Ram 1500 Insurance in Pennsylvania
Rates from $46 – $77/mo minimum coverage, $184 – $306/mo full coverage. Compare top PA carriers below.
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Updated June 2026 · Source: Pennsylvania DOI + IQ rate model
Average monthly premium — 2024 Ram 1500, Pennsylvania
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 Pennsylvania
"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 Pennsylvania
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.
Pennsylvania is a choice no-fault state requiring 15/30/5 liability + $5,000 PIP. Drivers can pick limited tort (cheaper) or full tort (more expensive, preserves right to sue for pain/suffering). Philadelphia ZIPs see materially higher premiums than the state average.
Frequently asked questions
01How much is Ram 1500 insurance in Pennsylvania?
Pennsylvania drivers of a 2024 Ram 1500 pay about $184 – $306 per month for full coverage, or roughly $46 – $77 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. Pennsylvania law itself only requires the state liability minimums (15/30/5 plus $5,000 PIP), but the lender's contract overrides that.
03What's the cheapest carrier for a 1500 in Pennsylvania?
Cheapest varies by driver profile, but in Pennsylvania the major carriers most often quoting the lowest premiums for a 1500 are GEICO, Progressive, and State Farm. Regional carriers (Erie and Penn National) 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 PA carrier offers.
05Does Pennsylvania require SR-22 after a DUI for a 1500?
After a DUI, Pennsylvania 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.