2024 Ram 1500: Insurance & Ownership Costs
Quick Answer
The 2024 Ram 1500 costs an average of $203/month to insure (full coverage). 5-year total cost of ownership: $53,854 ($898/month).
✓ Updated March 2026✓ Based on state insurance filings
MSRP
$39,590
Avg Insurance
$203/mo
MPG Combined
21
Safety Rating
4/5
Ram 1500 Insurance by State
| State | Full Coverage | Monthly | |
|---|---|---|---|
| Alabama | $2,452/yr | $204/mo | Details → |
| Alaska | $2,307/yr | $192/mo | Details → |
| Arizona | $2,781/yr | $232/mo | Details → |
| Arkansas | $2,517/yr | $210/mo | Details → |
| California | $3,128/yr | $261/mo | Details → |
| Colorado | $2,812/yr | $234/mo | Details → |
| Connecticut | $3,224/yr | $269/mo | Details → |
| Delaware | $2,828/yr | $236/mo | Details → |
| Florida | $5,108/yr | $426/mo | Details → |
| Georgia | $3,216/yr | $268/mo | Details → |
These are estimates based on state averages. Your exact rate depends on your specific profile.
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5-Year Total Cost of Ownership
Depreciation
$19,795
Insurance
$12,180
Fuel
$11,000
Maintenance
$3,790
Financing
$6,729
Registration
$360
5-Year Total Cost
$53,854
$898/month | $1/mile