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Do you want cheap auto insurance for your Dodge Ram 1500? You can buy good, cheap Dodge Ram 1500 auto insurance coverage under the right circumstances.
The Dodge Ram 1500 is a multifunction tailgate pickup truck with a powerful engine and the ability to tow about 13,000 pounds.
This makes it a popular truck across the United States. But how much is Dodge Ram 1500 car insurance? Is auto insurance for Dodge Ram 1500 cheaper than the average truck?
In this extensive guide, we’ll show you how you can compare Dodge Ram 1500 car insurance to find the most affordable prices. We’ve already done most of the research for you.
How does the Ram compare to other trucks? The average cost of Dodge Ram 1500 auto insurance depends on many variables, and we know you don’t have time to figure it all out on your own.
We’re going to cover the types of insurance you can get for your Dodge Ram 1500 and the different features it offers. It may be confusing, but we’ll clear it all up for you.
Are you ready to buy Dodge Ram 1500 auto insurance? Compare your Dodge Ram 1500 auto insurance rates by entering your ZIP code in our FREE online tool above.
Table of Contents
How much does it cost to insure a Dodge Ram 1500? The average auto insurance rates for a Dodge Ram 1500 are $127 per month.
Costs can vary based on the trim and model year—which raises more questions than answers. Dodge Ram 1500 insurance depends on a lot of factors.
Your rate will likely vary from the average because so many things come into play when auto insurance rates are calculated, such as age, driving record, credit history, and coverage level.
The factors related to the vehicle itself include theft rates, claims history, and repair costs. We’ll break down each of these in the following sections.
Some car models are associated with higher numbers of car insurance claims. This can affect your auto insurance rates.
|Vehicle Type||Claim Frequency||Claim Severity||Overall Loss|
|All passenger vehicles||7.3||$6,005||$438|
|Passenger cars and minivans||8.4||$5,949||$501|
The following information comes from the Insurance Information Institute (III).
When it comes to losses for personal injury protection (PIP), the Dodge Ram 1500 is average. Let’s examine what some of these terms mean.
The results will always be from the car model’s first-year sales to the beginning of the following calendar year. If you file too many claims, it will have a direct impact on your auto insurance rates.
The more claims you file, the higher your car insurance will be. If you file too many claims, your auto insurance company is not likely to renew your policy.
As a Dodge Ram 1500 owner, you should have the minimum car insurance requirements for your state.
Each state will have its minimum requirement for bodily injury and property damage coverage. To go above the minimum, drivers can opt for full coverage auto insurance, which is usually made up of collision, comprehensive, and liability coverage.
How much is full coverage for a truck? The full coverage insurance costs for trucks can range between $120 and $400 per month depending on the vehicle make and model.
You may be wondering, “Do I need full coverage insurance to finance a car?” The answer is yes. This is to protect the financer’s 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’s expensive.
You can save more money by purchasing full coverage auto insurance. Here’s a list of the full coverage auto insurance rates for the Dodge Ram 1500.
|Make and Model Year||Average Annual Full Coverage Auto Insurance Rates||Average Monthly Full Coverage Auto Insurance Rates|
|2020 Dodge Ram 1500||$1,524||$127|
|2019 Dodge Ram 1500||$1,508||$126|
|2018 Dodge Ram 1500||$1,498||$125|
|2017 Dodge Ram 1500||$1,494||$125|
|2016 Dodge Ram 1500||$1,478||$123|
These 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 who pays a $500 deductible.
If you want to select your auto insurance coverages manually, invest in general coverage.
General coverage can include liability insurance, uninsured and underinsured motorist insurance, comprehensive insurance, collision insurance, medical payments insurance, and personal injury protection.
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The Dodge Ram 1500 is a large pickup with a crew cab. The class of the Dodge Ram 1500 and other pickup trucks is determined by the Gross Vehicle Weight Rating (GVWR) created by the U.S. Department of Transportation.
Heavier vehicles provide better protection for the occupants 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.
Lighter vehicles will be at a disadvantage in a car accident. However, car manufacturers have reduced the threats that pickups and SUVs pose to other vehicles in a crash.
In 2018 there were 4,369 vehicle occupant deaths and 3,542 driver deaths for pickups. Pickups had the fewest fatalities for drivers and passengers compared to cars and SUVs.
