Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 9, 2020

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Summary for the Dodge Ram 1500
StatisticDataSource
2018 Sales633,694Good Car Bad Car
Frequency of Claims6.2Insurance Information Institute
Overall Safety RatingGoodInsurance Institute for Highway Safety
Fatality Rate34%Insurance Institute for Highway Safety
MSRP & Fair Market Range2020 FMR $34,695 - $38,454;
MSRP $40,140
2019 FMR $32,028 - $35,307;
MSRP $37,335
2018 FMR $23,101 - $25,740;
MSRP $25,450
2017 FMR $21,941 - $24,638;
MSRP $24,190
2016 FMR $20,332 - $23,069 MSRP $22,476
Kelly Blue Book
Theft Rates1,155NICB
Comprehensive Rate Average2010 $234
2009 $228
2008 $210
2007 $206
2006 $192
Quote Inspector
Liability Rate Average2010 $524
2009 $534
2008 $534
2007 $540
2006 $534
Quote Inspector
Collision Rate Average2010 $328
2009 $306
2008 $284
2007 $258
2006 $236
Quote Inspector
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The Dodge Ram 1500 is a multifunction tailgate pickup truck with a powerful engine, and the ability to tow almost 13,000 pounds. That makes it a popular truck, but how much is insurance for a Dodge Ram 1500?

You want cheap auto insurance for your Dodge Ram 1500, and you also want good coverage. That means you need to do some research. Is insurance cheaper on trucks from the Ram brand? How does the Ram compare to other trucks? The average cost of Dodge Ram 1500 auto insurance depends on a lot of variables, and you don’t have time to figure it all out on your own.

Rates will differ based on factors related to where you live, how you drive, and your driving history, as well as factors about the truck itself. We are going to cover the types of insurance you can get for your Dodge Ram 1500 and the different features it offers. It’s confusing, but we will clear it all up for you.

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Table of Contents

How much is insurance for a Dodge Ram 1500?

How much does it cost to insure a Ram 1500? That’s the big question we are going to answer in the following sections.

How much is insurance on a Dodge Ram depends on a lot of factors. Some of those will have to do with the truck itself, while others have to do with you as a driver.

The average auto insurance rate for a Dodge Ram 1500 is $163 a month. Your rate will likely vary quite a bit from the average because so many things come into play when auto insurance rates are calculated.

Among the things that are related to the vehicle itself are theft rates, claims history, and repair costs. We’ll break down each of these in the following sections. We’ll explain how each impacts rates and by how much.

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How does the frequency of claims filed on Dodge Ram 1500 affect auto insurance rates?

Sometimes some car models have more claims filed than others. This can affect your auto insurance rates.

Passenger Vehicle Collision Coverage Insurance Losses
Vehicle TypeClaim FrequencyClaim SeverityOverall Loss
All passenger vehicles 7.3$6,005$438
Passenger cars and minivans8.4$5,949$501
Pickups6.26,100380
SUVs6.56,045393
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The following information comes from the Insurance Information Institute (III).

When it comes to losses for PIP, the Dodge Ram 1500 is average.

  • Claims frequency – per 100 vehicles years that are insured.
  • Overall Loss – represents the average loss of payment. This is in vehicle years.
  • All Passenger Vehicles – this includes claims from cargo and passenger van.

The results will always be from the first-year sales of the car model to the beginning of the following calendar year. Filing too many claims has a direct impact on your auto insurance rates. The more claims you file, the more likely you will experience a rate hike. If you file too many claims, your insurance company is not likely to renew your policy.

As Dodge Ram 1500 owner, you should have the minimum auto insurance coverage for most states.

  • Bodily Injury – this is coverage that helps pays for medical bills for an accident where you were at fault.
  • Property Damage – this is coverage that helps pay for repairs for an accident where you were at fault.

Each state will have its minimum for bodily injury and property damage. To go above the minimum, drivers can opt for full coverage auto insurance that will often cover collision, comprehensive damages, and the liability for property damage and bodily injury.

How much is full coverage for a truck? The full coverage insurance costs for trucks can range between $130-$400 per month depending on the make and the model of the vehicle. Keep reading for more information on what influences 2018 Dodge Ram 1500 insurance costs and other models.

How does the size and class of the Dodge Ram 1500 affect liability auto insurance rates?

The Ram 1500 is a large pickup with a crew cab. The class of Ram 1500 and other pickup trucks are determined by the Gross Vehicle Weight Rating(GVWR) created by the U.S. Department of Transportation. Heavier vehicles provide better protection than smaller lighter vehicles. Large vehicles have more protection in frontal crashes and will continue to move forward in crashes with smaller vehicles or when faced with obstacles.

