RAM 4500 Car Insurance Cost
Getting insurance for a RAM 4500 typically runs about $523 annually through State Farm. However, the actual expense varies based on factors like age and the year of the car model. Check out our provided quote tables to determine your potential cost.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a RAM 4500, don’t forget to factor in the cost of insurance. Insurance is a big part of owning a car, so it’s important to understand what you’re getting into before making a decision.
Choosing the right car insurance is crucial to avoid unexpected and potentially expensive surprises later on. You don’t want to find yourself underinsured when accidents happen, facing hefty out-of-pocket expenses. Plus, being at fault in an accident can lead to higher premiums.
With over ten years of experience studying car insurance rates, I’ve seen how much these costs can vary. Your age, driving history, and where you live all play a significant role in determining your insurance premiums.
How Much Does RAM 4500 Car Insurance Cost?
Typically, State Farm provides the best deal, charging around $523 annually for full coverage insurance on a 2024 RAM 4500.
Even though State Farm’s rate sets a good standard, it’s essential to recognize that car insurance costs can vary significantly based on several factors. These factors include where you live, your driving history, the year of your car model, and the specific coverage options you select. Maintaining a clean driving record can result in lower premiums, while a history of accidents or traffic violations can drive up your costs.
Moreover, residing in a busy urban area might lead to higher rates compared to quieter rural areas. The type of coverage you opt for also affects your premium—comprehensive full coverage, including both comprehensive and collision coverage, typically costs more than basic liability coverage.
Insuranceopedia is available to assist you in comparing quotes from different insurance providers to ensure you secure the best deal possible.
2022 RAM 4500 Insurance Rates
| Insurance Provider | Average Annual Cost |
| State Farm | $523 |
| Mercury | $1,199 |
| Permanent General | $1,720 |
| Home State Ins Group | $2,101 |
| Nationwide | $4,066 |
| Safe Auto | $5,460 |
| Dairyland Auto | $15,691 |
2022 RAM 4500 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Dairyland Auto | $15,727 |
2021 RAM 4500 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury | $3,475 |
| Direct General Insurance | $4,939 |
| Metropolitan | $4,447 |
2020 RAM 4500 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Travelers | $914 |
| Farmers | $1,476 |
| Metropolitan | $1,160 |
2019 RAM 4500 Insurance Rates
| Insurance Provider | Average Annual Cost |
| American Family | $1,836 |
| Metropolitan | $1,425 |
| Farmers | $2,225 |
| Farm Bureau Mutual (IA Group) | $1,315 |
| Permanent General | $2,155 |
2017 RAM 4500 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Allied | $5,122 |
| Virginia Farm Bureau | $820 |
| General Agents Group | $2,681 |
| Nationwide | $3,473 |
| Travelers | $627 |
| Mercury | $596 |
| Farmers | $1,405 |
| Metropolitan | $1,103 |
| Safe Auto | $2,482 |
2016 RAM 4500 Insurance Rates
| Insurance Provider | Average Annual Cost |
| American Family | $1,097 |
| Metropolitan | $954 |
| Sentry | $1,606 |
| Travelers | $758 |
| Farmers | $1,448 |