If you have liability coverage, you’re going to have bodily injury liability. 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 for popular pickups, according to the Insurance Institute for Highway Safety (IIHS).
|Vehicle||Bodily Injury Losses|
|Chevrolet Silverado 1500||36%|
|Chevrolet Silverado 1500 crew cab||4%|
|Chevrolet Silverado 1500 crew cab 4WD||-12%|
|Chevrolet Silverado 1500 ext. cab||31%|
|Chevrolet Silverado 1500 ext. cab 4WD||-16%|
|Ford F-150 4WD||-40%|
|Ford F-150 SuperCab||9%|
|Ford F-150 SuperCab 4WD||-17%|
|Ford F-150 SuperCrew||-2%|
|Ford F-150 SuperCrew 4WD||-23%|
|GMC Sierra 1500 crew cab||-1%|
|GMC Sierra 1500 crew cab 4WD||-22%|
|GMC Sierra 1500 ext. cab 4WD||-9%|
|Nissan Titan crew cab short bed||6%|
|Nissan Titan crew cab short bed 4WD||-7%|
|Nissan Titan XD crew cab 4WD||-5%|
|Ram 1500 crew cab LWB 4WD||-7%|
|Ram 1500 crew cab SWB||21%|
|Ram 1500 crew cab SWB 4WD||4%|
|Ram 1500 ext. cab||43%|
|Ram 1500 ext. cab 4WD||14%|
|Ram 1500 SWB||27%|
|Toyota Tundra CrewMax||-15%|
|Toyota Tundra CrewMax 4WD||-23%|
|Toyota Tundra double cab||16%|
|Toyota Tundra double cab 4WD||-31%|
The loss percentages represent the cost of claims for the vehicle compared to the premiums taken in by insurance companies for that vehicle.
Positive numbers indicate the vehicle is worse than average (more claims filed), and negative numbers are better than average (fewer claims filed). Compared to other vehicles, the Dodge Ram 1500 is worse than average.
When you get auto insurance for your Dodge Ram 1500, you can decide to get high, medium, or low coverage. Below are the average insurance rates for the Dodge Ram 1500.
|Coverage Levels||Average Monthly Auto Insurance Rates|
The rates above are based on a 36-year-old woman who pays a $500 deductible.
But what is the average cost of auto insurance for a Dodge Ram 1500? Let’s examine the cost of liability car insurance for a Dodge Ram 1500.
|Model Year||Average Annual Liability Auto Insurance Rates||Average Monthly Liability Auto Insurance Rates|
|2020 Dodge Ram||$420||$35|
|2019 Dodge Ram||$440||$37|
|2018 Dodge Ram||$450||$38|
|2017 Dodge Ram||$470||$39|
|2016 Dodge Ram||$486||$41|
You’ll notice that older Dodge Ram 1500 vehicles have higher liability costs. Older vehicles have been through several claims, crash test ratings, and safety ratings. Those results conclude that some of the older Dodge Ram 1500s are more likely to be in a liability claim.
That could mean there are older Dodge Ram 1500s, or it could mean the new model years have done a better job of staying away from claims.
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 are the fair market range and the MSRP for the Dodge Ram from the past five years.
|Dodge Ram 1500 Vehicle Trim and Model||2020||2019||2018||2017||2016|
|Crew Cab MSRP||$40,140||$37,335||$25,450||$24,190||$22,476|
|Crew Cab Fair Market Range||$34,695 - $38,454||$32,028 - $35,307||$23,101 - $25,740||$21,941 - $24,638||$20,332 - $23,069|
|Quad Cab MSRP||n/a||$38,035||$26,182||$23,634||$22,272|
|Quad Cab Fair Market Range||n/a||$32,783 - $35,974||$23,981 - $26,724||$21,602 - $24,265||$20,231 - $22,962|
|Regular Cab MSRP||n/a||n/a||$20,026||$18,718||$18,099|
|Regular Cab Fair Market Range||n/a||n/a||$17,311 - $21,740||$15,716 - $19,919||$15,115 - $19,282|
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 directly affect auto insurance rates, but other factors do, such as your driving record, age, and location.
