Ram 1500 Insurance in North Carolina
Rates from $38 – $63/mo minimum coverage, $137 – $228/mo full coverage. Compare top NC carriers below.
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Updated June 2026 · Source: North Carolina DOI + IQ rate model
Average monthly premium — 2024 Ram 1500, North Carolina
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for Ram 1500 drivers in North Carolina
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why Ram 1500 insurance costs what it does in North Carolina
Lowers liability + medical-payments premiums by ~2–5% vs an equivalent 3-star vehicle.
Raises comprehensive premium ~12% vs comparable vehicles not on the list. Anti-theft discounts can offset most of it.
High parts and labor costs raise collision premiums materially.
North Carolina requires 50/100/50 liability + 50/100 UM (among the higher mandatory minimums in the US). Despite the high minimums, the NC Rate Bureau heavily regulates rate filings, keeping NC premiums among the cheapest in the country. Coastal hurricane exposure is the main upward pressure.
Frequently asked questions
01How much is Ram 1500 insurance in North Carolina?
North Carolina drivers of a 2024 Ram 1500 pay about $137 – $228 per month for full coverage, or roughly $38 – $63 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed 1500?
Yes. If your 1500 has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. North Carolina law itself only requires the state liability minimums (50/100/50 plus 50/100 UM), but the lender's contract overrides that.
03What's the cheapest carrier for a 1500 in North Carolina?
Cheapest varies by driver profile, but in North Carolina the major carriers most often quoting the lowest premiums for a 1500 are GEICO, Progressive, and State Farm. Regional carriers (North Carolina Farm Bureau and Erie) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Does the 1500's theft rate raise my comprehensive premium?
Yes, modestly. The Ram 1500 ranks #8 on the NICB Hot Wheels most-stolen list, which adds roughly 5-12% to comprehensive premiums vs an equivalent vehicle not on the list. Anti-theft devices (factory immobilizer, kill switch, tracking) can offset most of the surcharge — ask your agent which discounts your NC carrier offers.
05Does North Carolina require SR-22 after a DUI for a 1500?
After a DUI, North Carolina requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a 1500 typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.