Ram 1500 car insurance
Shopping your Ram 1500 coverage with Liberty Choice means comparing 20+ carriers at once — from state-minimum liability to full protection that satisfies your lender. Find out how much you could save in minutes.
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How much does Ram 1500 insurance cost?
According to Insurify's analysis of over 190 million quotes, Ram 1500 owners pay the following national averages:
| Coverage type | Monthly average | Annual estimate |
|---|---|---|
| Full coverage | $202 | ~$2,424 |
| Liability only | $108 | ~$1,296 |
Full coverage combines liability, collision, and comprehensive. Rates vary by driver age, ZIP code, driving record, credit score, and model year. Your quote from Liberty Choice may be higher or lower.
Source: Insurify, Ram 1500 car insurance cost data, updated June 2025. https://insurify.com/car-insurance/vehicle/dodge/ram-1500/
Ram 1500 owners pay around $202 a month for full coverage and $108 for liability only, based on Insurify's national average across all model years. That is slightly above what a comparable full-size truck owner typically pays, reflecting the Ram's high transaction volume, parts costs, and theft exposure.
Because full-size pickups consistently rank among the most-stolen vehicles in the United States, adding comprehensive coverage is worth weighing even if your truck is paid off. Comprehensive picks up the cost if your Ram is stolen or damaged by fire, flood, or hail — risks that are not covered by liability-only policies. A Liberty Choice agent can walk you through the math and help you decide which coverage level makes the most sense for your situation and budget.
Ram 1500 insurance cost compared to other full-size trucks
How does the Ram stack up against competing trucks? Here are average annual full coverage premiums for the most popular models:
| Make / Model | Annual full coverage (est.) |
|---|---|
| Ram 1500 | ~$2,424 |
| GMC Sierra 1500 | ~$2,208 |
| Chevrolet Silverado 1500 | ~$1,452 |
| Toyota Tundra | ~$1,443 |
| Toyota Tacoma | ~$1,563 |
| Ford F-150 | ~$1,280 |
Figures are national averages from multiple sources and model-year pools; individual rates will differ. Silverado, Tundra, Tacoma, and F-150 data from MoneyGeek (Feb 2026); Ram 1500 and Sierra from Insurify (Jun 2025). Comparisons are directional, not exact apples-to-apples.
Sources: Insurify (https://insurify.com/car-insurance/vehicle/dodge/ram-1500/, 2025); MoneyGeek (https://www.moneygeek.com/insurance/auto/best-car-insurance-for-pickup-trucks/, 2026)
Types of car insurance coverage for your Ram 1500
Nevada drivers must carry at least the state-required minimum liability limits. Beyond that, you have choices — and the right combination depends on how you use your truck, whether you carry a loan or lease, and how much financial risk you are comfortable with. Liberty Choice agents are here to help you think through the trade-offs.
Full coverage
Full coverage is not a single product — it is shorthand for a policy that pairs liability protection with collision and comprehensive. Collision pays for repairs to your truck after an impact, regardless of fault. Comprehensive covers non-collision losses: theft, vandalism, hail, flooding, and similar events.
If you are financing or leasing your Ram, your lender will almost certainly require you to carry full coverage for the life of the loan. Even truck owners who own outright may find the added peace of mind worthwhile, particularly in markets like Las Vegas where hailstorms and theft rates can affect risk.
Note that full coverage does not automatically include everything. Roadside assistance, rental car reimbursement, and GAP coverage are typically add-ons. GAP is especially relevant for newer trucks — if your Ram is totaled, GAP bridges the difference between the actual cash value your insurer pays and what you still owe on your loan.
State minimum liability
Every state sets a floor for the liability coverage you must carry. In Nevada, that minimum is 25/50/20 — $25,000 in bodily injury per person, $50,000 per accident, and $20,000 in property damage.