The age and value of your truck can affect insurance rates as well. Here’s a simplified look at the MSRP and FMR of a Dodge Ram 1500.
|Dodge Ram 1500 Model Years||Manufacturer Suggested Retail Price (MSRP)||Fair Market Range (FMR)|
|2020 Dodge Ram 1500||$40,140||$34,695 - $38,454|
|2019 Dodge Ram 1500||$37,335||$32,028 - $35,307|
|2018 Dodge Ram 1500||$25,450||$23,101 - $25,740|
|2017 Dodge Ram 1500||$24,190||$21,941 - $24,638|
|2016 Dodge Ram 1500||$22,476||$20,332 - $23,069|
The newer Dodge Ram 1500s are worth more. All vehicles lose their value once they leave the lot. Therefore, your Dodge Ram 1500 auto insurance rates will increase as the value of your truck gets higher. However, your car insurance rates can vary based on the coverage.
Collision insurance pays to repair damage to your vehicle after an accident, regardless of who was at fault. Below are auto insurance rates for collision coverage for the Dodge Ram 1500 for different years.
|Model Year||Average Annual Collision Auto Insurance Rates||Average Monthly Collision Auto Insurance Rates|
|2020 Dodge Ram 1500||$562||$47|
|2019 Dodge Ram 1500||$542||$45|
|2018 Dodge Ram 1500||$536||$45|
|2017 Dodge Ram 1500||$524||$44|
|2016 Dodge Ram 1500||$502||$42|
The rates from this table are based on a 40-year-old male driver with a $500 deductible. Depending on where you live, you may pay more or less for auto insurance. For example, if you move from one ZIP code to the next, your rates may increase or decrease.
|Chevrolet Silverado 1500||-4%|
|Chevrolet Silverado 1500 4WD||-20%|
|Chevrolet Silverado 1500 crew cab||-2%|
|Chevrolet Silverado 1500 crew cab 4WD||0%|
|Chevrolet Silverado 1500 ext. cab||5%|
|Chevrolet Silverado 1500 ext. cab 4WD||-10%|
|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 crew cab short bed||10%|
|Nissan Titan crew cab short bed 4WD||5%|
|Nissan Titan King cab pickup 4WD||15%|
|Nissan Titan XD crew cab||24%|
|Nissan Titan XD crew cab 4WD||28%|
|Ram 1500 crew cab LWB||-5%|
|Ram 1500 crew cab LWB 4WD||-8%|
|Ram 1500 crew cab SWB||0%|
|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%|
The information from the table above comes from the Insurance Institute for Highway Safety (IIHS).
Looking at the loss percentages for collision insurance, the Dodge Ram 1500 was average. Some models of the vehicle were better than average.
When you have comprehensive insurance, it covers damage to your vehicle that was not caused by a collision. Below are comprehensive insurance rates for the Dodge Ram 1500.
|Model Year||Average Annual Comprehensive Auto Insurance Rates||Average Monthly Comprehensive Auto Insurance Rates|
|2020 Dodge Ram 1500||$362||$30|
|2019 Dodge Ram 1500||$346||$29|
|2018 Dodge Ram 1500||$332||$28|
|2017 Dodge Ram 1500||$320||$27|
|2016 Dodge Ram 1500||$310||$26|
The information in the table above uses the same driver parameters as the previous section and also comes from the IIHS.
|Chevrolet Silverado 1500||8%|
|Chevrolet Silverado 1500 4WD||-2%|
|Chevrolet Silverado 1500 crew cab||26%|
|Chevrolet Silverado 1500 crew cab 4WD||36%|
|Chevrolet Silverado 1500 ext. cab||2%|
|Chevrolet Silverado 1500 ext. cab 4WD||4%|
|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 4WD||2%|
|GMC Sierra 1500||18%|
|GMC Sierra 1500 4WD||-18%|
|GMC Sierra 1500 crew cab||35%|
|GMC Sierra 1500 crew cab 4WD||33%|
|GMC Sierra 1500 ext. cab||4%|
|GMC Sierra 1500 ext. cab 4WD||-4%|
|Nissan Titan crew cab short bed||15%|
|Nissan Titan crew cab short bed 4WD||21%|
|Nissan Titan XD crew cab||138%|
|Nissan Titan XD crew cab 4WD||88%|
|Ram 1500 crew cab LWB||-25%|
|Ram 1500 crew cab LWB 4WD||3%|
|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 4WD||2%|
|Toyota Tundra double cab||-12%|
|Toyota Tundra double cab 4WD||-1%|
|Toyota Tundra double cab LWB 4WD||-27%|
Compared to other vehicles, the Dodge Ram 1500 was average for comprehensive insurance. Some models of the Dodge Ram 1500 were better than average.
