Ram 1500 insurance cost (2026)
Scout's quick take
- Average full coverage: $156/mo for a 2021 Ram 1500, clean record
- Liability-only averages $58/mo across recent model years
- That puts the Ram 1500 about $4/mo above the $152 national average for full coverage
Insuring a Ram 1500?
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Cost by model year
| Model year | Full coverage / mo | Liability / mo | vs 2021 baseline |
|---|---|---|---|
| 2025 | $183 | $59 | +17% |
| 2023 | $167 | $59 | +7% |
| 2021 | $156 | $58 | baseline |
| 2019 | $147 | $57 | -6% |
| 2017 | $134 | $57 | -14% |
Estimates, not quotes: built from public 2025 to 2026 premium benchmarks and our cost model, clean-record driver profile. See our methodology.
Your model year, your ZIP, your real number
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Ram 1500 vs rival vehicles
| Vehicle | Full coverage / mo | Note |
|---|---|---|
| Ram 1500 | $156 | The vehicle on this page |
| Ford F-150 | $147 | Cheapest here. Cheapest full-size to insure |
| Chevy Silverado 1500 | $151 | Slightly cheaper parts |
| Toyota Tundra | $149 | Better theft profile |
Estimates, not quotes: the same clean-record driver profile priced across every vehicle, so the comparison is like for like. See our methodology.
Ram 1500 quotes pile up fast. Scout digs through the whole pile and brings back the cheapest one.
Compare Ram 1500 RatesWhat moves a Ram 1500 premium
- Trim level: base trims sit at the bottom of the rate sheet; performance and top-spec trims carry higher collision costs
- Repair and parts network: the easier a Ram 1500 is to fix near you, the lower the comprehensive and collision share runs
- Safety tech: automatic emergency braking and driver-assist packages earn discounts with most major carriers
- Usage: commuting under 10,000 miles a year rates cheaper; business or rideshare use adds a surcharge
Ram 1500 questions, answered
Is a Ram 1500 expensive to insure?
It leans that way. At $156/mo for full coverage, a 2021 Ram 1500 runs about $4/mo above the $152 national average, so budget a little extra versus a typical vehicle.
Do older Ram 1500 model years cost less to insure?
Yes. Scout dug through the numbers: a 2017 Ram 1500 runs about -14% versus the 2021 baseline of $156/mo, while a 2025 runs +17%. Liability barely moves; the savings hide in the comprehensive and collision share, which falls as the vehicle depreciates.
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We maintain the vehicle rate index and review every cost page on this site. Figures here are estimates, not quotes: see our methodology for how they are built.