Ram 1500 Insurance: by Model Year & Company
Ram 1500 insurance costs an average of $1,185 for a 6-month full coverage policy. American Family offers the cheapest rate for the latest Ram 1500 at $120/mo or $719 for a 6-month full coverage policy.
- Shopping around? Use our calculator to compare average insurance rates by vehicle.
- Know your vehicle? Get a personalized quote by entering your zip code.
What to know about insuring a Ram 1500:
- The 1500 costs more to insure than most trucks. Averaging $197/mo for the 1500 versus $185/mo for typical trucks.
- If you're considering a vehicle similar to the 1500, like the Ram 1500 Classic ($173/mo), Ram 2500 ($188/mo), or Chevrolet Silverado 1500 ($159/mo), your insurance costs will be more expensive.
- USAA ($123/mo), Progressive ($131/mo), State Farm ($156/mo) offer the cheapest full coverage rates.
The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.
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Cheapest Companies
2025 Ram 1500
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,437 |
| Erie |
$1,487 |
| Progressive |
$1,846 |
| USAA |
$1,868 |
| Nationwide |
$2,040 |
| GEICO |
$2,263 |
| Farmers |
$2,334 |
| State Farm |
$2,384 |
| Allstate |
$2,469 |
Compare all 2025 Ram 1500 insurance rates.
Average Cost to Insure Per Year
$2,1272024 Ram 1500
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,402 |
| Erie |
$1,422 |
| USAA |
$1,774 |
| Progressive |
$1,847 |
| Nationwide |
$2,086 |
| Farmers |
$2,320 |
| State Farm |
$2,333 |
| GEICO |
$2,405 |
| Allstate |
$2,425 |
Compare all 2024 Ram 1500 insurance rates.
Average Cost to Insure Per Year
$2,1382023 Ram 1500
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,671 |
| USAA |
$1,754 |
| Progressive |
$1,827 |
| Erie |
$1,871 |
| Nationwide |
$2,106 |
| GEICO |
$2,138 |
| State Farm |
$2,184 |
| Farmers |
$2,394 |
| Allstate |
$2,915 |
Compare all 2023 Ram 1500 insurance rates.
Average Cost to Insure Per Year
$2,1502022 Ram 1500
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,801 |
| USAA |
$1,999 |
| State Farm |
$2,226 |
| GEICO |
$2,237 |
| Nationwide |
$2,328 |
| Erie |
$3,472 |
| American Family |
$6,396 |
| Farmers |
$10,747 |
| Allstate |
$13,588 |
Compare all 2022 Ram 1500 insurance rates.
Average Cost to Insure Per Year
$4,4192021 Ram 1500
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,635 |
| Progressive |
$1,678 |
| State Farm |
$2,096 |
| Erie |
$2,109 |
| GEICO |
$2,180 |
| Nationwide |
$2,297 |
| American Family |
$3,470 |
| Farmers |
$5,055 |
| Allstate |
$5,408 |
Compare all 2021 Ram 1500 insurance rates.
Average Cost to Insure Per Year
$2,7042020 Ram 1500
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,559 |
| Progressive |
$1,629 |
| American Family |
$1,634 |
| Erie |
$1,776 |
| State Farm |
$2,071 |
| GEICO |
$2,100 |
| Nationwide |
$2,382 |
| Farmers |
$2,942 |
| Allstate |
$3,876 |
Compare all 2020 Ram 1500 insurance rates.
Average Cost to Insure Per Year
$2,2782019 Ram 1500
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,294 |
| Erie |
$1,389 |
| USAA |
$1,497 |
| Progressive |
$1,583 |
| State Farm |
$1,939 |
| GEICO |
$1,957 |
| Nationwide |
$2,270 |
| Farmers |
$2,331 |
| Allstate |
$2,633 |
Compare all 2019 Ram 1500 insurance rates.
Average Cost to Insure Per Year
$1,9682018 Ram 1500
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,501 |
| Progressive |
$1,502 |
| State Farm |
$1,783 |
| GEICO |
$1,792 |
| Nationwide |
$1,888 |
| American Family |
$2,485 |
| Erie |
$2,828 |
| Allstate |
$4,939 |
| Farmers |
$5,008 |
Compare all 2018 Ram 1500 insurance rates.
Average Cost to Insure Per Year
$2,4102017 Ram 1500
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,338 |
| Progressive |
$1,427 |
| Nationwide |
$1,604 |
| State Farm |
$1,779 |
| GEICO |
$1,786 |
| American Family |
$2,579 |
| Erie |
$3,069 |
| Farmers |
$4,172 |
| Allstate |
$4,876 |
Compare all 2017 Ram 1500 insurance rates.
Average Cost to Insure Per Year
$2,2892016 Ram 1500
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,287 |
| Progressive |
$1,429 |
| Nationwide |
$1,627 |
| GEICO |
$1,729 |
| State Farm |
$1,744 |
| American Family |
$1,853 |
| Erie |
$2,251 |
| Farmers |
$3,255 |
| Allstate |
$3,270 |
Compare all 2016 Ram 1500 insurance rates.
Average Cost to Insure Per Year
$1,9432015 Ram 1500
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,249 |
| Progressive |
$1,434 |
| State Farm |
$1,551 |
| Nationwide |
$1,604 |
| GEICO |
$1,667 |
| American Family |
$1,886 |
| Erie |
$2,299 |
| Farmers |
$2,703 |
| Allstate |
$2,735 |
Compare all 2015 Ram 1500 insurance rates.
Average Cost to Insure Per Year
$1,7942014 Ram 1500
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,184 |
| American Family |
$1,348 |
| Progressive |
$1,353 |
| Erie |
$1,379 |
| State Farm |
$1,515 |
| GEICO |
$1,544 |
| Nationwide |
$1,605 |
| Farmers |
$2,071 |
| Allstate |
$2,664 |
Compare all 2014 Ram 1500 insurance rates.
Average Cost to Insure Per Year
$1,6552013 Ram 1500
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,176 |
| Progressive |
$1,393 |
| State Farm |
$1,564 |
| GEICO |
$1,573 |
| American Family |
$1,825 |
| Nationwide |
$1,925 |
| Erie |
$2,258 |
| Farmers |
$2,983 |
| Allstate |
$3,360 |
Compare all 2013 Ram 1500 insurance rates.
Average Cost to Insure Per Year
$1,9032012 Ram 1500
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,188 |
| Progressive |
$1,458 |
| GEICO |
$1,479 |
| State Farm |
$1,481 |
| American Family |
$1,682 |
| Erie |
$1,805 |
| Nationwide |
$2,013 |
| Allstate |
$2,619 |
| Farmers |
$3,203 |
Compare all 2012 Ram 1500 insurance rates.
Average Cost to Insure Per Year
$1,7842011 Ram 1500
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,068 |
| Progressive |
$1,363 |
| GEICO |
$1,461 |
| State Farm |
$1,495 |
| Nationwide |
$1,845 |
| American Family |
$2,452 |
| Erie |
$4,001 |
| Farmers |
$5,170 |
| Allstate |
$6,756 |