Over the past year, Jerry has helped 10,433 Ram drivers find smarter coverage and real savings. By analyzing thousands of Ram insurance policies, we know what owners are actually paying and what to expect at each coverage level.
Competitive annual prices for Ram drivers are currently around:
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$986 for basic coverage.
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$2,537 for standard coverage.
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$3,018 for premium coverage.
This is only a benchmark, though. The rate you’ll pay depends on personal factors like your driving record, where you live, your age and the Ram truck model you drive.
On average, Ram drivers pay between $2,438 and $5,003 per year for full coverage, with an average premium around $4,133. That’s slightly higher than the national average of $4,054, largely due to truck size, power and higher repair and replacement costs.
Already insured? Jerry pulls live quotes from top insurers so you can compare prices instantly. If we find a better deal, you can switch right away, even before renewal. Jerry handles the cancellation and helps you secure any refund you’re owed.
Fast track your RAM insurance with Jerry.
How much does Ram insurance cost?
Ram insurance rates vary, but Jerry makes it easy to see what real drivers with your model and profile are paying today.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Two Ram drivers in the same city can pay very different premiums. Jerry compares top insurers in real time to help you find coverage that fits your truck, budget and lifestyle.
What’s the best insurance for a Ram?
Owning a Ram means owning a truck built for durability and capability. Protecting that investment takes coverage that’s just as strong.
If your Ram is leased or financed, your lender will require full coverage. You may also need gap insurance, which helps pay off your loan if your truck is totaled.
Jerry recommends Ram drivers carry at least 100/300/100 liability with collision and comprehensive coverage. While higher than most state minimums, it’s smart protection for trucks with high torque, towing capacity and replacement costs.
No matter your lender, budget or insurer, there are many coverage options available to help protect your Ram. Here are the most common coverage options, what they cover and why Ram drivers choose them.
Higher liability limits
Rams are powerful vehicles, and at-fault accidents can get expensive. Over half (55%) of Jerry Ram drivers choose higher-than-minimum coverage.
Full coverage
Comprehensive and collision coverage protect your truck from theft, hail and at-fault damage. Roughly 59% of Ram drivers carry full coverage for peace of mind.
OEM parts coverage
Keeps your Ram performing at its best after a claim with OEM-grade parts and expert repairs. Often available for trucks between three and ten years old.
New car replacement
Replaces your Ram with a new model if it’s totaled early in ownership. Especially valuable for newer trucks or work vehicles used daily.
Roadside assistance
Covers towing, flat tires and jump-starts. Ram includes roadside assistance for up to five years on new trucks, though many drivers extend coverage.
Rental reimbursement
Covers a rental while your Ram is in the shop. Most insurers offer 30 to 45 days of coverage, depending on your policy and state.
Gap insurance
Covers what’s left on your loan or lease if your truck is totaled. About 39% of all drivers add gap coverage when financing a vehicle.
Accident forgiveness
Keeps your rate from spiking after your first at-fault accident. Without it, Ram drivers see average increases of almost 14%.
See coverage options for your RAM.
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Coverage definitions
4 smart ways Ram drivers can shop and lower rates
Finding the right insurance means balancing cost, coverage and capability. For Ram owners, that balance depends on how you use your truck, whether it’s hauling gear, towing or daily driving.
Jerry’s experts help Ram drivers lower premiums without cutting back on protection. Here are our top tips.
| How to save | Typical savings |
|---|---|
| Compare quotes | 35% to 61% among Ram drivers |
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Use telematics | 6% among all drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Tip 1: Compare quotes before renewing
Not every insurer gets truck insurance right. Some overestimate repair costs or risk based on size, while others reward reliability and safety features. Comparing quotes ensures you get fair pricing for the same coverage.
Here’s where Ram drivers who saved most often switched last year after comparing rates with Jerry:
| Insurance carrier | RAM drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 27% | 30% |
| Root | 16% | 22% |
| Bristol West | 7% | 29% |
| National General | 5% | 34% |
| Safeco | 5% | 21% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Ram drivers can save nearly a third by comparing quotes. Jerry shows real prices in real time so you can find the best deal before you buy.
Tip 2: Stack discounts for more savings
Ram owners often qualify for several discounts like safe driver programs, bundling, anti-theft devices or low-mileage savings. But insurers don’t always apply them automatically.
Jerry checks to make sure you get the discounts you deserve.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Adjust your coverage as your truck ages
Rams hold their value well, but your insurance needs will change over time. Many owners pick more than the minimum required, then lower their deductibles or adjust extras once their truck is paid off or depreciates.
Minimum
$74 – $168/mo
Offers the legal minimum limits, which vary by state.
Full
$165 – $330/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$201 – $403/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$222 – $430/mo
Raises liability further, lowers deductibles, expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most Ram drivers carry full coverage and higher limits when their trucks are newer, then scale back later. Jerry experts recommend 100/300/100 for balanced, reliable protection.
Tip 4: Try telematics for customized savings
Telematics programs use a plug-in device or mobile app to track your driving habits, like braking, speed and mileage. This data will then be used to adjust your rate based on how you drive. For Ram owners, these programs can cut premiums by around 6%, especially for steady, low-mileage drivers.
Methodology
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Jerry Proof: Real Ram drivers, real savings
See how much Ram owners are actually saving. Here are real drivers, their trucks and the deals they found after comparing quotes with Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Ram insurance can be pricey, but overpaying isn’t part of the job. Whether you drive a Ram 1500, 2500 or 3500, Jerry finds coverage that matches your work ethic, your truck and your budget.
We compare top insurers, uncover every discount and keep renewals simple, so your coverage works as hard as your Ram.
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.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
