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

34,734 Canadians

have compared rates and saved money over the last 24 hours

What our users say:

December 19
Got what I needed at a reasonable cost
Got what I needed at a reasonable cost
Lawrence Raymond Smith Lastnam
December 19
Appreciate Ashly sound professionalism.
I Appreciated her understanding and clarity. Ashly is top shelf very helpful. K...
Natalina Liota
December 18
Excellent customer service
Excellent customer service, very quick response
Sierra Pileggi
December 17
Very quick response and set up.
Very quick response and set up.
Costa
December 17
Helpfull and easy to talk
Helpfull and easy to talk
Jeffrey Lacambra
December 16
Quick response and very courteous…
Quick response and very courteous agent. Thank you.
Larry Horchover
December 14
Connected me with Scoop for a good…
Connected me with Scoop for a good price on car insurance. Thanks. Jim
James Ortlieb
December 13
I found it to be a very quick and…
I found it to be a very quick and smooth process. I am very Happy with the quote...
Zsuzsanna Cosentino
December 13
Quick and professional
Quick and professional . Got lot of offerts
Abderrahame
December 13
Your people help me to find out good…
Your people help me to find out good results for my insurance thank
Uthayan Gunasekaran
December 13
It was a fast process
It was a fast process. I was able to get the best rate in 5 minutes.
Winston Vassell
December 12
auto
the person interacted with was professional and thorough explain every think in ...
STAVROS steve KLIRONOMOS
December 11
Good follow through over two days
Over the course of two days, Stephanie connected me with an insurance broker who...
Patricia
December 8
Car quote
Yes, very informative, kind as well.
Magno Alvarez
December 7
It is very quick
It is very quick
Fayenot Jean-Jacques
December 7
Quick response and friendly costumer…
Quick response and friendly costumer service he was able to find a great rate qu...
Eva
December 7
I got a call right away
I got a call right away. Got a much lower quote
sandra Giles
December 5
Likely
W As very help and friendly
Hadeil Almahdy
December 2
They give you some choices
You get so easy for your enquiry .
Luis Castillo

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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 December 21, 2024
Customer
Male, 35 years old
Location
ontario
Vehicle
2022 DODGE/RAM RAM 1500 SPORT CREW CAB 4WD
Lowest Rate
$326/mth
$3,913/yr
Average Rate
$465/mth
$5,576/yr
Saved
$139/mth
29.82%
Quote from December 21, 2024
Customer
Male, 16 years old
Location
alberta
Vehicle
2010 DODGE/RAM RAM 1500 SLT CREW CAB 4WD
Lowest Rate
$265/mth
$3,181/yr
Average Rate
$386/mth
$4,633/yr
Saved
$121/mth
31.34%
Quote from December 21, 2024
Customer
Female, 19 years old
Location
ontario
Vehicle
2015 DODGE/RAM RAM 1500 LARAMIE CREW CAB 4WD
Lowest Rate
$258/mth
$3,093/yr
Average Rate
$436/mth
$5,229/yr
Saved
$178/mth
40.85%

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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