When it comes to people, larger vehicles aren’t threats. Lighter vehicles will be at a disadvantage in a car accident. Car manufacturers have reduced threats that pickups and SUVs pose.

In 2018 there were 4,369 vehicle occupant deaths for pickups. In the same year, there were 3,542 driver deaths for pickups. Pickups had the least fatalities for drivers compared to cars and SUVs. It also had the least amount of deaths for passengers compared to cars and SUVs.

If you have liability coverage, you are going to have bodily injury coverage. As mentioned before, this helps pays for medical bills for the other parties involved in a car accident that you caused. Below are the losses for bodily injury, according to the Insurance Institute for Highway Safety (IIHS).

Losses by Class and Size for Bodily Injury
VehicleBodily injury
Chevrolet Silverado 150036%
Chevrolet Silverado 1500 4WD
Chevrolet Silverado 1500 crew cab4%
Chevrolet Silverado 1500 crew cab 4WD-12%
Chevrolet Silverado 1500 ext. cab31%
Chevrolet Silverado 1500 ext. cab 4WD-16%
Ford F-15011%
Ford F-150 4WD-40%
Ford F-150 SuperCab9%
Ford F-150 SuperCab 4WD-17%
Ford F-150 SuperCrew-2%
Ford F-150 SuperCrew 4WD-23%
GMC Sierra 1500
GMC Sierra 1500 4WD
GMC Sierra 1500 crew cab-1%
GMC Sierra 1500 crew cab 4WD-22%
GMC Sierra 1500 ext. cab
GMC Sierra 1500 ext. cab 4WD-9%
Nissan Titan
Nissan Titan crew cab short bed6%
Nissan Titan crew cab short bed 4WD-7%
Nissan Titan King cab pickup 4WD
Nissan Titan XD crew cab
Nissan Titan XD crew cab 4WD-5%
Ram 1500 crew cab LWB
Ram 1500 crew cab LWB 4WD-7%
Ram 1500 crew cab SWB21%
Ram 1500 crew cab SWB 4WD4%
Ram 1500 ext. cab43%
Ram 1500 ext. cab 4WD14%
Ram 1500 LWB
Ram 1500 LWB 4WD
Ram 1500 SWB27%
Ram 1500 SWB 4WD
Toyota Tundra CrewMax-15%
Toyota Tundra CrewMax 4WD-23%
Toyota Tundra double cab16%
Toyota Tundra double cab 4WD-31%
Toyota Tundra double cab LWB 4WD
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The percentages represent the average of passenger vehicles that are above or below a given coverage type. Positive numbers are worse than average, and negative numbers are better than average. Compared to other vehicles, the Ram 1500 is worse than average.

When you get auto insurance for your Ram, you can decide to get high, medium, and low coverage. Below are insurance rates for the Ram 1500.

Rates for the Ram 1500 With Geico
Coverage LevelsRates
Low$144.73
Medium$175.55
High$200.63
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The rates above are based on a 36-year-old woman that pays a $500 deductible.

What is the MSRP of the Ram 1500?

MSRP stands for Manufacturer Suggested Retail Price; this is also known as the sticker price. This is the recommended price that is given to new cars. Below is the fair market range and the MSRP for the Dodge Ram from the past five years.

Fair Market Range and MSRP by Vehicle Model
Model YearCrew Cab Fair Market RangeCrew Cab MSRPQuad Cab Fair Market RangeQuad Cab MSRPRegular Cab Fair Market RangeRegular Cab MSRP
2020$34,695 - $38,454$40,140n/an/an/an/a
2019$32,028 - $35,307$37,335$32,783 - $35,974$38,035n/an/a
2018$23,101 - $25,740$25,450$23,981 - $26,724$26,182$17,311 - $21,740$20,026
2017$21,941 - $24,638$24,190$21,602 - $24,265$23,634$15,716 - $19,919$18,718
2016$20,332 - $23,069$22,476$20,231 - $22,962$22,272$15,115 - $19,282$18,099
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The data above comes from Kelley Blue Book.

The fair market range is the range of prices that a person will pay for a vehicle. The difference between MSRP and fair market range is that an MSRP can be negotiated. The fair purchase price is what consumers are likely paying for the vehicle. The MSRP does not affect auto insurance rates, but other factors do such a driving record, age, location.

The age and value of your truck can affect insurance rates. 2015 Ram 1500 insurance costs will be lower than 2017 Ram 1500 insurance costs, which will still be lower than 2018 Ram 1500 insurance costs, for example.

