Jerry SummaryRam car insurance costs $287 per month, on average, according to our August 2025 analysis of full coverage auto insurance quotes for Jerry customers. Aspire Advantage offers the cheapest coverage at $179 per month for full coverage. But the model and trim level you choose will greatly influence how much you pay. Save by comparing quotes from multiple insurers, bundling policies and asking for discounts.
Built for power, durability and serious capability, Ram trucks have become a go-to choice for drivers who demand performance, whether on the jobsite or off the beaten path. Since becoming its own brand in 2009 — splitting off from Dodge but remaining under the Stellantis umbrella — Ram has earned a reputation for towing strength, rugged styling and refined interiors that give a nod to both the working truck and luxury vehicle categories.
Today’s Ram lineup includes everything from the light-duty Ram 1500 to the heavy-duty 2500 and 3500, with special editions like the TRX taking performance and off-road capability up another notch. With all that power and size can come higher-than-average insurance costs, though, especially on newer models or specialty trims.
Ram car insurance premiums can differ greatly depending on the model, coverage, and your driving history. To get the most accurate picture of what you’ll pay, compare quotes tailored to your specific Ram and coverage needs. Here are average costs by model, which insurers offer the best value and how to effectively shop for Ram coverage.
Average Ram car insurance costs
The average cost of full coverage Ram car insurance is $287 per month, according to Jerry’s data analysis of auto insurance quotes. Minimum coverage costs an average of $118 per month.
How much it costs to insure a Ram depends on several factors: the car’s model, its age, and your background as a driver. Typically, pricier vehicles are more expensive to insure, though not in every case. That’s why getting multiple car insurance quotes is key to finding the best deal.
See below for average full coverage insurance rates for different Ram models, according to Jerry’s data analysis.
|
Car Model
|
Avg Monthly Quote
|
|---|---|
| 1500 | $284 |
| 2500 | $296 |
| 3500 | $394 |
| Promaster | $325 |
| Ram 3500 | $261 |
If you have a loan or lease on your vehicle, the lender will require
Click for average minimum coverage costs, by Ram model.
|
Car Model
|
Avg Monthly Quote
|
|---|---|
| 1500 | $118 |
| 2500 | $113 |
| 3500 | $177 |
| Promaster | $86 |
| Ram 3500 | $70 |
Average cost of Ram car insurance, by state
Car insurance costs vary by state due to different legal requirements. Plus, each state comes with its own risk factors from things like weather, crime, population density and the number of drivers on the road without auto insurance.
For example, full coverage Ram auto insurance in Arizona costs an average of $254 per month. In Georgia, the monthly average is $375.
Here’s how full coverage insurance for Ram stacks up by state.
|
State
|
Avg Monthly Quote
|
|---|---|
| AL | $184 |
| AR | $310 |
| AZ | $254 |
| CA | $288 |
| CO | $267 |
| CT | $293 |
| DC | $235 |
| DE | $270 |
| FL | $300 |
| GA | $375 |
Factors that affect Ram car insurance costs
Your Ram insurance premium depends on a number of different factors, including the truck model, trim level, vehicle age, body style and even how you plan to use the vehicle. Insurers will also consider your driving history, location, age and coverage preferences when calculating your rate.
Here are some Ram-specific features that can impact your insurance costs:
- Power and performance: Heavy-duty models like the Ram 2500 or high-output trims like the TRX come with powerful engines and greater towing capacity — traits that often lead to higher premiums due to increased risk and repair costs.
- Vehicle value: Newer or top-tier trims like the Ram 1500 Tungsten or Limited tend to carry higher price tags, which can mean higher rates, especially for full coverage policies.
- Usage and wear: Trucks used for commercial or towing purposes may see higher insurance costs due to increased exposure and usage-related risks.
- Safety features: Many Ram models offer advanced safety tech like blind-spot monitoring, adaptive cruise control and lane-keeping assist, which can help reduce accident risk and potentially lower your premium.
- Repair costs and parts availability: Rams are generally built tough, but parts and labor can still be costly, which insurers will factor into their pricing.
- Your driving record and claims history: Drivers with a clean record are often offered lower rates, while those with a history of accidents, tickets and violations can expect higher premiums.
Best Ram car insurance
Jerry’s editorial team chooses the best car insurance companies each year based on critical industry standards, including complaint volume and financial stability.
