The Dodge Ram line offers several full-size pickup trucks that are great for hauling large loads. The Ram pickup truck line has several popular models, including the 1500 and 2500. No matter what type of Dodge Ram you drive, it must be protected by the right car insurance.
When you're ready to shop for Ram insurance, a local independent insurance agent can also help you find the best coverage. They know which carriers offer quality Dodge insurance at a great rate. But first, here's a breakdown of Dodge Ram pickup truck insurance costs by model year and top-rated insurance company for 2026.
Key Takeaways - Dodge Ram 1500 & 2500 Pickup Truck Insurance
Dodge Ram 2500 insurance costs an average of $3,093 per year, or approximately $329 per month, for full coverage in 2026.
Dodge Ram 1500 insurance rates vary widely by state, with good drivers in Michigan paying an average of $4,782 per year for full coverage, while those in Hawaii pay only $1,105.
USAA, Allstate, and American Family are the cheapest carriers for model-year 2025 Dodge Ram 1500 insurance this year.
Young drivers pay by far the most, on average, for Dodge Ram pickup truck insurance, while adults pay much lower rates until they reach their senior years.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Dodge Ram 1500 or 2500 model.
What Is Dodge Ram Insurance?
Dodge Ram insurance is a special type of car insurance policy that tailors coverage specifically to your unique vehicle. As a full-size pickup truck, your Ram may need additional protection compared to a sedan. You might also find that car insurance costs for a Dodge Ram pickup truck are higher than for your other vehicles.
Recommended coverage options for Dodge Ram drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
Add-on coverage options worth considering for a Dodge Ram:
- Gap insurance: If you have a new or financed Dodge vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Dodge warranty insurance: This can extend Dodge's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Dodge parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
You're required to meet your state's minimum car insurance requirements to avoid penalties like fines and more. A local independent insurance agent can help you get set up with all the Dodge Ram insurance you need.
How Much Does Dodge Ram Insurance Cost?
The average cost of full coverage car insurance for a Dodge Ram 2500 is $3,953 per year, or approximately $329 per month, for a 40-year-old male driver with a clean history. Minimum coverage for the Ram 2500 averages $2,035 per year, or about $170 per month. However, several factors can influence the cost of Dodge insurance, including:
- The specific type of Ram you drive
- Your claims history
- Your location
- Your driving history
- Your credit score (where allowed)
- The types and amount of coverage you need
An independent insurance agent can help you find affordable Dodge Ram insurance near you.
Is the Dodge Ram Expensive to Insure?
Yes, the Dodge Ram is somewhat expensive to insure compared to other pickup trucks. The Ram 1500's average insurance rates are slightly higher than those for the Ford F-Series and the Chevy Silverado. An independent insurance agent can help you find the most affordable Dodge Ram insurance near you.
Dodge Ram Insurance Costs by Model Year
Next, we'll break down several model years of the Dodge Ram 2500 and the average insurance costs for each.
| Model Year | Average Annual Cost of Minimum Coverage | Average Annual Cost of Full Coverage |
| 2025 | $1,716 | $3,348 |
| 2024 | $1,716 | $3,348 |
| 2023 | $1,512 | $2,964 |
| 2022 | $1,380 | $2,688 |
| 2021 | $1,272 | $2,496 |
| 2020 | $1,188 | $2,316 |
| 2019 | $1,140 | $2,232 |
| 2018 | $1,104 | $2,136 |
| 2017 | $2,772 | $5,388 |
| 2016 | $2,844 | $5,508 |
| 2015 | $2,892 | $5,616 |
| 2014 | $2,688 | $5,208 |
| 2013 | $2,628 | $5,100 |
Cheapest Dodge Ram Car Insurance Companies for 2026
You can find affordable Ram insurance from many different carriers. These top-rated car insurance companies provide the cheapest model-year 2025 Dodge Ram 1500 insurance in 2026.
