Compare the best Ram car insurance quotes for free.

On average, Ram drivers save hundreds of dollars per year by comparing quotes with us.

34,125 Canadians

have compared rates and saved money over the last 24 hours

What our users say:

April 22
Good communication
Good communication
Suseini Umar
April 21
percise questions asked, timely responce from rep, very polite to my quetions and her responce.
good clear questions
garry morrison
April 21
Easy Solution to a Frustrating Task
It made finding a suitable insurance company easy and instead of calling one aft...
Ian Dunn
April 17
Quick and easy
Quick and easy
Woody Green
April 15
Really good customer service
Really good customer service, flexibility and transparency of the process, frien...
Teodor Iurea
April 11
SARA WAS VERY HELPFUL AND VERY EFFICIENT
SARA WAS VERY HELPFUL AND VERY EFFICIENT
John Randle
April 11
its always people
its always people, and Erin Upsdell was knowledgeable, helpful and professional....
Antonio
April 11
Good Service.
Clear request of info.... fast results.... follow-up recommendation appreciated.
Myrna Hanna
April 10
Very fast easy-to-use.
Very fast easy-to-use.
ROBERT EDWARD BROWN
April 9
The broker made my transition from my…
The broker made my transition from my previous insurance to changing with you ve...
Christina Raposo
April 9
Convenient
Convenient, friendly and efficient. Good price too!
Uwe Stueckmann
April 8
agent was direct and professional
agent was direct and professional
Steven Olson
April 7
hell yes
hell yes, this is the way to do it. was dreading shopping around for insurance -...
Rok
April 5
Great
The rep was professional or so it seemed Thanks
Terry Esau
April 5
Great service
Great service , very courteous
lucie belzile
April 3
Wow so helpful & quick
Wow so helpful & quick! Saved alot of money w/out sacrificing on services!
Tamara
April 1
It was great
It was great
David Rae
March 31
Customer experience was great
Customer experience was great, the agent had all my information and transferred ...
William Douglas

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Ram auto insurance: what you need to know.

A favourite among those looking for a heavy duty truck, Ram offers the comfort and the capability today’s truck driver looks for. Proudly made in North America, the Ram 1500 model has been named Motortrend’s Truck of the Year for the last three years — a feat unmatched by any other automaker.

If you’re looking to get behind the wheel of a Ram, make sure you’re comparing the cost of Ram insurance in Canada beforehand.

Insurance rates for your Ram will vary depending on a number of factors, including: who is driving the truck, how old your Ram is, what model Ram you purchase, and where you’re driving.

Don’t just settle for the first Ram car insurance quote you’re given — make sure you’re shopping around for the best deal possible. A broker for Ram insurance can help you get a good deal, and you can always use a rate comparison site such as LowestRates.ca to ensure that you’re getting the best car insurance rates for Ram.

Whether you’re looking for a new Ram insurance policy or a Ram insurance renewal, our comparison tool can help you find the best Ram car insurance price.

Keep scrolling to learn more about Ram insurance coverage.

How much is insurance for a Ram?

With several different models to choose from, it can be tough to answer questions like, “how much is insurance for a Ram?” or “what’s the cheapest Ram to insure?”

Determining Ram insurance costs will depend on a number of variables. Insurance companies have complex algorithms and tools to determine Ram car insurance rates. These algorithms consider factors such as a driver’s driving history, whether you live in the city or country, what province you’re in, as well as vehicle type and model.

Car insurance providers will also look at your insurance history to see whether you’ve made any claims prior. Ram insurance for new and young drivers, for example, is likely a higher price than the Ram vehicle insurance offered to seasoned drivers.

It’s important to note that only the Atlantic provinces, Ontario, Alberta, Quebec, and the territories have private insurance markets. In all other provinces, insurance is provided by the government. This is why the average Ram insurance cost isn’t a reliable benchmark to base your budget on and you’re better off applying for quotes.

If you’re looking for the best insurance rates for a Ram, start with a free quote from our LowestRates.ca comparison tool. We’ll help you compare Ram insurance costs online in just 3 minutes.

To get a better sense of the average cost of Ram auto insurance, we pulled together some Ram insurance premium comparisons below.

The following are Ram car insurance rates offered to real LowestRates.ca users.

Estimated Premium

Front view of a car. Illustration.

