Annual full coverage insurance costs for a Ram Rebel range from $1,176 to $6,949. Rates vary widely based on the model year, driver age, location, driving history, coverage level and insurer. MoneyGeek breaks down Ram Rebel insurance costs and coverage, offering insights into the best and cheapest insurers.
Ram Rebel Insurance Cost
Updated: April 11, 2025
Key Takeaways
State Farm offers the most affordable annual minimum coverage rate across all Ram Rebel model years at $510.
A Ram Rebel's average annual insurance cost is $644 for minimum coverage and $1,592 for full coverage.
MoneyGeek's analysis included data and 2,092 Ram Rebel insurance quotes from Quadrant Information Services to ensure comprehensive insights.
Ram Rebel Insurance Rates
What Is the Average Ram Rebel Car Insurance Cost?
Full coverage insurance for a Ram Rebel costs about $133 per month or $1,592 per year, based on a 40-year-old male driver with a clean record. Minimum coverage costs around $54 monthly or $644 annually.
| Minimum Coverage | $644 |
| Full Coverage | $1,592 |
Read more: Average Cost of Car Insurance
Ram Rebel Insurance Costs by Company
Ram Rebel insurance costs range from $1,221 to $2,427 per year, varying by age, model year and coverage level. The table below compares average Ram Rebel insurance rates with the averages for all vehicles from several national and mid-size providers.
| Allstate | $2,041 | $1,808 | 13% |
| Auto-Owners | $1,324 | $1,225 | 8% |
| Farmers | $2,031 | $1,953 | 4% |
| GEICO | $1,330 | $1,331 | 0% |
| Kemper | $2,427 | $2,209 | 10% |
| Nationwide | $1,705 | $1,586 | 7% |
| Progressive | $1,690 | $1,742 | -3% |
| State Farm | $1,379 | $1,268 | 9% |
| Travelers | $1,499 | $1,520 | -1% |
| USAA | $1,221 | $1,199 | 2% |
Read more: Best Car Insurance Companies
Cost of Insuring a Ram Rebel by Model Year
The year your Ram Rebel was made affects your insurance rates, with older models usually costing less. For instance, full coverage for a 2022 model costs $1,661 per year compared to $1,520 for a 2016 model. Below are the average full and minimum coverage rates for every production year.
| 2022 | $636 | $1,661 |
| 2021 | $639 | $1,635 |
| 2020 | $648 | $1,614 |
| 2019 | $656 | $1,600 |
| 2018 | $670 | $1,612 |
| 2017 | $674 | $1,581 |
| 2016 | $672 | $1,520 |
Ram Rebel Insurance Costs by Driver Age
Ram Rebel insurance rates vary widely based on driver age. For instance, 40-year-olds pay an average of $1,603 annually for full coverage, while 16-year-olds pay $6,949. Below are the average minimum and full coverage rates for drivers across ages.
| 16 | $3,007 | $6,949 |
| 17 | $2,439 | $5,653 |
| 18 | $2,128 | $4,974 |
| 19 | $1,517 | $3,558 |
| 20 | $1,363 | $3,236 |
| 21 | $1,080 | $2,613 |
| 22 | $985 | $2,403 |
| 23 | $914 | $2,245 |
| 24 | $866 | $2,136 |
| 25 | $769 | $1,911 |
| 26 | $748 | $1,844 |
| 27 | $730 | $1,803 |
| 28 | $718 | $1,774 |
| 29 | $707 | $1,750 |
| 30 | $683 | $1,688 |
| 35 | $664 | $1,634 |
| 40 | $656 | $1,603 |
| 45 | $651 | $1,582 |
| 50 | $635 | $1,534 |
| 55 | $618 | $1,493 |
| 60 | $619 | $1,487 |
| 65 | $659 | $1,535 |
| 70 | $716 | $1,641 |
| 75 | $797 | $1,798 |
| 80 | $902 | $1,998 |
| 85 | $976 | $2,145 |
| 90 | $1,030 | $2,246 |
Ram Rebel Insurance Rates Explained
Car insurance rates depend on driver profiles, but factors tied to your vehicle also play a key role. Below is a list of vehicle-related cost factors.
Ram Rebel Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Ram Rebel
Average Full Coverage Rate
$1,592Premiums for Ram Rebel are:$296 more
This is 23% more expensive.
Value
The Ram Rebel, a luxury pickup truck with an MSRP of $57,445, may have higher insurance costs due to its expensive repair and replacement expenses.
Performance
The Ram Rebel's 305 horsepower classifies it as a high-performance vehicle, which insurers may associate with higher risk, potentially increasing insurance premiums.
Vehicle age
Newer Ram Rebels are typically more expensive to insure than older ones. However, collector and classic vehicles can be exceptions, often costing more.
Vehicle size
Larger vehicles often cost more to insure due to greater property damage potential. The Ram Rebel’s 5,083-lb curb weight may contribute to higher insurance premiums than smaller Ram models.