If you have a loan on your vehicle, you’ll find that the answer to “Do I need full coverage to finance a car” is yes. This is to protect their interest in the vehicle. If you don’t carry the required insurance, lenders can take out force-placed insurance to cover your vehicle. This coverage only protects the lender and does not cover you if you get in an accident. Force-placed insurance is something that you pay for, and it is expensive. Below are rates for models by year.

Insurance Rates by Model and Year Total Premium
Model YearTotal Premium
2010 Dodge Ram$1,266
2009 Dodge Ram$1,248
2008 Dodge Ram$1,208
2007 Dodge Ram$1,184
2006 Dodge Ram$1,142
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The insurance rates are average for the trim and model and with the assumption that the driver is a 40-year-old male with full coverage that pays a $500 deductible.

Drivers should get general coverage to be protected in case of an accident. General cover can include liability insurance, uninsured and underinsured motorist insurance, comprehensive insurance, collision insurance, medical payments insurance, and personal injury protection.

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Dodge Ram 1500 Series

The Dodge Ram 1500 is produced by the American automobile manufacturer Chrysler, which is headquartered in Auburn Hills, Michigan.

The Dodge Ram truck series is one of the company’s longest running and most successful. The latest models of the truck no longer carry the name Dodge and are just titled the Ram 1500.

The Ram 1500 is a full sized, pick-up truck that is designed to haul heavy loads. The 2012 V8 edition of the Ram 1500 has 390 horsepower that gives it a towing capacity of nearly 10,500 pounds.

A V6 version of the truck is also available. According to Consumer Guide Automotive, the Ram 1500 gets between 13-20 miles per gallon depending on the type of engine.

The Ram 1500 comes in various configurations and quad sizes. Some of the different models include the quad cab Laramie with a six-foot, four-inch box and the four-door Laramie Longhorn with a five-foot, seven-inch box.

Another is the two-door Regular Cab, which also has a six-foot, four-inch box. There are several other types of Ram 1500s, including the Big Horn, Outdoorsman, and Limited models.

Depending on the type and year of a Dodge Ram 1500, the price may vary. The latest models of the trucks range in price from just over $20,000 to under $50,000.

The newest models of the Ram 1500 come equipped with many modern safety features. In addition to driver and passenger airbags, the truck also has side airbags to provide further protection.

The trucks are also manufactured with front crumple zones and side-impact door beams to further minimize damages in an accident. Certain models are also equipped with Dodge’s Park View rear back-up cameras.

You can learn more about the Dodge Ram 1500 by referring to the truck’s official website.

Dodge Ram 1500 Insurance Rates

The amount it costs to insure the Dodge Ram 1500 is not much different. According to Automobile Magazine, a 2012 Ram 1500 on average costs $1,310 to insure per year.

A 2011 model of the truck will cost approximately $1,059 a year. The 2010 edition of Ram 1500 will cost $1,064 on average to insure.

It’s important to remember that these are average insurance rates. Depending on a person’s circumstances, they may be required to pay much more or less than the average listed.

How does the MSRP of the Dodge Ram 1500 affect collision auto insurance rates?

Collision insurance is used for when you get into a car accident and need repairs. Below are rates for the Dodge Ram for different years.

Insurance Rates for Collision by Model Year
Model YearCollision
2010 Dodge Ram$328
2009 Dodge Ram$306
2008 Dodge Ram$284
2007 Dodge Ram$258
2006 Dodge Ram$236
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The rates for this table are based on a male, 40 years of age, that has a $500 deductible. The MSRP does not affect collision insurance. Depending on where you live, you can pay more or less for auto insurance. For example, if you move from one ZIP code to the next, you can pay more for insurance.

