When you’re shopping for insurance for a Dodge Ram 1500, 2500, or 3500 pickup truck, it’s important to consider all your insurance coverage options.

Before you start shopping around car insurance quotes, knowing which elements go into determining auto insurance rates will give you more confidence when choosing your insurance policy. Your personal information such as age, credit score, geographical location, gender, and driving record are all essential parts of the calculation. Insurance

Car insurance companies consider a few other factors such as make and model, theft liability, safety, and car mileage. However, the make and model of your vehicle has even more considerable influence over the price you pay for your premium.

How Much Does Ram Insurance Cost?

ram pickup insurance cost

Pricing Dodge Ram pickup insurance premiums varies greatly depending on the insurance provider. While some companies offer rates that are unbelievably low, others can be midrange or even expensive. Though it is tempting sometimes the lowest car insurance rates aren’t the best for your full-size pickup.

Researching multiple coverage rates and companies is essential. Most people start with larger, well-known companies such as Geico, Allstate, and State Farm, but don’t forget to check out your smaller independent agencies as well.

Just like with any other purchase, it’s important to check company reviews and ratings. Oftentimes, previous and even current policyholders leave important feedback, helping you make a well thought out decision.


Take Advantage of Insurance Discounts

Several insurance providers offer generous discounts if your pickup has the latest safety features.

If you drive a newer Dodge Ram, you’ll likely benefit from these discounts. The 2019 Dodge Ram 1500s come fully equipped with safety features including blind-spot monitoring, forward collision warning, bird’s eye view, and adaptive cruise control. Most pickups also come with anti-lock brakes, stability control, air bags, and LATCH child seat systems.

Insurance companies may also offer bundling packages in particular with your homeowner’s insurance. Other insurance providers pass out discounts for setting up auto-pay or having an impeccable driving record.

Oftentimes you can get lower than average rates by taking advantage of these discounts.

What Factors Determine the Cost of Ram Insurance?

Insurance companies calculate the risk associated with your car by considering your car’s safety ratings, the likelihood of theft, and the cost of repairs, and MSRP to determine the price you pay for insurance.

Below, you’ll find a breakdown of these elements, as well as some important things to consider when owning and insuring a Ram truck.

  • Safety Ratings
  • Repair & Replacement Costs
  • Claims Frequency
  • Theft Liability

Ram Safety Ratings and Damage Threshold

The Insurance Institute for Highway Safety (IIHS) conducts safety testing on hundreds of passenger vehicles each year and publishes these results for the benefit of consumers. It rates each tested car, SUV, and pickup in several categories and assigns one of the following ratings “G” (Good), “A” (Acceptable), “M” (Marginal), or “P” (Poor). Here are some examples of Ram safety ratings.

2020 Ram 1500 Crew Cab Pickup

The 2020 Ram 1500 Crew Cab Pickup received great results in IIHS safety crash tests. The crashworthiness around the front crash, side crash rollover, roof strength, and back received a “G.” Typically pickups have a higher likelihood of bodily harm in car accidents than other car models. The headlights received an M due to their lack of curve adapting and high beam assist technology.

The Dodge Ram 1500 received the following ratings in detail.

Small Overlap Front — Driver Side M
Moderate Overlap Front G
Side G
Roof Strength M
Head Restraints & Seats G
Headlights M
Child Safety Seat Anchors (Ease of Use) M

2020 Ram 1500 Extended Cab 4WD Pickup

Similar to the above example, the 2020 Ram 1500 Extended Cab 4WD Pickup tested with positive results except for the headlights and LATCH system. The IIHS assigned the following safety ratings to this pickup truck:

Small Overlap Front — Driver Side M
Moderate Overlap Front G
Side G
Roof Strength M
Head Restraints & Seats G
Headlights M
Child Safety Seat Anchors (Ease of Use) M

Comprehensive and Collision Coverage for a Ram Truck

The overall value of your vehicle heavily influences Ram insurance rates. There are two types of coverage available: collision and comprehensive or full coverage. Collision insurance does just as it sounds–it covers your repair costs in the event of a collision with another vehicle or object.

Comprehensive coverage includes collisions as well as any other property damage due to fire, vandalism, and hail. In the event of a total loss, especially when hit by an uninsured motorist, your insurance company would be required to pay out the total cost of your car, less your deductible.

