Ram 1500 Insurance in Illinois (2026)
Quick Answer
Full coverage for a 2024 Ram 1500 in Illinois costs $201/month ($2,416/year). Safety rating: 4/5. Theft risk: high.
✓ Updated March 2026✓ Based on state insurance filings
Ram 1500 Rates by Company in Illinois
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $149/mo | $1,788/yr | Military families |
| Erie Insurance | $159/mo | $1,909/yr | Rate lock guarantee |
| GEICO | $165/mo | $1,981/yr | Clean driving record |
| Progressive | $177/mo | $2,126/yr | Telematics savings |
| State Farm | $183/mo | $2,199/yr | Good students |
| Travelers | $191/mo | $2,295/yr | Multiple discounts |
| Nationwide | $209/mo | $2,513/yr | Bundling home + auto |
| Farmers | $217/mo | $2,609/yr | Signal telematics |
| Allstate | $225/mo | $2,706/yr | Accident forgiveness |
| Liberty Mutual | $238/mo | $2,851/yr | New car replacement |
USAACheapest
Monthly
$149/mo
Annual
$1,788/yr
Best for: Military families
Erie Insurance
Monthly
$159/mo
Annual
$1,909/yr
Best for: Rate lock guarantee
GEICO
Monthly
$165/mo
Annual
$1,981/yr
Best for: Clean driving record
Progressive
Monthly
$177/mo
Annual
$2,126/yr
Best for: Telematics savings
State Farm
Monthly
$183/mo
Annual
$2,199/yr
Best for: Good students
Travelers
Monthly
$191/mo
Annual
$2,295/yr
Best for: Multiple discounts
Nationwide
Monthly
$209/mo
Annual
$2,513/yr
Best for: Bundling home + auto
Farmers
Monthly
$217/mo
Annual
$2,609/yr
Best for: Signal telematics
Allstate
Monthly
$225/mo
Annual
$2,706/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$238/mo
Annual
$2,851/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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Ram 1500 Insurance by Age in Illinois
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $594/mo | $7,128/yr |
| 19 years old | $359/mo | $4,310/yr |
| 21 years old | $286/mo | $3,433/yr |
| 25 years old | $188/mo | $2,258/yr |
| 30 years old | $156/mo | $1,866/yr |
| 40 years old | $146/mo | $1,754/yr |
| 50 years old | $142/mo | $1,698/yr |
| 65 years old | $154/mo | $1,847/yr |