Insuring a RAM costs about $1,437 a year for a typical model at the US average — around the average. The cheapest is the ProMaster 3500 (~$1,011/yr), the priciest the 1500 (~$1,628/yr). Your own rate shifts with your state, age and record, but the model you pick sets the baseline: across 7 RAMs that baseline spans $1,011 to $1,628 a year.
RAM insurance cost by model
Estimated annual premium for every RAM model at the US average, cheapest first — from real HLDI insurance-loss indices. Click a model for its full page — all 7 of them, from the ProMaster 3500 up to the 1500.
| Model | Est. premium | vs average | Verdict |
|---|---|---|---|
| ProMaster 3500 | $1,011/yr | 70% of avg | Cheap |
| Promaster City | $1,242/yr | 86% of avg | Cheap |
| ProMaster 1500 | $1,405/yr | 98% of avg | Average |
| ProMaster 2500 | $1,437/yr | 100% of avg | Average |
| 2500 | $1,480/yr | 103% of avg | Average |
| 3500 | $1,608/yr | 112% of avg | Average |
| 1500 | $1,628/yr | 113% of avg | Pricey |
Cheapest RAMs to insure
The RAM models that cost the least to insure at the US average.
Most expensive RAMs to insure
The priciest RAMs to insure — usually the most powerful and costly to repair.
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RAM insurance cost by state — all 50
Where you live moves a RAM premium as much as which model you pick. A typical RAM (index 100) runs about $1,992/yr in Florida but only $925/yr in Maine — a swing of over $1,066 on the same car.
Estimated annual premium for a typical RAM in every state, priciest first.
| State | Typical RAM / yr | vs US average |
|---|---|---|
| Florida | $1,992/yr | +39% vs US |
| Louisiana | $1,977/yr | +38% vs US |
| New York | $1,894/yr | +32% vs US |
| District of Columbia | $1,816/yr | +26% vs US |
| Georgia | $1,745/yr | +21% vs US |
| Texas | $1,725/yr | +20% vs US |
| Rhode Island | $1,708/yr | +19% vs US |
| New Jersey | $1,691/yr | +18% vs US |
| Colorado | $1,654/yr | +15% vs US |
| Maryland | $1,601/yr | +11% vs US |
| Nevada | $1,599/yr | +11% vs US |
| Michigan | $1,571/yr | +9% vs US |
| Delaware | $1,568/yr | +9% vs US |
| South Carolina | $1,515/yr | +5% vs US |
| Connecticut | $1,507/yr | +5% vs US |
| Arizona | $1,503/yr | +5% vs US |
| California | $1,415/yr | -2% vs US |
| Massachusetts | $1,412/yr | -2% vs US |
| Mississippi | $1,393/yr | -3% vs US |
| Oklahoma | $1,323/yr | -8% vs US |
| Missouri | $1,321/yr | -8% vs US |
| New Mexico | $1,300/yr | -10% vs US |
| Arkansas | $1,295/yr | -10% vs US |
| Utah | $1,283/yr | -11% vs US |
| Pennsylvania | $1,272/yr | -11% vs US |
| Alabama | $1,267/yr | -12% vs US |
| Oregon | $1,267/yr | -12% vs US |
| Alaska | $1,261/yr | -12% vs US |
| Illinois | $1,255/yr | -13% vs US |
| Virginia | $1,237/yr | -14% vs US |
| Washington | $1,233/yr | -14% vs US |
| West Virginia | $1,226/yr | -15% vs US |
| Minnesota | $1,222/yr | -15% vs US |
| Tennessee | $1,210/yr | -16% vs US |
| Kentucky | $1,207/yr | -16% vs US |
| Nebraska | $1,183/yr | -18% vs US |
| Montana | $1,182/yr | -18% vs US |
| Kansas | $1,181/yr | -18% vs US |
| Wyoming | $1,179/yr | -18% vs US |
| South Dakota | $1,156/yr | -20% vs US |
| North Carolina | $1,095/yr | -24% vs US |
| Ohio | $1,037/yr | -28% vs US |
| New Hampshire | $1,031/yr | -28% vs US |
| Indiana | $1,031/yr | -28% vs US |
| Iowa | $1,009/yr | -30% vs US |
| Wisconsin | $999/yr | -30% vs US |
| Hawaii | $997/yr | -31% vs US |
| Idaho | $980/yr | -32% vs US |
| North Dakota | $960/yr | -33% vs US |
| Vermont | $957/yr | -33% vs US |
| Maine | $925/yr | -36% vs US |
Estimate a specific RAM model in your state →
RAM insurance cost by year
A typical RAM costs about +19% more to insure than in 2019 — premiums have climbed across the board. Estimated typical RAM premium by year (US average):
| Year | Typical RAM / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
For how insurance changes by a car's model year (a 2018 vs a 2024 of the same model), see each model's page.
Insurance cost rankings
Full lists ranked by the same HLDI loss data behind every RAM figure above.
| Ranking | Tops the list | Estimated cost | Cars ranked |
|---|---|---|---|
| Cheapest Cars | Chevrolet Express | $690/yr | 669 |
| Priciest Cars | McLaren 720S | $10,589/yr | 669 |
| Cheapest for Teen Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for Young Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for New Drivers | Chevrolet Express | $690/yr | 591 |
RAM insurance — frequently asked
Is RAM expensive to insure?
RAM is around the average to insure — a typical model runs about $1,437/yr at the US average. Sportier and pricier models cost more; mainstream ones cost less — the gap inside the range runs from $1,011 to $1,628.
What is the cheapest RAM to insure?
The ProMaster 3500 is the cheapest RAM to insure in our data — around $1,011/yr at the national average, about 30% below a typical car.
What is the most expensive RAM to insure?
The 1500 is the priciest RAM to insure — roughly $1,628/yr, about 13% above the average car.
How much is insurance on a RAM per month?
A typical RAM costs about $120/month at the US average for full coverage. It varies by exact model, your state, age and driving record — the cheapest RAM runs about $84/month, the priciest $136.
How is this RAM estimate calculated?
We combine each RAM model's real HLDI insurance-loss index with the NAIC average premium for the US (or your state). It's an estimate for a typical driver with full coverage — not a quote.