Several factors determine your truck’s value, including the make and model, model year, condition, and even your geographic location.

The Dodge Ram competes with other similar pickup trucks like the Chevrolet Silverado, Ford F-150, and Toyota Tundra. Within the Dodge Ram make there are 6 different models: the Tradesman, Big Horn, Laramie, Rebel, Laramie Longhorn, and Limited. Car insurance on a Dodge Ram 1500 Tradesman will be lower than a Dodge Ram 1500 Limited because the Limited offers a lot more additions.

Kelley Blue Book (KBB) maintains an up-to-date database of vehicle values for most makes and models within the United States.

The examples listed here are based on vehicles located within the Los Angeles 90005 ZIP code, in good condition, and no additional or optional features. According to KBB, the value of a 2012 Ram 1500 Crew Cab Tradesman Pickup 4D 5 1/2 ft is between $16,466 and $19,481.

A newer model, the 2020 Ram Crew Cab Express, has a much higher fair market range between $32,000 and $37,973.

This difference in pricing correspondingly results in a considerable variation in pricing for Ram insurance.

Claims Frequency and Potential to Cause Damage

The IIHS collects claims information and publishes ratings on insurance loss as it pertains to specific vehicles.

This report considers several categories of loss including bodily injury. In the IIHS’s Insurance Loss Report for 2015 to 2017, the Ram 1500 Crew Cab LWB received the following ratings:

Collision Average
Property Damage Worse than Average
Comprehensive Average
Personal Injury Not Rated
Medical Payments Not Rated
Bodily Injury Not Rated

The Ram 1500 SWB 4WD performed much better and received the following ratings:

Collision Average
Property Damage Average
Comprehensive Better than Average
Personal Injury Not Rated
Medical Payments Not Rated
Bodily Injury Not Rated

Ram trucks with lower ratings in these categories are more likely to be subject to higher insurance rates, while those that rate “Average” or better should be considered less risky and therefore, can enjoy lower prices.

Theft Liability

Pickup trucks are a car thief’s dream. According to the National Insurance Crime Bureau, full-sized pickup trucks make up 4 out of every 10 vehicles stolen.

Trucks like the Chevy Silverado and Dodge Ram are the highest rated stolen vehicle in 30 out of the 50 states, particularly in the Midwest. Why? Dodge Rams sell for premium prices on the black market and make great storage and towing vehicles for future planned crime sprees.

Your location also plays a role in tempting car thieves. For example, more pickup trucks are stolen in Midwestern states such as Colorado and Ohio than Washington State.

Because of the high likelihood of theft, most insurance providers rate pickup insurance higher than a 4 door sedan.

Who Are the Best Companies for Ram Insurance?

The best car insurance companies offer policyholders convenient and friendly service, along with customizable policies, fast and reliable claims processing, and discounts to reward you for things like safety features, good driving, or low mileage.

If you’re shopping for insurance for your Ram—or any other make of vehicle—it’s always wise to ask for quotes from at least three companies.

Additionally, look into how well the company performs with its customers by researching ratings, reviews, and complaint data. Some other factors to think about when choosing your insurance provider include:

  • Financial strength: A company’s financial strength can determine its ability to fulfill its responsibilities in the case of a disaster.
  • Company/agent licensing: Checking out company and agent licensing is always a good practice, as it can also lead to finding any official complaint information or legal actions.
  • Customer service: Consumers should always research a company’s customer service and identify any red flags or outsized issues.

Once you’ve settled on a provider and are ready to meet with a representative, make sure to ask some of the following questions to secure the best possible rate for your Ram insurance:

  • Do you offer a discount if I’m accident-free?
  • Will I qualify for a lower rate if my mileage is low?
  • Do you offer a discount if I pay in full or set up automatic payments?
  • Do the safety features of my vehicle make me eligible for lower rates?

Ram Truck Insurance is Affordable

Formerly manufactured by Dodge, Ram has been a division of Chrysler since 2008.

Ram exclusively makes heavy-duty trucks aimed at full-time truck drivers and tradespeople, while Dodge has continued its affiliation with Ram and Chrysler while manufacturing only cars.

Ram trucks are reasonably priced and known for being reliable and great towing capacity.

After reading this article, you should have a good understanding of how Ram’s insurance rates are calculated and feel confident enough to negotiate an affordable policy rate for your truck.