Losses For Collision By Class and Size
VehicleCollision
Chevrolet Silverado 1500-4%
Chevrolet Silverado 1500 4WD-20%
Chevrolet Silverado 1500 crew cab-2%
Chevrolet Silverado 1500 crew cab 4WD0%
Chevrolet Silverado 1500 ext. cab5%
Chevrolet Silverado 1500 ext. cab 4WD-10%
Ford F-150-36%
Ford F-150 4WD-45%
Ford F-150 SuperCab-22%
Ford F-150 SuperCab 4WD-36%
Ford F-150 SuperCrew-27%
Ford F-150 SuperCrew 4WD-28%
GMC Sierra 1500-20%
GMC Sierra 1500 4WD-25%
GMC Sierra 1500 crew cab-4%
GMC Sierra 1500 crew cab 4WD-7%
GMC Sierra 1500 ext. cab-5%
GMC Sierra 1500 ext. cab 4WD-7%
Nissan Titan-42%
Nissan Titan crew cab short bed10%
Nissan Titan crew cab short bed 4WD5%
Nissan Titan King cab pickup 4WD15%
Nissan Titan XD crew cab24%
Nissan Titan XD crew cab 4WD28%
Ram 1500 crew cab LWB-5%
Ram 1500 crew cab LWB 4WD-8%
Ram 1500 crew cab SWB0%
Ram 1500 crew cab SWB 4WD-7%
Ram 1500 ext. cab-6%
Ram 1500 ext. cab 4WD-11%
Ram 1500 LWB-31%
Ram 1500 LWB 4WD-35%
Ram 1500 SWB-15%
Ram 1500 SWB 4WD-27%
Toyota Tundra CrewMax-13%
Toyota Tundra CrewMax 4WD-11%
Toyota Tundra double cab-10%
Toyota Tundra double cab 4WD-18%
Toyota Tundra double cab LWB 4WD-4%
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The information from the table above comes from the Insurance Institute for Highway Safety (IIHS).

Looking at the losses for collision insurance, the Dodge Ram 1500 was average. Other models of the vehicle were better than average.

How does the MSRP of the Dodge Ram 1500 affect comprehensive auto insurance rates?

When you have comprehensive insurance, it covers you from damages that are not from a collision. An MSRP does not affect your comprehensive coverage. Below are comprehensive insurance rates for the Dodge Ram 1500.

Insurance Rates for Comprehensive Insurance by Model Year
Model YearComprehensiveCollisionLiabilityTotal Premium
2010 Dodge Ram$234$328$524$1,266
2009 Dodge Ram$228$306$534$1,248
2008 Dodge Ram$210$284$534$1,208
2007 Dodge Ram$206$258$540$1,184
2006 Dodge Ram$192$236$534$1,142
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The table above uses the same parameters as the previous section.

Losses by Class and Size for Comprehensive
VehicleComprehensive
Chevrolet Silverado 15008%
Chevrolet Silverado 1500 4WD-2%
Chevrolet Silverado 1500 crew cab26%
Chevrolet Silverado 1500 crew cab 4WD36%
Chevrolet Silverado 1500 ext. cab2%
Chevrolet Silverado 1500 ext. cab 4WD4%
Ford F-150-41%
Ford F-150 4WD-35%
Ford F-150 SuperCab-18%
Ford F-150 SuperCab 4WD-21%
Ford F-150 SuperCrew-6%
Ford F-150 SuperCrew 4WD2%
GMC Sierra 150018%
GMC Sierra 1500 4WD-18%
GMC Sierra 1500 crew cab35%
GMC Sierra 1500 crew cab 4WD33%
GMC Sierra 1500 ext. cab4%
GMC Sierra 1500 ext. cab 4WD-4%
Nissan Titan
Nissan Titan crew cab short bed15%
Nissan Titan crew cab short bed 4WD21%
Nissan Titan King cab pickup 4WD
Nissan Titan XD crew cab138%
Nissan Titan XD crew cab 4WD88%
Ram 1500 crew cab LWB-25%
Ram 1500 crew cab LWB 4WD3%
Ram 1500 crew cab SWB-2%
Ram 1500 crew cab SWB 4WD-8%
Ram 1500 ext. cab-13%
Ram 1500 ext. cab 4WD-13%
Ram 1500 LWB-44%
Ram 1500 LWB 4WD-23%
Ram 1500 SWB-20%
Ram 1500 SWB 4WD-38%
Toyota Tundra CrewMax-8%
Toyota Tundra CrewMax 4WD2%
Toyota Tundra double cab-12%
Toyota Tundra double cab 4WD-1%
Toyota Tundra double cab LWB 4WD-27%
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This information comes from the Insurance Institute for Highway Safety (IIHS).

Compared to other vehicles, the Ram 1500 was average for comprehensive insurance. Other models of the Ram 1500 were better than average.

What are the theft rates of the Dodge Ram 1500?

In addition to the overall value of the vehicle, insurance companies gauge how likely a vehicle is to be stolen. It costs the company a lot to replace the vehicle under comprehensive coverage, and once again, it will offset the risk with higher premiums.

You can help reduce the likelihood of theft by installing car alarms, tracking systems, and other devices to help prevent theft and ensure you recover your vehicle. Every year the National Insurance Crime Bureau compiles a top 10 list of the most stolen vehicles.

A full-size Dodge Ram pickup is one of the most stolen cars, ranked at number nine on the list. There were 1,155 trucks stolen in 2001.

How do theft rates of the Dodge Ram 1500 affect comprehensive auto insurance rates?

