Ram 1500 Insurance Cost (2026)

Q: Do older Ram 1500 model years cost less to insure?

Penny asks: "How much do older model years save?" Scout answers: "Plenty. A 2017 Ram 1500 runs about -14% versus the 2021 baseline of $156/mo, while a 2025 runs +17%. Liability barely moves; it is the comprehensive and collision share that falls as the vehicle depreciates."

Billie'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

Cost by model year

Model year	Liability / mo	Full coverage / mo	vs 2021 baseline
2025 Ram 1500	$59	$183	+17%
2023 Ram 1500	$59	$167	+7%
2021 Ram 1500	$58	$156	baseline
2019 Ram 1500	$57	$147	-6%
2017 Ram 1500	$57	$134	-14%

Illustrative estimates for layout and comparison purposes; see our methodology.

Ram 1500 vs rival vehicles

Vehicle	Full coverage / mo	Note
Ram 1500	$156	The vehicle on this page
Ford F-150	$147	Cheapest full-size to insure
Chevy Silverado 1500	$151	Slightly cheaper parts
Toyota Tundra	$149	Better theft profile

Illustrative estimates for layout and comparison purposes; see our methodology.

What 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. A 2017 Ram 1500 runs about -14% versus the 2021 baseline; a 2025 runs +17%. Depreciation eats the collision premium. Billie approves of anything that eats premiums.

Ram 1500 insurance cost (2026)

Billie's quick take

Cost by model year

Ram 1500 vs rival vehicles

Overpriced Ram 1500 premiums are Billie's favorite snack. Bring an appetite.

What moves a Ram 1500 premium

Ram 1500 questions, answered