How Much Does RAM Car Insurance Cost?
On average, it costs $208 per month to insure a RAM, which adds up to about $2,496 per year.
We’ve saved shoppers an average of $600 per year on their car insurance.
The cost to insure a RAM varies based on several factors. Your age, driving history, and where you live are key elements that affect your insurance rate. Insurance companies use these details to evaluate the risk of covering your RAM.
Insurance Cost Per RAM Model
| RAM Model | Average Yearly Insurance Cost |
| RAM 1500 | $2,287 |
| RAM 2500 | $2,381 |
| RAM 3500 | $2,614 |
| RAM 4500 | $2,855 |
| RAM Promaster City | $2,342 |
Keep in mind that these numbers are averages, and your actual cost may differ based on where you live, your age, your driving record, and the type of coverage you select.
RAM Car Insurance Cost – By Company
| Insurance Provider | Average Monthly Premium |
| GEICO | $139 |
| Progressive | $142 |
| State Farm | $146 |
| Allstate | $150 |
RAM Car Insurance Cost – By U.S. State
| State | Average Annual Rate |
| Alabama | $2,799 |
| Alaska | $2,308 |
| Arizona | $2,603 |
| Arkansas | $2,849 |
| California | $3,179 |
| Colorado | $2,964 |
| Connecticut | $3,789 |
| Delaware | $3,134 |
| Florida | $3,748 |
| Hawaii | $1,223 |
| Idaho | $2,125 |
| Illinois | $2,217 |
| Indiana | $2,273 |
| Iowa | $1,795 |
| Kansas | $2,397 |
| Kentucky | $3,458 |
| Louisiana | $4,459 |
| Maine | $1,677 |
| Maryland | $2,713 |
| Massachusetts | $2,182 |
| Michigan | $5,266 |
| Minnesota | $2,174 |
| Mississippi | $2,621 |
| Missouri | $2,477 |
| Montana | $2,516 |
| Nebraska | $2,131 |
| Nevada | $3,495 |
| New Hampshire | $2,425 |
| New Jersey | $2,690 |
| New Mexico | $2,729 |
| New York | $2,543 |
| North Carolina | $1,580 |
| North Dakota | $2,144 |
| Ohio | $1,924 |
| Oklahoma | $3,070 |
| Oregon | $2,795 |
| Pennsylvania | $2,357 |
| Rhode Island | $3,911 |
| South Carolina | $2,668 |
| South Dakota | $2,392 |
| Tennessee | $2,816 |
| Texas | $2,820 |
| Utah | $2,411 |
| Vermont | $1,845 |
| Virginia | $1,753 |
| Washington | $2,305 |
| West Virginia | $2,318 |
| Wisconsin | $2,326 |
| Wyoming | $2,155 |
| Georgia | $3,041 |
How To Save Money On RAM Car Insurance?
Owning a RAM involves several costs, with car insurance being one of the largest. However, there are still ways to reduce your insurance expenses. Here’s how:
1. Maintain a Clean Driving Record
Your driving history is important for insurance companies when they set your premium. If you stay accident-free and avoid traffic tickets, it shows insurers that you’re a low-risk driver, which can help lower your insurance costs.
2. Bundle Your Policies
Many insurance companies provide discounts if you bundle different policies, such as home and auto insurance. This not only makes managing your insurance easier but also helps you save money on premiums.
3. Raise Your Deductible
Raising your deductible—the amount you pay out of pocket before your insurance starts covering costs—can reduce your premium. Just make sure you can afford the higher deductible if you need to make a claim.
4. Install Safety Features
RAM vehicles have many built-in safety features, but adding extras like anti-theft devices can help lower your insurance costs even more by reducing the risk of theft and damage.
5. Take Advantage of Discounts
Insurance companies frequently provide discounts for things like being a good student, maintaining a clean driving record, or taking a defensive driving course. Check with your insurer to see if you qualify for any of these discounts.
6. Shop Around
Insurance premiums can differ a lot from one provider to another. It’s important to compare quotes and pick the insurer that gives you the best value for your needs.
7. Consider Usage-Based Insurance
If you don’t drive your RAM very often, consider usage-based insurance. This type of policy sets your premium based on how much you drive, which could save you money if your RAM isn’t your primary vehicle.