2015 RAM 4500 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Safe Auto | $3,082 |
| Travelers | $635 |
| Metropolitan | $531 |
| Farmers | $1,233 |
| Hastings Mutual Insurance Co | $474 |
| Auto Club Group | $1,045 |
| Mercury | $840 |
| Hanover | $1,049 |
2014 RAM 4500 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Nationwide | $976 |
| Hanover | $1,152 |
| Travelers | $1,052 |
2013 RAM 4500 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Metropolitan | $1,742 |
| Safe Auto | $5,208 |
Find Affordable RAM 4500 Car Insurance
Cost of RAM 4500 Car Insurance By Age
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $9,678 | $14,241 | $16,656 |
| 18 | $9,012 | $13,283 | $15,561 |
| 19 | $8,028 | $11,770 | $13,726 |
| 20 | $6,964 | $10,187 | $11,956 |
| 21 | $5,849 | $8,570 | $10,049 |
| 22 | $5,660 | $8,373 | $9,770 |
| 23 | $4,967 | $7,293 | $8,562 |
| 24 | $4,763 | $6,923 | $8,105 |
| 25 | $4,095 | $6,013 | $7,025 |
| 30 | $3,185 | $4,652 | $5,464 |
| 35 | $2,972 | $4,372 | $5,119 |
| 40 | $2,847 | $4,212 | $4,944 |
| 45 | $2,795 | $4,083 | $4,773 |
| 55 | $2,555 | $3,756 | $4,384 |
| 65 | $2,654 | $3,913 | $4,572 |
| 75 | $3,383 | $4,937 | $5,760 |
RAM 4500 Car Insurance Rates By State
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $3,052 | $4,432 | $5,614 |
| Alaska | $2,514 | $3,512 | $3,352 |
| Arizona | $2,800 | $4,098 | $6,062 |
| Arkansas | $3,111 | $4,923 | $5,392 |
| California | $3,462 | $6,122 | $3,454 |
| Colorado | $3,220 | $4,559 | $5,749 |
| Connecticut | $4,110 | $6,385 | $8,085 |
| Delaware | $3,433 | $4,545 | $5,849 |
| Florida | $4,079 | $5,608 | $7,344 |
| Hawaii | $1,297 | $1,782 | $1,366 |
| Idaho | $2,292 | $3,067 | $3,669 |
| Illinois | $2,390 | $3,624 | $4,170 |
| Indiana | $2,461 | $3,825 | $4,218 |
| Iowa | $1,965 | $2,694 | $3,166 |
| Kansas | $2,602 | $3,804 | $4,453 |
| Kentucky | $3,801 | $5,544 | $6,530 |
| Louisiana | $4,846 | $7,308 | $7,928 |
| Maine | $1,803 | $2,533 | $3,760 |
| Maryland | $2,957 | $4,317 | $4,804 |
| Massachusetts | $2,381 | $4,193 | $2,364 |
| Michigan | $5,731 | $8,739 | $13,812 |
| Minnesota | $2,377 | $3,165 | $4,427 |
| Mississippi | $2,843 | $4,090 | $4,106 |
| Missouri | $2,702 | $3,860 | $5,058 |
| Montana | $2,764 | $3,808 | $4,441 |
| Nebraska | $2,295 | $3,395 | $3,711 |
| Nevada | $3,783 | $5,659 | $5,949 |
| New Hampshire | $2,614 | $4,203 | $5,300 |
| New Jersey | $2,952 | $4,571 | $6,001 |
| New Mexico | $2,984 | $4,426 | $4,598 |
| New York | $2,788 | $3,495 | $5,814 |
| North Carolina | $1,741 | $2,900 | $2,072 |
| North Dakota | $2,353 | $3,543 | $4,207 |
| Ohio | $2,118 | $3,203 | $3,293 |
| Oklahoma | $3,332 | $4,770 | $5,392 |
| Oregon | $3,043 | $4,069 | $4,854 |
| Pennsylvania | $2,556 | $3,772 | $4,424 |
| Rhode Island | $4,251 | $6,238 | $7,004 |
| South Carolina | $2,869 | $4,021 | $5,522 |
| South Dakota | $2,604 | $3,762 | $4,329 |
| Tennessee | $3,095 | $4,529 | $5,978 |
| Texas | $3,093 | $4,448 | $5,535 |
| Utah | $2,607 | $3,682 | $5,087 |
| Vermont | $1,997 | $3,120 | $3,258 |
| Virginia | $1,928 | $2,905 | $2,871 |
| Washington | $2,513 | $3,410 | $4,051 |
| West Virginia | $2,488 | $3,632 | $4,544 |
| Wisconsin | $2,535 | $3,955 | $4,485 |
| Wyoming | $2,345 | $3,294 | $3,494 |
| Georgia | $3,308 | $4,921 | $4,970 |
Compare RAM 4500 To Other RAM Models
Looking for other RAM model insurance costs?