In addition to the vehicle’s overall value, insurance companies gauge how likely a vehicle is to be stolen. It costs an insurer a lot to replace a vehicle under comprehensive coverage. The car insurance company will offset the risk with a higher premium.
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 (NICB) compiles a top 10 list of the most frequently stolen vehicles.
A full-size Dodge Ram 1500 pickup is one of the most frequently stolen cars, ranked at number nine on the list. There were 1,155 Ram trucks stolen in 2001.
If you live in an area where cars are stolen often, you’ll pay more for auto insurance. Since the Dodge Ram 1500 is a commonly stolen vehicle, your comprehensive insurance rates will likely be higher than rates for other vehicles.
And since thefts are more common in urban areas, your rates will be higher if you live in the city. If your ZIP code has a high crime rate, you’ll pay more for your comprehensive auto insurance.
Keep reading for more information on what influences Dodge Ram 1500 insurance costs and other models.
If a powerful pickup 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 1500 insurance costs before making your decision.
We’ve mentioned other vehicles in the previous sections, but we didn’t show how the Dodge Ram 1500 compares against other trucks. Let’s compare the Dodge Ram 1500 car insurance rates to the most popular trucks in the United States.
|Vehicle Make and Model||Average Monthly Liability Rates||Average Monthly Collision Rates||Average Monthly Comprehensive Rates||Average Monthly Full Coverage Rates|
|Dodge Ram 3500||$22||$33||$48||$121|
|GMC Sierra 1500||$28||$50||$31||$122|
|Chevrolet Silverado 1500||$27||$47||$35||$124|
|Dodge Ram 1500||$30||$47||$35||$127|
|Ford F-Series Super Duty||$27||$51||$39||$132|
|Chevrolet Silverado 2500HD||$30||$57||$35||$138|
Compared to other vehicles, the Dodge Ram 1500 is one of the most expensive in terms of monthly car insurance rates.
Depending on the company and other factors that determine auto insurance, you could pay less under the right circumstances. Continue reading to learn how you can save money on a Dodge Ram 1500.
Before you compare the insurance rates of the Dodge Ram 1500, it’s important to consider your circumstances.
In other words, what you might pay to insure your Dodge Ram 1500 could be very different from what someone else with the same truck might pay.
The more likely someone is of getting into an accident and filing an insurance claim, the more a company will charge them to insure their car.
If you have a great driving record, there’s a good chance your insurance rates will be lower than those of 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 expensive 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.
Also, many providers look at a customer’s credit rating when they determine their car insurance rates. Although someone might have a pristine driving record, they may have to pay higher rates if they have a bad credit rating.
If a customer has had difficulties paying their bills on time, a provider will charge them more.
How much insurance coverage a driver decides to buy will also affect their rates. If one Dodge Ram 1500 owner buys plenty of coverage for their truck, but another driver purchases a minimum amount, the first driver will pay more.
Car accidents have serious and costly effects. Having a good amount of coverage could save you from financial ruin.
Liability insurance pays for damages you cause to a person or property in an accident. Nearly every state requires drivers to have liability insurance for their vehicles.
The minimum amount you’re required to have varies from state to state.
You can check with your state’s regulating body to find out what the requirements are. For example, The Oregon Department of Motor Vehicles oversees the state’s insurance regulations.
In addition to liability car insurance, many drivers purchase other policies like collision and comprehensive for their vehicles. Collision insurance pays 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, comprehensive insurance would cover the repairs.
When you’re reviewing the average auto 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 circumstances and how much insurance you buy will affect your insurance rates.
In this section, we’re going to cover how safety ratings affect personal injury protection and medical payment insurance. We’ve included more data from the IIHS to show you how claims affect these coverages.
A number of the top factors that affect auto insurance rates are based on you, the driver. Others are based on the insurance company you choose.
Two different companies can have drastically different rates for the same types of coverage, as you may see while you’re searching for rates.
