928$155
Laramie Crew Cab 2WD$1,886$943$157
Rebel Crew Cab 2WD$1,900$950$158
Limited Longhorn Crew Cab 2WD$1,942$971$162
Limited Crew Cab 2WD$1,966$983$164

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Ram Truck, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Ram Truck Insurance Cost by Trim Level

How does Ram 1500 insurance cost compare?

When compared to other half-ton trucks, the Ram 1500 tends to cost a little more than average, ranking #6 at $1,742 per year. Ram insurance costs $85 more per year when compared to the average insurance rate for the full-size truck segment.

The table below compares Dodge Ram 1500 insurance cost to competition like the Ford F150, Chevy Silverado, and Toyota Tundra.

Ram Truck vs All Large Trucks Insurance Affordability Ranking
Rank Make/Model Insurance Cost Difference
1Ford F150$1,478-$264
2GMC Sierra$1,552-$190
3Nissan Titan$1,610-$132
4Chevrolet Silverado$1,638-$104
5Toyota Tundra$1,640-$102
6Ram Truck$1,742--
7GMC Hummer EV Pickup$1,940$198

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Ram Truck vs All Large Trucks Insurance Affordability Ranking

Even though the average insurance cost for a Dodge Ram 1500 puts it at the bottom of the large truck insurance rate comparison, one has to keep in mind the role that trim level plays on total cost.

If you’re insuring a model like the Quad Cab Big Horn 4WD, the average rate is actually under $1,500 a year. Compare that to the cost to insure a F150 Platinum SuperCrew 2WD at around $1,750 a year and the cost of Ram Truck insurance isn’t so bad after all.

Plus, the addition of the new Ram 1500 TRX throws some higher insurance rates into the mix due to it’s MSRP of $69,995 and 702 horsepower under the hood. All that cost and muscle pushes the overall average for all Ram Truck models higher.

How much does Ram TRX insurance cost?

The TRX models like the base 4WD, the TR1, TR2, and Launch Edition trucks cost anywhere from $74 to $166 more to insure per year than the average Ram 1500 insurance cost of $1,742.

With 702 horsepower pumped out of the supercharged 6.2L Hemi, it’s going to cost a little more to cover the extra MSRP of the TRX models. The Launch Edition package alone adds about $12,000 to the sticker price, with the TRX Level 1 at around $3,400 and the TRX Level 2 at about $7,900.

Throw in the TRX Carbon-Fiber Package, the Technology Group, Advanced Safety Group, and Bed Utility Group, and you just tacked on another $4,200 to the MSRP.

When putting this much value into a truck, it’s best just to nail down the exact insurance rate for your location by getting some free quotes.

Ram insurance rates by model year

The following table shows average full-coverage Ram 1500 pickup truck insurance rates for the 2013-2022 model years and for various driver ages.

Ram Truck Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$3,460$1,828$1,742$1,588$1,556
2021$3,196$1,680$1,606$1,464$1,436
2020$3,118$1,634$1,568$1,432$1,404
2019$3,086$1,612$1,550$1,414$1,388
2018$3,006$1,568$1,510$1,378$1,350
2017$2,968$1,546$1,486$1,358$1,334
2016$2,884$1,498$1,444$1,318$1,294
2015$2,738$1,422$1,368$1,254$1,228
2014$2,480$1,294$1,248$1,142$1,118
2013$2,496$1,294$1,260$1,154$1,128

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Ram 1500 Insurance Cost by Model Year

How much is liability insurance on a Ram pickup?

Older Ram trucks may not require full coverage, and buying a liability-only insurance policy will cut the cost considerably. The table below compares the cost of full-coverage insurance to liability-only insurance on older model Ram trucks.

Ram Truck Insurance Rates for 2003 to 2012 Model Years
Vehicle Model Year Full Coverage Insurance Liability Insurance
2012 Ram Truck$1,224$650
2011 Ram Truck$1,190$644
2010 Ram Truck$1,144$638
2009 Ram Truck$1,108$634
2008 Ram Truck$1,064$628
2007 Ram Truck$1,020$618
2006 Ram Truck$982$608
2005 Ram Truck$970$602
2004 Ram Truck$952$598
2003 Ram Truck$924$592

Get Rates in Your AreaWhy is this important?

Table Data Details: Average insurance rates for each Ram Truck model year assume a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premium amounts. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Ram 1500 Insurance Rates for 2003 to 2012 Model Years

References and Additional Resources