If you live in an area where cars are stolen often, you will pay more for auto insurance. Since the Dodge Ram is a highly stolen vehicle, your comprehensive insurance rates will likely be higher than other vehicles.

Since thefts are higher in urban areas, your rates will be higher than if you lived in a rural area. Cities and ZIP codes with higher crime rates will increase your rates for comprehensive insurance.

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Dodge Ram Insurance Quotes

If you’ve decided that a powerful, pick-up truck suits your driving needs best, then you’re probably well aware of the Dodge Ram 1500.

While you’re reviewing each truck’s price tag and capabilities, you should also consider Dodge Ram insurance costs before you make your decision!

If you need a pick-up truck to haul around materials for work or just enjoy driving big, sturdy vehicles, then the Dodge Ram 1500 may be right for you.

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Your Personal Circumstances

Before you can compare the insurance rates of the Dodge Ram 1500, it’s important to consider your own personal circumstances.

In other words, what you might pay to insure your Dodge Ram could be very different from someone else with the same truck.

The more likely someone is of getting in an accident and filing an insurance claim, the more a company will charge them to insure their car.

For example, if you have a great driving record then there’s a good chance your insurance rates will be lower than someone who has caused several accidents.

Alternatively, if you’ve received quite a few speeding tickets, then you’ll probably pay more for Dodge Ram insurance rates than someone who hasn’t.

If you live in the city and drive your Dodge Ram 1500 daily, then your insurance will likely be more than someone who drives their truck occasionally on a farm.

Even if you’re a great driver, the more your truck is on the road and in heavy traffic, the more likely an accident is.

In addition, many providers look at a customer’s credit rating when they determine their insurance rates. Although someone might have a pristine clean driving record, if they have a bad credit rating they may have to pay higher rates.

If a customer has had difficulties in the past paying their bills on time, a provider will charge them more.

Choosing Your Dodge Ram Insurance Coverage

How much insurance coverage a driver decides to buy will also affect their rates. If one Ford F150 owner buys plenty of coverage for their truck, but another driver purchases a minimum amount, the first driver will probably pay more.

It’s important to remember that car accidents cause serious and costly damages. Having a good amount of coverage could save you from financial ruin.

Liability insurance helps pay for damages you cause to a person or property in an accident. Nearly every state requires drivers to have liability insurance for their vehicle.

The minimum amount you’re required to have, however, can vary from state-to-state.

You can check with your state government to find out what the requirements are in your state. For example, in Oregon, the Department of Motor Vehicles oversees the state’s insurance regulations.

In addition to liability insurance, many drivers purchase other policies like collision and comprehensive for their vehicles. Collision insurance will help pay for the repairs your car needs in an accident you cause.

Comprehensive insurance covers damages that don’t happen in a car accident. For example, if your Dodge Ram 1500 is broken into or vandalized, the repairs would be covered by comprehensive insurance.

When you’re reviewing the average insurance rates of the Dodge Ram 1500, it’s important to remember that you could be quoted something above or below that average.

In addition to the truck itself, your personal circumstances and how much insurance you buy will affect your insurance rates.

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Other Auto Insurance Coverage Rates for Dodge Ram 1500

In this section, we are going to cover how safety ratings affect personal injury protection and medical payment insurance. We’ll look at some more IIHS data.

A number of the top factors that affect auto insurance rates are based on you, the driver, while others are based on the insurance company you choose. Two different companies can have drastically different rates for the exact same types of coverage, as you may see while you’re searching for rates.

How do safety ratings of Dodge Ram affect Personal Injury Protection (PIP) auto insurance rates?

Personal injury protection (PIP) covers medical expenses and loss of wages. This type of coverage protects you, and it does not matter if you were at fault in an accident.