Personal injury protection (PIP) covers medical expenses and lost wages. This type of coverage protects you, and it does not matter if you were at fault for the accident.
|Vehicle||Personal Injury Losses|
|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 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 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 crew cab short bed||-6%|
|Nissan Titan crew cab short bed 4WD||-32%|
|Nissan Titan XD crew cab 4WD||-30%|
|Ram 1500 crew cab LWB 4WD||-40%|
|Ram 1500 crew cab SWB||-11%|
|Ram 1500 crew cab SWB 4WD||-29%|
|Ram 1500 ext. cab||1%|
|Ram 1500 ext. cab 4WD||-29%|
|Ram 1500 SWB||-21%|
|Toyota Tundra CrewMax||-24%|
|Toyota Tundra CrewMax 4WD||-33%|
|Toyota Tundra double cab||-12%|
|Toyota Tundra double cab 4WD||-41%|
The Dodge Ram 1500 was better than average when it came to the losses for personal injury protection.
Med Pay, or Medical Payments, covers medical expenses for all passengers involved in the accident.
|Vehicle||Medical Payment Losses|
|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. cab||0%|
|Chevrolet Silverado 1500 ext. cab 4WD||-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 crew cab||-22%|
|GMC Sierra 1500 crew cab 4WD||-45%|
|GMC Sierra 1500 ext. cab 4WD||-33%|
|Nissan Titan crew cab short bed 4WD||-22%|
|Nissan Titan XD crew cab 4WD||-37%|
|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%|
|Toyota Tundra CrewMax||-19%|
|Toyota Tundra CrewMax 4WD||-45%|
|Toyota Tundra double cab||-10%|
|Toyota Tundra double cab 4WD||-47%|
For the Dodge Ram 1500, the losses for Med Pay are better than average.
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 truck’s latest models no longer carry the name Dodge and are just titled the Ram 1500.
The Ram 1500 is a full-size pickup truck 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 engine type.
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 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 truck 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 manufactured with front crumple zones and side-impact door beams to minimize damage 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.
As a driver, you’ll likely appreciate the safety features in the Ram 1500. The truck uses the latest technology to help drivers prevent accidents and to protect them during a collision.
All Ram 1500s have blindspot monitoring, Rear Cross Path, and Trailer Detection. These features scan areas you’re not able to see while driving and ensure that your trailer is safe while maneuvering.
Here’s a complete list of the Dodge Ram 1500 Safety Features:
The truck has 14.9-inch stand brakes to help you when you stop. It includes six airbags in the front and sides 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 occupant’s size in the front seat and the severity of the crash.
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In 2019, the Dodge Ram 1500 got an update that enhanced the truck’s safety features and improved its safety ratings as well.
Due to the 2019 updates, the Insurance Institute for Highway Safety (IIHS) named this vehicle a Top Safety Pick. This should affect the 2019 Dodge Ram 1500’s auto insurance rates positively.
Examine the IIHS Safety Ratings below.
|IIHS Dodge Ram 1500 Rating Overview||IIHS Ratings|
|Small overlap front: driver-side||G|
|Small overlap front: passenger-side||G|
|Moderate overlap front||G|
|Head restraints & seats||G|
|Headlights (varies by trim/ option)||G|
|Front crash prevention: vehicle-to-vehicle||M|
|Child Seat Anchors||M|
For the overall evaluation, the Dodge 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.
However, the Dodge Ram 1500 scored an “M” (marginal) for lower foot/leg. After the crash tests, the dummy’s position in the truck indicated that the driver’s survival space held up well after the crash.
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.
The front and side airbags helped keep the driver’s head from hitting the steering wheel. The lower left leg area showed some risk for injury for both crash tests done on the Dodge Ram 1500.
Crash test ratings reveal how a car handles damage from a crash and how well it protects the driver and other passengers. The National Highway Traffic Safety Administration (NHTSA) also performs crash tests to determine the vehicle’s overall safety.
