Jerry SummaryRam car insurance costs $287 per month, on average, according to a August 2025 analysis of full coverage auto insurance quotes for Jerry customers. Anchor General offers the cheapest coverage at $178 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.
Ram car insurance premiums can differ greatly. 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 $119 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 | $285 |
| 3500 | $442 |
| Promaster | $321 |
| Ram 3500 | $284 |
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 | $108 |
| 3500 | $207 |
| Promaster | $98 |
| 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 $255 per month. In Georgia, the monthly average is $370.
Here’s how full coverage insurance for Ram stacks up by state.
|
State
|
Avg Monthly Quote
|
|---|---|
| AL | $184 |
| AR | $310 |
| AZ | $255 |
| CA | $290 |
| CO | $269 |
| CT | $285 |
| DC | $235 |
| DE | $276 |
| FL | $303 |
| GA | $370 |
Factors that affect Ram car insurance costs
The type of truck you drive can have a serious impact on your Ram insurance rates. Specifically, insurance companies consider the following when calculating premiums:
- Safety features: Vehicles with built-in features like anti-theft devices, driver’s assistance tech, and high safety ratings typically incur lower insurance costs.
- Vehicle value: The more a vehicle costs, the more you can expect to pay for car insurance. High-value vehicles come with more expensive parts and specialized features that make them riskier to insure, which is why auto insurers increase their rates.
- Engine size: Ram trucks require a ton of power—but larger engines and higher top speeds are risk factors to insurance companies.
- Availability of replacement parts: For trucks with custom parts or special features, insurance premiums could be higher, as providers consider the expense of sourcing replacement parts when determining your rate.
- Cost of repairs: More expensive models with pricier parts will cost more to repair—and therefore more to insure.
- Vehicle cost: Premiums are typically higher for higher-value models.
- Vehicle age: Older model years generally cost less to insure than newer models.
- Cost of parts: Less common and customized models have higher replacement and repair costs, making them more expensive for insurance companies to cover.
- Your age: Drivers under 25 usually face higher insurance rates due to limited experience, while senior drivers above 70 may also encounter increased rates.
- 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.
- Where you keep your car: Insurance costs can be higher for individuals who park in neighborhoods with more elevated rates of property crime, auto theft, and/or weather risk—meaning rates can vary from state to state and even city to city.
Here are a few specific factors that impact insurance rates for Ram vehicles:
- Availability: Ram vehicles are manufactured in the U.S. and common parts are widely available. This helps contribute to lower auto insurance rates for Ram drivers.
- Mileage: Many Ram drivers use their vehicles for work, traveling frequently, or for long distances. But high annual mileage can actually increase your insurance costs.
- Trim level: The trim level you choose can also have an impact on the price you pay. Base models incur less expensive insurance costs than higher trim levels.
- Safety: Newer Ram models have earned consistently high safety ratings, making them less risky to cover in the eyes of insurers.
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
Anchor General offers the cheapest full coverage car insurance for Ram, with an average rate of $178 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
|
|---|---|
| Anchor General | $178 |
| Aspire Advantage | $179 |
| Mercury | $194 |
| Safeco | $203 |
| Embark General | $216 |
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 $37 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 | $37 |
| Geico | $75 |
| Safeco | $77 |
| Embark General | $93 |
| Progressive | $97 |
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.
Here are 1500 auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Ram 1500 | $221 |
| Ram 1500 Big Horn | $313 |
| Ram 1500 Big Horn/Lone Star | $268 |
| Ram 1500 Classic Express | $351 |
| Ram 1500 Classic Laramie | $397 |
| Ram 1500 Classic Slt | $287 |
| Ram 1500 Classic Ssv | $462 |
| Ram 1500 Classic Tradesm | $337 |
| Ram 1500 Classic Tradesman | $269 |
| Ram 1500 Classic Warlock | $251 |
Ram 2500 auto insurance costs
The average car insurance cost for a Ram 2500 is $285 per month, according to an analysis of full coverage quotes to real Jerry customers.
Here are 2500 auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Ram 2500 Big Horn | $205 |
| Ram 2500 Slt | $167 |
| Ram 2500 St | $90 |
| Ram 2500 Tradesman | $310 |
Ram 3500 auto insurance costs
The average car insurance cost for a Ram 3500 is $442 per month, according to Jerry’s full coverage quote data.
Here are 3500 auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Ram 3500 Big Horn | $488 |
| Ram 3500 Limited | $166 |
| Ram 3500 St | $266 |
| Ram 3500 Tradesman | $458 |
Ram Promaster auto insurance costs
The average car insurance cost for a Ram Promaster is $321 per month, according to Jerry’s analysis of full coverage quotes.
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 | $259 |
| Ram Promaster 2500 | $364 |
| Ram Promaster 3500 3500 | $286 |
Ram car insurance shopping tips
We get it—insuring heavy-duty trucks like the ones manufactured by Ram can take a sizable chunk out of your bank account. Here are some tips to help you save money:
- Shop around: Don’t settle for the first insurance policy you come across. Instead, take the time to get quotes from multiple insurance companies to find the best deal for you. Want help making the process easier? As a licensed insurance broker partnered with over 55+ leading providers, Jerry can narrow down the best quotes and coverage options for you in minutes.
- Bundle your insurance policies: Consider bundling your car insurance with your homeowners or renter’s insurance to receive a discounted rate on both policies.
- Look for discounts: Many auto insurance companies offer discounts to help lower the cost. Check if you qualify for any discounts such as good driving, good student, telematics, or low mileage discounts. Don’t hesitate to ask your agent if there are any unadvertised discounts you might be eligible for.
- Adjust your coverage: If you have older or rarely driven vehicles, consider reducing the amount of coverage you have on them. This can be particularly beneficial if the value of your car is less than ten times the premium you’re currently paying.
- Raise your deductible: Increasing your deductible—which is the amount you pay out of pocket before your collision or comprehensive coverage kicks in—can lower your average monthly bill. However, make sure you can comfortably afford the higher deductible if you need to file a claim.
Remember, taking proactive steps like these can help you save on your car insurance premiums.
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