Trim level
Higher trim levels with premium upgrades increase the MSRP, leading to higher insurance costs. The Ram Rebel’s upper trims are more expensive to insure than the base model.
Cheapest Ram Rebel Insurance
State Farm offers the cheapest minimum coverage for Ram Rebel at $510 per year, based on a 40-year-old male driver with a clean record. Below is a breakdown of the most affordable auto insurance across coverage levels, age groups, driving records, model years and more.
Cheapest Ram Rebel Insurance by Coverage Level
The coverage level you choose greatly impacts your Ram Rebel insurance rate. State Farm is the most affordable option for minimum coverage, while GEICO offers the best full coverage rates. Below is a breakdown of the cheapest providers for each type.
Cheapest Ram Rebel Minimum Coverage
State Farm offers the cheapest minimum coverage for a Ram Rebel at $43 per month, followed by GEICO at $45, Travelers at $53 and Allstate and Progressive at $57.
| USAA | $39 | $464 |
| State Farm | $43 | $510 |
| GEICO | $45 | $537 |
| Travelers | $53 | $642 |
| Progressive | $57 | $680 |
| Allstate | $57 | $687 |
| Nationwide | $61 | $730 |
| Farmers | $64 | $772 |
*State Farm offers non-military-affiliated Ram Rebel owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Ram Rebel Insurance Rates by Model Year
The above list doesn't consider a vehicle's production year, which can mean lower rates depending on its age. Filter the table below to find the cheapest minimum coverage rates for each Ram Rebel model year.
Data filtered by:Results filtered by:
Select
Model Year:2016
| Allstate | $698 | $58 |
| Farmers | $786 | $66 |
| GEICO | $569 | $47 |
| Nationwide | $789 | $66 |
| Progressive | $678 | $57 |
| State Farm | $517 | $43 |
| Travelers | $669 | $56 |
| USAA | $485 | $40 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Ram Rebel Insurance
GEICO offers the cheapest full coverage for a Ram Rebel at $1,290 annually or $107 monthly. Below is the complete list of full coverage car insurance providers and rates.
| USAA | $98 | $1,176 |
| GEICO | $107 | $1,290 |
| State Farm | $111 | $1,329 |
| Travelers | $123 | $1,482 |
| Nationwide | $133 | $1,590 |
| Progressive | $134 | $1,608 |
| Farmers | $157 | $1,881 |
| Allstate | $161 | $1,937 |
*On average, GEICO is the cheapest insurer for non-military-affiliated Ram Rebel owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Ram Rebel Insurance by Age
Drivers aged 16 to 25 and those over 55 often pay more for Ram Rebel insurance. Below is a breakdown of the cheapest options by age.
Cheapest Ram Rebel Insurance for Young Drivers
State Farm offers the cheapest auto insurance for young adults at $93 monthly or $1,119 annually for minimum coverage. The table below shows a complete list of affordable rates for Ram Rebel drivers aged 16 to 25.
| USAA | $81 | $971 |
| State Farm | $93 | $1,119 |
| GEICO | $108 | $1,294 |
| Travelers | $111 | $1,335 |
| Allstate | $134 | $1,603 |
| Progressive | $158 | $1,895 |
| Nationwide | $162 | $1,948 |
| Farmers | $175 | $2,094 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Ram Rebel Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $561 annually or $47 monthly. See the full list of affordable Ram Rebel insurers below.
| State Farm | $47 | $561 |
| USAA | $52 | $618 |
| GEICO | $54 | $644 |
| Travelers | $64 | $765 |
| Allstate | $70 | $840 |
| Nationwide | $71 | $857 |
| Progressive | $72 | $864 |
| Farmers | $87 | $1,045 |
Cheapest Ram Rebel Insurance After an Accident
State Farm, GEICO and Travelers offer Ram Rebel drivers the most affordable car insurance after an accident. See the complete list below for more options.
| State Farm | $53 | $641 |
| USAA | $59 | $707 |
| GEICO | $71 | $851 |
| Travelers | $78 | $931 |
| Allstate | $79 | $943 |
| Progressive | $92 | $1,098 |
| Nationwide | $95 | $1,137 |
| Farmers | $126 | $1,511 |
Ram Rebel Insurance Cost: Bottom Line
Regularly compare rates from various providers to secure the cheapest car insurance. This article explores Ram Rebel insurance, detailing costs across demographics and identifying affordable providers.
Ram Rebel Insurance Rates: FAQ
Below are answers to common questions about Ram Rebel insurance costs, including minimum coverage options and affordable plans.
What company has the cheapest car insurance for a Ram Rebel?
State Farm offers the cheapest insurance for a Ram Rebel, with an annual minimum coverage rate of $510.
What is the average cost of car insurance for a Ram Rebel?
A Ram Rebel's average annual insurance cost is $644 for minimum coverage and $1,592 for full coverage.
Ram Rebel Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 2,092 Ram Rebel insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Ram Rebel:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Ram Rebel insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Ram Rebel.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis includes average full coverage policy rates with comprehensive and collision coverage (with a $1,000 deductible) and increased liability limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.