Ram 1500 Insurance in New Jersey (2026)
Quick Answer
Full coverage for a 2024 Ram 1500 in New Jersey costs $326/month ($3,915/year). Safety rating: 4/5. Theft risk: high.
✓ Updated March 2026✓ Based on state insurance filings
Ram 1500 Rates by Company in New Jersey
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $241/mo | $2,897/yr | Military families |
| Erie Insurance | $258/mo | $3,093/yr | Rate lock guarantee |
| GEICO | $268/mo | $3,210/yr | Clean driving record |
| Progressive | $287/mo | $3,445/yr | Telematics savings |
| State Farm | $297/mo | $3,563/yr | Good students |
| Travelers | $310/mo | $3,719/yr | Multiple discounts |
| Nationwide | $339/mo | $4,072/yr | Bundling home + auto |
| Farmers | $352/mo | $4,228/yr | Signal telematics |
| Allstate | $365/mo | $4,385/yr | Accident forgiveness |
| Liberty Mutual | $385/mo | $4,620/yr | New car replacement |
USAACheapest
Monthly
$241/mo
Annual
$2,897/yr
Best for: Military families
Erie Insurance
Monthly
$258/mo
Annual
$3,093/yr
Best for: Rate lock guarantee
GEICO
Monthly
$268/mo
Annual
$3,210/yr
Best for: Clean driving record
Progressive
Monthly
$287/mo
Annual
$3,445/yr
Best for: Telematics savings
State Farm
Monthly
$297/mo
Annual
$3,563/yr
Best for: Good students
Travelers
Monthly
$310/mo
Annual
$3,719/yr
Best for: Multiple discounts
Nationwide
Monthly
$339/mo
Annual
$4,072/yr
Best for: Bundling home + auto
Farmers
Monthly
$352/mo
Annual
$4,228/yr
Best for: Signal telematics
Allstate
Monthly
$365/mo
Annual
$4,385/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$385/mo
Annual
$4,620/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 New Jersey
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $963/mo | $11,552/yr |
| 19 years old | $582/mo | $6,985/yr |
| 21 years old | $464/mo | $5,564/yr |
| 25 years old | $305/mo | $3,659/yr |
| 30 years old | $252/mo | $3,024/yr |
| 40 years old | $237/mo | $2,843/yr |
| 50 years old | $229/mo | $2,752/yr |
| 65 years old | $250/mo | $2,994/yr |