Loses For Personal Injury By Class and Size
VehiclePersonal injury
Chevrolet Silverado 1500-25%
Chevrolet Silverado 1500 4WD-63%
Chevrolet Silverado 1500 crew cab-20%
Chevrolet Silverado 1500 crew cab 4WD-37%
Chevrolet Silverado 1500 ext. cab-9%
Chevrolet Silverado 1500 ext. cab 4WD-38%
Ford F-150-31%
Ford F-150 4WD-58%
Ford F-150 SuperCab-26%
Ford F-150 SuperCab 4WD-45%
Ford F-150 SuperCrew-25%
Ford F-150 SuperCrew 4WD-45%
GMC Sierra 1500
GMC Sierra 1500 4WD
GMC Sierra 1500 crew cab-21%
GMC Sierra 1500 crew cab 4WD-44%
GMC Sierra 1500 ext. cab-31%
GMC Sierra 1500 ext. cab 4WD-43%
Nissan Titan
Nissan Titan crew cab short bed-6%
Nissan Titan crew cab short bed 4WD-32%
Nissan Titan King cab pickup 4WD
Nissan Titan XD crew cab
Nissan Titan XD crew cab 4WD-30%
Ram 1500 crew cab LWB
Ram 1500 crew cab LWB 4WD-40%
Ram 1500 crew cab SWB-11%
Ram 1500 crew cab SWB 4WD-29%
Ram 1500 ext. cab1%
Ram 1500 ext. cab 4WD-29%
Ram 1500 LWB
Ram 1500 LWB 4WD
Ram 1500 SWB-21%
Ram 1500 SWB 4WD
Toyota Tundra CrewMax-24%
Toyota Tundra CrewMax 4WD-33%
Toyota Tundra double cab-12%
Toyota Tundra double cab 4WD-41%
Toyota Tundra double cab LWB 4WD
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The Dodge Ram 1500 was better than average when it came to the losses for personal injury protection.

How do safety ratings of Dodge Ram affect Med Pay auto insurance rates?

Med Pay or Medical Payments covers medical expenses for all passengers involved in the accident.

Losses By Medical Payment by Class and Size
VehicleMedical payment
Chevrolet Silverado 1500-26%
Chevrolet Silverado 1500 4WD-37%
Chevrolet Silverado 1500 crew cab-14%
Chevrolet Silverado 1500 crew cab 4WD-36%
Chevrolet Silverado 1500 ext. cab0%
Chevrolet Silverado 1500 ext. cab 4WD-35%
Ford F-150-35%
Ford F-150 4WD-44%
Ford F-150 SuperCab-30%
Ford F-150 SuperCab 4WD-46%
Ford F-150 SuperCrew-22%
Ford F-150 SuperCrew 4WD-46%
GMC Sierra 1500
GMC Sierra 1500 4WD
GMC Sierra 1500 crew cab-22%
GMC Sierra 1500 crew cab 4WD-45%
GMC Sierra 1500 ext. cab
GMC Sierra 1500 ext. cab 4WD-33%
Nissan Titan
Nissan Titan crew cab short bed
Nissan Titan crew cab short bed 4WD-22%
Nissan Titan King cab pickup 4WD
Nissan Titan XD crew cab
Nissan Titan XD crew cab 4WD-37%
Ram 1500 crew cab LWB
Ram 1500 crew cab LWB 4WD-39%
Ram 1500 crew cab SWB-2%
Ram 1500 crew cab SWB 4WD-32%
Ram 1500 ext. cab-4%
Ram 1500 ext. cab 4WD-24%
Ram 1500 LWB
Ram 1500 LWB 4WD
Ram 1500 SWB
Ram 1500 SWB 4WD
Toyota Tundra CrewMax-19%
Toyota Tundra CrewMax 4WD-45%
Toyota Tundra double cab-10%
Toyota Tundra double cab 4WD-47%
Toyota Tundra double cab LWB 4WD
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For the Dodge Ram 1500, the losses for medical payments are better than average.

What are the safety features of the Dodge Ram 1500?

As a driver you will appreciate the safety features in the Ram 1500. The truck uses the latest technology to help drivers prevent accidents and protect them during a collision. All Ram 1500s have blindspot monitoring, Rear Cross Path, and Trailer Detection. This scans areas you are not able to see while driving and helps make sure that there is trailer safety when maneuvering.

The truck has 14.9-inch stand brakes to help you when you stop. It includes six airbags in the front and side of the truck. If an accident were to happen, the front airbags have adaptive venting technology that opens a vent within the airbag cushion. This airbag will adapt to the size of the occupant in the front seat and the severity of the crash.

What are the safety ratings of the Dodge Ram 1500?

In 2019, the Ram 1500 got an update that improved the safety features of the truck and improved the safety ratings as well. The Insurance Institute for Highway Safety (IIHS) named it a Top Safety Pick. That should affect the car insurance for 2019 Dodge Ram 1500 positively.

Redesigned models built after July 2018 have the cab mounts to the vehicle frame at the C-pillars strengthened to improve passenger protection in frontal crashes. There were two tests administered with the Ram 1500. The video below is a crash test for the 2019 Ram 1500.

For the overall evaluation, the Ram 1500 received a G for good. For the structure and safety cage, it also received a rating of G. For driver injury measures, the truck rated all Gs except for lower foot/leg where it scored an M for marginal. After the crash tests, the dummy’s position in the truck indicated that the driver’s survival space held up well after the crash.