See how our customers with collision coverage save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from April 24, 2025
Customer
Male, 34 years old
Location
ontario
Vehicle
2009 DODGE/RAM GRAND CARAVAN SXT
Lowest Rate
$113/mth
$1,356/yr
Average Rate
$188/mth
$2,255/yr
Saved
$75/mth
39.87%
Quote from April 23, 2025
Customer
Male, 29 years old
Location
alberta
Vehicle
2007 DODGE/RAM RAM 3500 LARAMIE QUAD CAB 4WD DIESEL
Lowest Rate
$60/mth
$719/yr
Average Rate
$75/mth
$904/yr
Saved
$15/mth
20.46%
Quote from April 23, 2025
Customer
Male, 20 years old
Location
alberta
Vehicle
2007 DODGE/RAM RAM 3500 LARAMIE QUAD CAB 4WD
Lowest Rate
$613/mth
$7,360/yr
Average Rate
$942/mth
$11,303/yr
Saved
$329/mth
34.88%

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

Your questions about Ram auto insurance rates, answered.

What is the cheapest Ram to insure?

If you’re looking for cheap Ram car insurance, your best bet is to choose the lowest level trim available. For example, the Ram 2500 would be more expensive to insure than a Ram 1500, but less than the Ram 3500. The more expensive your vehicle is at the point of sale, the more expensive it will be to replace in the event of a claim.

Because the Ram 1500 was one of the 10 most stolen vehicles in 2020, car insurance on a Ram is likely to be more expensive than other vehicles. It’s also important to note that for its size and class, Ram is one of the most expensive vehicles to insure.

Comparing and reviewing your Ram insurance rates annually will ensure you’re always getting the best rate possible. Using a tool like LowestRates.ca comparison tool takes less than 5 minutes and compares more than 50 different rates to help you find the best deal.

Used vs. new Ram: which is cheaper to insure?

Insurance on used Ram cars is usually cheaper than insurance for new Rams. This is because it is more expensive to replace a newer model Ram than an older model. Newer Rams will also require more insurance coverage than older or used Rams.

Whereas liability and accident benefits are mandatory whether your vehicle is new or used, coverage for physical damage is not. If you own your vehicle outright, then collision coverage is optional in many provinces (though it is still highly recommended as it covers damage that happens to your vehicle while in motion.) Comprehensive coverage will cover your vehicle when stationary and is also optional if you own your vehicle outright. It’s recommended to have comprehensive and collision insurance on newer cars, and it will likely be a requirement if you’re leasing your vehicle.

It’s important to note that the Ram is one of the most expensive trucks in its size and class to insure, despite being named a Top Safety Pick by the IIHS. This is likely due to the high theft rates for this model. 

What is the best car insurance for a Ram?

The key to getting the best insurance rate on a Ram is to ensure you’re only paying for the coverage you need, and that your driving history is in top shape. Also ensuring that your insurance coverage doesn’t have any gaps can help you to get the best rate possible. There’s no single insurance provider that’s best for one particular make — which is why comparing quotes is essential.

The LowestRates.ca comparison tool is one of the fastest ways to ensure you’re getting the best online price for Ram insurance. You can also reach out directly to a broker near you to discuss insurance for a Ram. Brokers work with multiple insurance companies to help get you the best rate possible for your coverage needs.

How are auto insurance quotes for Ram calculated?

Factors that will affect your Ram insurance cost include your location, your age, and your driving history.

To ensure you’re always getting the best insurance rate for your Ram, use LowestRate.ca’s free online tool to compare costs from more than 50+ Canadian insurance providers.

  • Location: Rates are often more expensive in Ontario than in other provinces, and more expensive in large cities compared to small towns. Your insurance may even depend on the neighbourhood you live in within a particular city.
  • Age: Provinces such as Alberta and Ontario allow insurance companies to use age as a factor in calculating insurance premiums. This means that those under the age of 25 are likely to have higher rates than more experienced drivers. Once you’ve proven yourself as a safe driver, your rates will likely drop.
  • History: Your driving history and whether or not you’ve made any insurance claims in the past are two of the biggest factors in determining your insurance rate. Should you find yourself in a position where you need to make a claim, weigh the potential premium increases against the current costs carefully.
  • Customer loyalty: Some insurance companies offer discounts for customer loyalty — such as having more than one insurance product with a particular company, or being with them for many years. There may even be discounts for those who have completed a driver education course.
  • Insurance company’s own underwriting. Finally, your coverage limits as well as whether or not you’re setting up a new policy or renewing will also impact the rate you get.

Is it safe to buy Ram insurance online?

Yes, it’s totally safe to buy Ram insurance online. Our tool is free, unbiased, and secure — we only ask for the details we need to find you the best quotes in your area, and we’ll never give your information to a third party. We’ve helped Canadians save millions on their insurance costs. Get a quote for car insurance on LowestRates.ca and start saving today.

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