Here are our top choices for 2025.
| Insurance company | Best for: | Jerry star rating (out of 5) |
|---|---|---|
| Geico | Overall car insurance. | 5 |
| Auto-Owners | Small insurance company. | 4.9 |
| Nationwide | Usage-based insurance. | 4.7 |
| Allstate | Discounts. | 4.7 |
| Farmers | Customizable options. | 4.6 |
| Progressive | Loyal policyholders. | 4.6 |
Car insurance rates differ by state. These companies work well for many drivers, but not all of them operate in every state. Service quality can also vary by location. Click below to find the best car insurance providers in your state.
Click for the best car insurance by state.
Cheapest Ram car insurance
Full coverage
Aspire Advantage offers the cheapest full coverage car insurance for Ram, with an average rate of $177 per month.
Jerry’s data analysis shows these companies are the cheapest car insurance options for Ram drivers with full coverage
|
Insurance Company
|
Average full coverage cost
|
|---|---|
| Aspire Advantage | $179 |
| Anchor General | $181 |
| Mercury | $198 |
| Safeco | $204 |
| Plymouth Rock | $207 |
Learn more: What does full coverage car insurance cover?
If you have a loan or lease on your vehicle, the lender will require
Minimum coverage
Mercury offers the cheapest minimum coverage auto insurance for Ram, with an average rate of $38 per month.
These are the most cost-effective insurance companies for minimum coverage for a Ram, according to Jerry’s analysis.
|
Insurance Company
|
Average minimum coverage cost
|
|---|---|
| Mercury | $38 |
| Geico | $74 |
| Safeco | $75 |
| Embark General | $87 |
| Progressive | $96 |
By state
Your location plays a big role in insurance costs. The most affordable Ram insurer varies by state. Click below to explore the cheapest choices near you.
Click for the cheapest car insurance by state.
Ram 1500 auto insurance costs
The average car insurance cost for a Ram 1500 is $284 per month, according to Jerry’s data analysis of full coverage quotes.
The Ram 1500 is one of America’s most popular and enduring full-size pickups, praised for blending rugged capability with surprising comfort. First introduced in 1981 under the Dodge nameplate, the Ram has evolved into a top competitor in the truck market, earning accolades for its smooth ride, upscale interiors and powerful towing performance. It was also an IIHS top safety pick in 2022.
The 2025 Ram 1500 starts at an MSRP of $40,275 for the base Tradesman model and climbs to $87,320 for the high-end Tungsten trim. There are eight other models to choose from between those in the 2025 lineup, with features like a 14.5-inch touchscreen, advanced driver assistance and premium interior materials.
Despite its reputation for toughness, the Ram 1500’s size, strong engines, and high-end tech can push insurance costs above average — especially for newer or luxury-oriented trims.
Here are 1500 auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Ram 1500 | $221 |
| Ram 1500 Big Horn | $312 |
| Ram 1500 Big Horn/Lone Star | $272 |
| Ram 1500 Classic Express | $283 |
| Ram 1500 Classic Laramie | $433 |
| Ram 1500 Classic Slt | $292 |
| Ram 1500 Classic Ssv | $462 |
| Ram 1500 Classic Tradesm | $322 |
| Ram 1500 Classic Tradesman | $267 |
| Ram 1500 Classic Warlock | $251 |
Ram 2500 auto insurance costs
The average car insurance cost for a Ram 2500 is $296 per month, according to an analysis of full coverage quotes to real Jerry customers.
The Ram 2500 is a heavy-duty pickup designed for serious hauling and towing, making it a popular choice among contractors, fleet drivers and those needing extra muscle for work or recreation. Part of the Ram truck legacy since the mid-1990s, the 2500 has earned a strong following for its durability, available diesel powertrains and wide range of trims that cater to both rugged and refined tastes. The 1998 model was also the first four-door pickup truck of its kind, kicking into motion the modern-day versatility of these American vehicles.
There are seven models to choose from if the Ram 2500 catches your eye. The 2025 Ram 2500 starts around $46,565 for the Tradesman and can climb to $73,460 and beyond for top trims like the Limited. These trucks offer upscale features like leather interiors, adaptive cruise control and a massive 12-inch infotainment screen.
Due to its high towing capacity, powerful engine options and overall vehicle weight, the Ram 2500 typically comes with higher insurance premiums than lighter-duty trucks. Add-ons like comprehensive and collision coverage, as well as OEM parts protection, are worth considering to protect this workhorse investment.