The front and side airbags helped keep the driver’s head from hitting the steering wheel. The lower left leg showed some indicated risk for injury for both tests done on the Ram 1500.

How does the safety of the Ram 1500 compare to other vehicles with the same size and class?

In 2018, there were 34 deaths for drivers per million registered vehicles compared to SUVs that had only 23 deaths per million registered vehicles. For all occupants, pickups had 42 deaths, while there were only 32 deaths for SUVs. Below we will compare some information from the IIHS.

In the past, driver deaths per million register vehicles were higher for smaller vehicles. Below are the deaths per million registered deaths for pickups.

Pickup Deaths Per Million Registered Vehicles
Type of PickupRegistered VehiclesDeathRate
Small1,276,4853326
Large4,425,36515034
Very Large1,797,5175430
All Pickups7,499,36725634
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Large pickups had not only the most registered vehicles but also the most deaths. Other pickups had lower deaths. The table below is deaths by impact point and vehicle type for single vehicles.

Vehicle Occupant Deaths by Impact Point and Vehicle Type for Single Vehicles
Impact SiteCar Occupants NumberCar Occupants PercentPickup Occupants NumberPickup Occupants PercentSUV Occupants NumberSUV Occupants PercentAll Occupants NumberAll Occupants Percent
Frontal7,433572,493572,7845512,93256
Side3,5682780718930185,35023
Rear8346173428661,3106
Other (mostly rollover)1,30310896211,035213,29914
All13,1381004,3691005,03510022,891100
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Compared to SUVs and cars, pickup trucks had the least amount of deaths by impact point. The table below is deaths by impact point and vehicle type for multiple vehicle crashes.

Vehicle Occupant Deaths by Impact Point and Vehicle Type for Multiple Vehicles
Impact SiteCar Occupants NumberCar Occupants PercentPickup Occupant NumberPickup Occupant PercentSUV Occupants NumberSUV Occupants PercentAll Occupants NumberAll Occupants Percent
Frontal4,577571,223641,475617,42659
Side2,6163350326632263,78430
Rear73891367252101,1439
Other (mostly rollover)11814726332362
All8,0491001,9091002,42210012,589100
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Pickups had the least amount of death for multiple vehicle crashes, while SUVs had more.

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How much will it cost to repair my Dodge Ram 1500?

The annual average cost of repairs for a Dodge Ram 1500 is $691. This cost includes oil changes. Below are the costs for maintenance by mileage for a course of five years.

Average Annaul Dodge Ram 1500 Maintenance Costs By Mileage
Year10k15k20k
1$191$272$544
2$353$612$612
3$339$1,645$2,205
4$272$833$1,286
5$1,563$272$2,413
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Below are costs for repairs to certain vehicle parts of a Dodge Ram 1500.

Average Annaul Dodge Ram 1500 Maintenance Costs By Body Part
MaintenanceFront BumperFront DoorRear DoorFenderRoofHoodQurter Panel
Body Labor$121.60$136.80$387.60$76$76$76$76
Paint Labor$136.80$93.60$448.40$144.40$205.20$174.80174.8
Paint Supplies$93.60$19$306.80$98.80$140.40$119.60119.6
Color Tint$19$10$19$19$19$1919
Haz Waste Disposal$5$5$5$5$5$5$5
Color Sand and Buff$19$19$19$19$19$19$19
Cover Carn/an/a$10$10$10$10$10
Total$395.00$408.80$1,252.80$372.20$474.60$423.40$423.40
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Getting repairs for certain parts of a truck will cost more than others. When you get repairs, you are not just paying for the part to be fixed, but to have your car look like new again. This can include paying for body labor, paint supplies, color tint, hazardous waste disposal, color, and sand buff.

How does the cost of repairs affect collision and comprehensive auto insurance rates?

Comprehensive insurance covers you when you have damage to your car from things other than a car accident. Let’s say that a tree falls on your truck after a really bad thunderstorm. You would be covered by comprehensive insurance for the damage. This coverage only applies to damage from incidents that are not car accidents.

Collision insurance covers you when you get into a car accident, and another person’s liability will not pay for the damages. In other words, you are at fault or it’s a hit-and-run. With this coverage, you can repair or replace your car. If you rear-end another driver and damage your own vehicle, you would use collision insurance.

The cost to repair a vehicle does affect the insurance rates for both of these coverage options. A car that’s older and not worth much will have much lower collision and comprehensive rates than a brand-new vehicle with all the bells and whistles.

Dodge Ram Frequently Asked Questions

Here are some answers to common questions from Dodge drivers.

#1 – What coverages should I purchase for my Dodge Ram 1500?