Liability-only policies pay for the other party's injuries and property damage when you are at fault. They do not cover your own vehicle or your medical bills. Given that the average new vehicle now costs well above $40,000, Nevada's $20,000 property damage minimum can be exhausted quickly in a serious collision. Carrying higher limits or adding full coverage is a smart way to protect your finances.
If budget is a concern, Liberty Choice can shop multiple carriers to find the most competitive liability-only rate while you work toward broader coverage.
How a DUI affects Ram 1500 insurance rates
A DUI conviction sends insurance premiums sharply upward. Nevada treats DUI seriously, and most carriers view a conviction as a significant risk marker — expect your rate to roughly double or triple in the year following a conviction.
You will likely be required to file an SR-22, a certificate your insurer files with the Nevada DMV to confirm you carry the state minimum. The SR-22 obligation typically lasts three years, and any lapse in coverage during that period can trigger a license suspension.
In severe or repeat cases, your current carrier may cancel your policy. Shopping across multiple non-standard carriers is the most effective way to find manageable DUI car insurance. Liberty Choice works with high-risk markets and can help you find a policy that gets you back on the road legally.
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Auto insurance discounts for Ram 1500 drivers
The right discounts can meaningfully lower your premium. Common savings opportunities available to Ram 1500 owners include:
- Safe driver discount. Most carriers reward a clean record — no at-fault accidents, claims, or moving violations — maintained for at least three to five consecutive years.
- Multi-policy (bundle) discount. Combining your auto policy with home or renters insurance under the same carrier typically saves 5–25% on each policy.
- Multi-vehicle discount. Adding a second vehicle to your policy often unlocks additional savings versus insuring each vehicle separately.
- Anti-theft and safety feature discount. Factory-installed and aftermarket anti-theft systems, along with advanced safety technology like automatic emergency braking, can reduce your rate.
- Military and affinity discounts. Active-duty service members, veterans, and certain professional groups may qualify for dedicated discount programs depending on the carrier.
- Telematics / usage-based discount. Enrolling in a carrier's driving-monitoring app lets your actual habits — speed, braking, miles driven — work in your favor if you drive safely and infrequently.
Discount availability and amounts vary by carrier. Liberty Choice compares offers across 20+ providers so you can see which combination puts the most money back in your pocket.
About the Ram 1500
The Ram 1500 is Stellantis's flagship full-size pickup and one of the top-selling trucks in the United States. It competes directly with the Ford F-150, Chevrolet Silverado 1500, GMC Sierra 1500, and Toyota Tundra — and consistently earns praise for its coil-spring rear suspension, which provides a noticeably smoother ride than the leaf-spring setups found in most rivals.
Ram 1500 trims, engines, and configurations
- Eight available trims. Tradesman, Big Horn, Laramie, Rebel, Laramie Longhorn, Limited, RHO, and TRX — covering work-focused entry points through luxury-oriented flagships.
- Engine choices. A 305-hp 3.6L Pentastar V6, a 395-hp 5.7L HEMI V8 (available with eTorque mild-hybrid assist), a 260-hp 3.0L EcoDiesel V6, and the supercharged 702-hp 6.2L HEMI V8 in the TRX.
- Coil-spring rear suspension. A Ram exclusive in the segment that delivers car-like ride quality while still supporting up to 2,300 lbs of payload.
- Standard technology. An 8.4-inch Uconnect touchscreen and a six-speaker audio system come standard; higher trims upgrade to a 12-inch screen and a 19-speaker Harman Kardon system.
- Ram Box and multifunction tailgate. Available Ram Box lockable bed-side storage and a 12-way split-fold tailgate round out the Ram's practical work-truck credentials.
Get a Ram 1500 insurance quote — fast and free
Whether you just drove off the lot or you are simply tired of overpaying on your current policy, let Liberty Choice do the comparison work for you. Get a free quote online in minutes, stop by our Las Vegas office at 6655 W Sahara Ave #A100, or call a licensed agent at 702-742-6322. We shop 20+ carriers — including Progressive, as a Platinum Authorized Agency — to find the right rate for your Ram and your budget.
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