| Top Car Insurance Companies | Average Monthly Cost of Car Insurance |
| USAA | $99 |
| Allstate | $131 |
| American Family | $151 |
| Progressive | $176 |
| Nationwide | $182 |
| Travelers | $192 |
| Liberty Mutual | $290 |
Dodge Ram Car Insurance Rates by State and Driver Profile
A driver's location, credit, and driving history can all affect the cost of auto insurance. Here are some average Dodge Ram 1500 car insurance rates by state and driver profile for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
| Alabama | $2,530 | $3,674 | $4,677 |
| Alaska | $2,093 | $2,901 | $2,820 |
| Arizona | $2,366 | $3,420 | $5,039 |
| Arkansas | $2,594 | $4,075 | $4,487 |
| California | $2,888 | $5,107 | $2,888 |
| Colorado | $2,695 | $3,772 | $4,785 |
| Connecticut | $3,443 | $5,340 | $6,778 |
| Delaware | $2,850 | $3,799 | $4,879 |
| Florida | $3,394 | $4,695 | $6,118 |
| Georgia | $2,767 | $4,137 | $4,172 |
| Hawaii | $1,105 | $1,500 | $1,105 |
| Idaho | $1,920 | $2,545 | $3,095 |
| Illinois | $2,010 | $3,038 | $3,464 |
| Indiana | $2,065 | $3,157 | $3,542 |
| Iowa | $1,636 | $2,243 | $2,638 |
| Kansas | $2,176 | $3,166 | $3,703 |
| Kentucky | $3,146 | $4,617 | $5,453 |
| Louisiana | $4,038 | $6,104 | $6,618 |
| Maine | $1,527 | $2,111 | $3,116 |
| Maryland | $2,471 | $3,596 | $3,995 |
| Massachusetts | $1,982 | $3,457 | $1,982 |
| Michigan | $4,782 | $7,287 | $11,494 |
| Minnesota | $1,968 | $2,625 | $3,696 |
| Mississippi | $2,376 | $3,389 | $3,411 |
| Missouri | $2,239 | $3,201 | $4,205 |
| Montana | $2,276 | $3,176 | $3,697 |
| Nebraska | $1,924 | $2,846 | $3,092 |
| Nevada | $3,174 | $4,708 | $4,973 |
| New Hampshire | $2,208 | $3,491 | $4,414 |
| New Jersey | $2,433 | $3,816 | $4,994 |
| New Mexico | $2,484 | $3,695 | $3,836 |
| New York | $2,301 | $2,897 | $4,837 |
| North Carolina | $1,426 | $2,451 | $1,748 |
| North Dakota | $1,952 | $2,967 | $3,508 |
| Ohio | $1,740 | $2,684 | $2,752 |
| Oklahoma | $2,779 | $3,979 | $4,481 |
| Oregon | $2,529 | $3,393 | $4,053 |
| Pennsylvania | $2,130 | $3,128 | $3,659 |
| Rhode Island | $3,557 | $5,217 | $5,875 |
| South Carolina | $2,415 | $3,347 | $4,620 |
| South Dakota | $2,167 | $3,123 | $3,603 |
| Tennessee | $2,549 | $3,752 | $4,996 |
| Texas | $2,567 | $3,708 | $4,612 |
| Utah | $2,183 | $3,059 | $4,210 |
| Vermont | $1,681 | $2,588 | $2,736 |
| Virginia | $1,583 | $2,431 | $2,383 |
| Washington | $2,096 | $2,845 | $3,397 |
| West Virginia | $2,109 | $3,020 | $3,784 |
| Wisconsin | $2,102 | $3,282 | $3,743 |
| Wyoming | $1,963 | $2,748 | $2,926 |
Average Dodge Ram Insurance Rates by Age and Driver Profile
Your age is another major factor that affects car insurance premium rates. While teens and young drivers pay the most for coverage, older adults pay significantly less until they reach their senior years. Here are some average Dodge Ram 2500 insurance rates by driver age and profile in 2026.
| Driver Age | Average Annual Cost of Minimum Coverage | Average Annual Cost of Full Coverage |
| 16 | $3,087 | $6,569 |
| 18 | $2,191 | $4,720 |
| 20 | $1,397 | $3,044 |
| 25 | $784 | $1,790 |
| 30 | $695 | $1,583 |
| 35 | $675 | $1,533 |
| 40 | $667 | $1,504 |
| 45 | $661 | $1,484 |
| 50 | $644 | $1,438 |
| 55 | $628 | $1,401 |
| 60 | $628 | $1,397 |
| 65 | $669 | $1,446 |
| 70 | $728 | $1,547 |
| 75 | $811 | $1,697 |
| 80 | $919 | $1,886 |
| 85 | $993 | $2,021 |
| 90 | $1,048 | $2,115 |
Best Dodge Ram Insurance Discounts: How to Lower Your Dodge Ram Pickup Truck Insurance Premiums
There are several ways you can potentially reduce the cost of your car insurance. Follow any of these easy tips to help reduce your Dodge Ram auto insurance premiums:
- Ask about Dodge Ram insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about telematics programs: Your insurance company or Dodge may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Dodge Ram insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Dodge Ram insurance from a trusted carrier near you.
A local independent insurance agent can help you find the cheapest Dodge Ram pickup truck insurance in your area and also recommend additional strategies to reduce your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Dodge Ram Pickup Truck Insurance Quotes
When it's time to find the most affordable Dodge Ram pickup truck insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Dodge Ram 1500 insurance or Dodge Ram 2500 insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Dodge Ram Pickup Truck Insurance
How much does Dodge Ram pickup truck insurance cost per year?
The average annual cost of full coverage for a Dodge Ram 2500 is $1,492 per year, or approximately $124 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Dodge Ram pickup truck insurance premiums?
Having traffic violations or accidents on your record, poor credit, or car insurance claims already on your record can all increase the cost of Dodge Ram insurance.
Is the Dodge Ram 1500 expensive to insure?
Yes, the Dodge Ram 1500's average insurance rates are slightly more expensive than those for the Ford F-Series and the Chevy Silverado.
What are the best and cheapest carriers for Dodge Ram pickup truck insurance in 2026?
We found that USAA, Allstate, and American Family are the best and cheapest car insurance companies for model-year 2025 Dodge Ram 1500 insurance this year.
How can I get cheaper Dodge Ram pickup truck insurance?
Finding cheaper Dodge Ram pickup truck insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Other Dodge Models
Sources
https://www.moneygeek.com/insurance/auto/ram-2500-insurance/
https://caredge.com/ram/1500/insurance
https://insurify.com/car-insurance/vehicle/dodge/ram-1500/