The bare minimum auto insurance required varies state by state, although most require some type of liability coverage. Liability pays for damages to other parties when you were at fault for an accident. Bodily injury liability covers injuries, and property damage covers damage to the other party’s vehicle, home, or anything else you may have damaged.

Many states also require uninsured and underinsured motorist coverage.

Uninsured and underinsured motorist coverage pays for your injuries or property damage caused by another motorist that has no insurance or insufficient insurance to cover the full amount.

#2 – Do you need additional insurance coverage for a pickup truck like the Dodge Ram?

Insurance companies generally offer a host of optional coverage types that go far beyond the basics. While they may give you many benefits and peace of mind, they are also going to increase your rates.

These coverage types include things like towing, rental vehicle reimbursement, and GAP coverage for leased vehicles. The latter takes care of the difference between your Dodge Ram’s actual value and the amount you still owe on its lease. Accidental death benefit coverage is usually on the list, as is medical payment coverage to take care of medical bills that exceed the personal injury protection limits.

Insurance may also be available for custom equipment, such as a sound system or other electronic devices you added on your own after you purchased the vehicle.

#3 – Is insurance more expensive for diesel trucks?

Insurance for diesel trucks, including Dodge Ram 1500 and other models, can often be 10-15 percent more expensive than gas cars but still less expensive to insure than electric or hybrid cars.

#4 – How can you get a discount on Dodge Ram insurance?

Auto insurance companies often offer a number of discounts, and you and your Dodge Ram 1500 may be eligible for any number of them. Discount possibilities noted by the Illinois Department of Insurance include those for safety features and anti-theft devices.

Standard safety features that come with all newer Dodge Ram 1500 models include the anti-lock brakes and airbags. These safety features can influence your 2020 Ram insurance costs and may qualify you for auto insurance discounts on newer models.

Good drivers may get a discount, and there is a good student discount for students who maintain a certain grade point average. Mature drivers may also earn a discount, especially those who have gone through defensive driving class approved by the insurance company.

Insuring another vehicle in addition to your Ram truck may result in a discount, as may using the same company for more than one type of insurance. For example, if you own two Ram trucks and you need auto insurance for a 2019 Dodge Ram 1500, you can add the newer truck to your existing policy and save money on your 2007 Dodge Ram 1500 insurance costs.

Carpooling discounts may be an option, or you could receive discounts for having low annual mileage or a having an away-from-home college student on the policy.

#5 – How much does your driving record impact your auto insurance rate?

Your overall driving record, years of driving experience, and your annual mileage are three major factors in your insurance rates.

Motorists with a history of violations, crashes, and claims will face higher rates than those with clean driving records. Experienced drivers typically have lower premiums than less experienced drivers do.

You can work on two of the factors to help keep your rates lower. Driving safely, obeying all traffic laws, and driver education courses may help keep your record clean.

#6 – Is the Dodge Ram 1500 a good truck?

The Ram 1500 is generally considered to be a good truck. The seats are comfortable, and there is plenty of legroom. The interior design is nicely designed. If you get the 2020 model, you have the option to have a diesel truck. The 2020 Ram 1500 is ranked number two in the U.S. News Score for the full-size pickup truck category. 2020 Ram 1500 insurance will cost more than an older model, so keep that in mind when shopping.

If you want something a little bigger and more powerful, you can look at the Ram 2500. It’s a more expensive truck, and it will be more expensive to insure as a result. 2018 Ram 2500 insurance costs will be higher than the same year of the 1500, but might be lower than a newer Dodge 1500.

#7 – How much is Dodge Ram Insurance in Canada?

How much is truck insurance in Ontario for a Dodge Ram? What about B.C.? Canada’s auto insurance laws vary from province to province. Some use an open market, private insurance system, while others have a public insurance system. That means rates vary a lot.

If you’re traveling to Canada in your Ram, there’s no need to worry. Your U.S. truck insurance will cover you while you’re up north.

The Dodge Ram 1500 is a great truck with a lot of features for drivers to enjoy. We hoped throughout this guide you learned more about insurance for the Dodge Ram 1500. Did we cover everything you need to know? Ready to get quotes?

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References:

  1. https://www.iii.org/fact-statistic/facts-statistics-auto-insurance#Passenger%20Vehicle%20Collision%20Coverage%20Insurance%20Losses,%202016-2018%20Model%20Years
  2. https://www.iihs.org/ratings/vehicle/ram/1500-crew-cab-pickup/2020
  3. https://repairpal.com/reliability/ram/1500
  4. https://www.kbb.com/ram/used-pickup-truck/