The Dodge Ram 1500 has been tested along with other popular trucks. Let’s compare the Dodge Ram 1500 NHTSA crash test ratings to other popular truck models.
|NHTSA Rating Overview||2021 Dodge Ram 1500 Crash Ratings||2020 Chevrolet Silverado 1500 Crash Ratings||2020 Ford F-150 Crash Ratings||2021 Toyota Tundra Crash Ratings|
|Overall Rating||5 stars||4 stars||5 stars||4 stars|
|Frontal Crash||4 stars||4 stars||5 stars||4 stars|
|Side Crash||5 stars||5 stars||5 stars||5 stars|
|Rollover||4 stars||4 stars||4 stars||4 stars|
Compared to other trucks, the Dodge Ram 1500 is a tough competitor for other trucks. The Ford F-150 has slightly better crash ratings, but all trucks in the data are considered the best in the United States.
In 2018, there were 34 deaths for pickup drivers per million registered vehicles compared to only 23 deaths per million registered vehicles for SUVs. For all occupants, pickups had 42 deaths, compared to 32 deaths for SUVs.
Below are the deaths per million registered vehicles for pickups of various sizes provided by the IIHS.
|Type of Pickup||Registered Vehicles||Deaths||Rate Per Million|
The Dodge Ram 1500 is categorized as a large pickup. As you can see in the table above, large pickups had the highest number of deaths per million vehicles. The table below shows deaths by impact point and vehicle type for single vehicles.
|Vehicle Occupants||Frontal||Side||Rear||Other (mostly rollover)||All|
|Car Occupants Number||7,433||3,568||834||1,303||13,138|
|Car Occupants Percent||57||27||6||10||100|
|Pickup Occupants Number||2,493||807||173||896||4,369|
|Pickup Occupants Percent||57||18||4||21||100|
|SUV Occupants Number||2,784||930||286||1,035||5,035|
|SUV Occupants Percent||55||18||6||21||100|
|All Occupants Number||12,932||5,350||1,310||3,299||22,891|
|All Occupants Percent||56||23||6||14||100|
Compared to SUVs and cars, pickup trucks had the fewest number of deaths by impact point. The table below shows deaths by impact point and vehicle type for multiple vehicle crashes.
|Vehicle Occupants||Frontal||Side||Rear||Other (mostly rollover)||All|
|Car Occupants Number||4,577||2,616||738||118||8,049|
|Car Occupants Percent||57||33||9||1||100|
|Pickup Occupant Number||1,223||503||136||47||1,909|
|Pickup Occupant Percent||64||26||7||2||100|
|SUV Occupants Number||1,475||632||252||63||2,422|
|SUV Occupants Percent||61||26||10||3||100|
|All Occupants Number||7,426||3,784||1,143||236||12,589|
|All Occupants Percent||59||30||9||2||100|
Pickups had the fewest number of deaths for multiple vehicle crashes compared to cars and SUVs.
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 over five years.
Below are costs for repairs to certain vehicle parts of a Dodge Ram 1500.
|Maintenance||Front Bumper||Front Door||Rear Door||Fender||Roof||Hood||Qurter Panel|
|Haz Waste Disposal||$5||$5||$5||$5||$5||$5||$5|
|Color Sand and Buff||$19||$19||$19||$19||$19||$19||$19|
Getting repairs for certain parts of a truck will cost more than others. When you get repairs, you’re 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.
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 the other person’s liability will not pay for the damages. Usually, this would be a situation where you were at fault, or a hit-and-run.
With this coverage, you can repair or replace your car. If you rear-end another driver and damage your 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.
Here are some answers to commonly asked questions from Dodge Ram drivers.
The bare minimum auto insurance required varies state by state. However, most require some type of liability coverage.
Liability car insurance 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 with no insurance or insufficient insurance to cover the full amount.
Car 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 will also 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.
Insurance for diesel trucks, including Dodge Ram 1500 and other models, can often be 10-15% more expensive than gas cars but still less expensive to insure than electric or hybrid cars.
Auto insurance companies often offer several 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 a 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 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 for having an away-from-home college student on the policy.
Your overall driving record, years of driving experience, and your annual mileage are three major factors in determining 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.
Driving safely, obeying all traffic laws, and taking a driver education course may help keep your record clean.
The Ram 1500 is generally considered to be a good truck. The seats are comfortable, and there is plenty of legroom. It has a nice interior design.
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. A 2020 Ram 1500’s 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.
A 2018 Ram 2500’s insurance costs will be higher than the same year of Dodge Ram 1500 but might be lower than a newer Dodge 1500.
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 you learned more about insurance for the Dodge Ram 1500 while reading this guide. Did we cover everything you need to know? Ready to get quotes?
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