Ram 1500 Insurance in Rhode Island
Rates from $59 – $98/mo minimum coverage, $231 – $385/mo full coverage. Compare top RI carriers below.
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Updated June 2026 · Source: Rhode Island DOI + IQ rate model
Average monthly premium — 2024 Ram 1500, Rhode Island
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 Rhode Island
"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 Rhode Island
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.
Rhode Island requires 25/50/25 liability minimums. As the most densely populated state in the US, claim frequency is materially elevated. Providence-area premiums account for most of the state's above-average rate.
Frequently asked questions
01How much is Ram 1500 insurance in Rhode Island?
Rhode Island drivers of a 2024 Ram 1500 pay about $231 – $385 per month for full coverage, or roughly $59 – $98 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. Rhode Island law itself only requires the state liability minimums (25/50/25), but the lender's contract overrides that.
03What's the cheapest carrier for a 1500 in Rhode Island?
Cheapest varies by driver profile, but in Rhode Island the major carriers most often quoting the lowest premiums for a 1500 are GEICO, Progressive, and State Farm. Regional carriers (Amica and Plymouth Rock) 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 RI carrier offers.
05Does Rhode Island require SR-22 after a DUI for a 1500?
After a DUI, Rhode Island 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.