Here are 2500 auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Ram 2500 Big Horn | $231 |
| Ram 2500 Slt | $166 |
| Ram 2500 Tradesman | $278 |
Ram 3500 auto insurance costs
The average car insurance cost for a Ram 3500 is $408 per month, according to Jerry’s full coverage quote data.
The Ram 3500 is the most powerful pickup in the Ram lineup, built for extreme towing and payload capacity. With available high-output Cummins turbo diesel engines and max towing ratings pushing 37,000 pounds when properly equipped, it’s a top choice for heavy-duty work, RV hauling and commercial use. The Ram 3500 has been a staple of the American truck scene since its debut in 1994, gaining a loyal following for its strength, durability and versatility.
There are five models to choose from in the 2025 Ram 3500 lineup. The base model Tradesman starts at $46,570 while the Limited and Limited Longhorn both bring a starting price of $75,115. Each model boasts innovative technology, driver safety features and optional luxuries like a passenger infotainment display.
Because of its size, high value and specialized capabilities, the Ram 3500 typically means higher insurance premiums than standard trucks.
Here are 3500 auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Ram 3500 Big Horn | $480 |
| Ram 3500 Limited | $166 |
| Ram 3500 Slt | $295 |
| Ram 3500 St | $266 |
| Ram 3500 Tradesman | $393 |
Ram Promaster auto insurance costs
The average car insurance cost for a Ram Promaster is $320 per month, according to Jerry’s analysis of full coverage quotes.
The only non-truck in Ram’s current lineup, the Promaster is a full-size commercial van designed for businesses and tradespeople who need serious cargo space, reliability and customization. With multiple roof heights, wheelbase lengths and configurations — including cargo van, window van and chassis cab — the ProMaster is a versatile workhorse for everything from deliveries to mobile workshops.
First introduced in 2013, the ProMaster stands out for its front-wheel-drive layout, which allows for a lower load floor and better traction in poor weather. There are 15 total models to choose from, depending on your needs, and are based on the 1500, 2500 and 3500 vehicle series. The base model 2025 ProMaster starts at $44,405 and can climb to $55,590 depending on size and upfits.
Because it’s often used for business, the Ram ProMaster can come with higher insurance costs than a personal vehicle — especially if it’s part of a commercial fleet or customized with expensive equipment. Business owners should also make sure their coverage includes commercial auto insurance, tools and equipment protection, and possibly hired and non-owned auto coverage for broader protection.
Here are Promaster auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Ram Promaster 1500 | $565 |
| Ram Promaster 1500 1500 High | $190 |
| Ram Promaster 1500 1500 Standard | $260 |
| Ram Promaster 2500 | $364 |
| Ram Promaster 3500 3500 | $272 |
Ram car insurance shopping tips
If you drive a Ram truck, there are several ways to potentially lower your car insurance costs.
- Compare quotes carefully: Insurance rates for Ram trucks can vary widely depending on the model, use (personal vs. commercial), and your location. Always compare multiple quotes with the same coverage limits to ensure an accurate apples-to-apples comparison.
- Choose a lower-cost model or trim: Entry-level models like the Ram 1500 Tradesman generally cost less to insure than higher trims or heavy-duty options like the Ram 2500 or 3500, which have more power, weight, and higher repair costs.
- Bundle your insurance policies: Many insurers offer discounts if you bundle your auto and home insurance, or insure multiple vehicles with the same provider.
- Consider a telematics or usage-based program: If you drive safely or use your Ram infrequently (especially if it’s not a daily driver), a telematics program could reward you with lower premiums.
- Explore multi-vehicle or loyalty discounts: Insuring multiple vehicles with the same provider or maintaining a long-standing policy could make you eligible for savings.
- Increase your deductible: Raising your policy’s deductible can sometimes lower your monthly premium. Just be sure you can afford the deductible if you need to file a claim unexpectedly.
| Coverage | Definition |
|---|---|
| Collision insurance | An optional coverage type that pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage. |
| Comprehensive insurance | An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events. |
| Bodily injury liability (BI) | Pays others’ medical costs in an accident you cause, up to your policy limits. It’s mandatory in most states. |
| Property damage liability (PD) | Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It’s mandatory in most states. |
| Personal injury protection (PIP) | Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states. |
| Medical payments | Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states. |
| Uninsured/underinsured motorist coverage (UM/UIM) | Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states. |
FAQs
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Does insurance cost more for diesel Ram trucks compared to gas models?
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Can I insure a Ram truck used for both personal and business purposes?
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Are insurance rates higher for Ram trucks with high towing capacity?
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What coverage do I need for a Ram used on job sites?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
