How much is Ram 1500 insurance in Virginia?
For the driver profile in our methodology, a 2024 Ram 1500 costs between $34/mo at the state minimum and $269/mo for low-deductible full coverage. Most owners land in the full-coverage row — lenders and lessors require it.
| Coverage level | What it covers | Monthly | Annual |
|---|---|---|---|
| Minimum Coverage | Other people's injuries and property only | $34 – $56 | $408 – $672 |
| Liability Only | Higher limits; still nothing for your car | $57 – $96 | $684 – $1,152 |
| Full CoverageMost ownersYou’re viewing this tier | Adds damage to your 1500, theft, glass | $137 – $228 | $1,644 – $2,736 |
| Full Coverage + Low Deductible | Same, with less out of pocket per claim | $161 – $269 | $1,932 – $3,228 |
What full coverage includes
- Liability at recommended limits, above not mandatory ($500 uninsured fee option)
- Comprehensive: theft, hail, vandalism, fire, animal strike, glass
- Collision on the 1500, $500 deductible
- Uninsured/underinsured motorist — not listed as part of the state minimum here
What Virginia requires to drive a 1500
Virginia is listed in our registry as not strictly requiring a policy (not mandatory ($500 uninsured fee option)). The 1500 numbers on this page still assume someone who buys coverage, because that is what the rate model prices.
- Liability floor
- not mandatory ($500 uninsured fee option)
- Fault system
- Virginia is a tort (at-fault) state — the driver who causes a crash is who liability pays for.
- PIP
- PIP is not a required minimum in this state.
- Uninsured motorist in the minimum
- UM/UIM is not listed as part of the state minimum in our registry — it is typically added, not assumed.
- Purchase required?
- not mandatory ($500 uninsured fee option)
1500 insurance cost by model year
Newer models cost more to insure — a 2024 1500 runs about 17% more than a 2020 — because comp and collision track replacement value and parts cost. Liability barely moves with age.
| Model year | Full coverage / mo | Liability / mo | vs. 2024 |
|---|---|---|---|
| 2024 | $137 – $228 | $57 – $96 | — |
| 2023 | $130 – $217 | $56 – $95 | −5% |
| 2022 | $125 – $207 | $56 – $94 | −9% |
| 2021 | $119 – $198 | $55 – $92 | −13% |
| 2020 | $114 – $189 | $54 – $90 | −17% |
1500 vs. comparable vehicles
How the 1500 stacks up against the vehicles shoppers most often cross-shop it with — the GMC Sierra 1500 insures for about 3% less in Virginia. Same coverage, same driver profile.
| Vehicle | Full coverage / mo | vs. 1500 | Why it differs |
|---|---|---|---|
| Ram 1500 | $137 – $228 | — | Above-average claim severity |
| Ford F-150 | $137 – $228 | — | F-150's aluminum body raises panel costs; theft exposure matches. |
| Chevrolet Silverado 1500 | $137 – $228 | — | Silverado's steel panels repair cheaper after a hit. |
| GMC Sierra 1500 | $132 – $219 | −3% | Sierra rates similarly with a lower theft ranking. |
1500 insurance cost by Virginia city
Arlington drivers pay about 10% above the state average while Richmond runs 2% below. City pricing follows claim frequency — dense-metro traffic and repair costs carry the surcharge.
| City | Full coverage / mo | vs. VA average |
|---|---|---|
| Arlington | $151 – $251 | +10% |
| Alexandria | $148 – $246 | +8% |
| Norfolk | $144 – $239 | +5% |
| Virginia Beach | $141 – $235 | +3% |
| Richmond | $134 – $223 | −2% |
Why 1500 insurance costs what it costs
Full coverage on a 2024 Ram 1500 in Virginia stacks recommended liability limits on top of not mandatory ($500 uninsured fee option), plus comprehensive and collision at a $500 deductible. Lenders and lessors typically require that stack for the life of the loan; Virginia law itself does not.
The 1500 is a pickup in the premium MSRP tier, with above-average claim severity in our model and a 5-star NHTSA overall rating in our registry. It also carries NICB Hot Wheels rank #8, which our model applies as a comprehensive surcharge.
About 58% of this modeled full-coverage premium is comprehensive and collision — the part that tracks the 1500's replacement and repair cost rather than Virginia's liability floor. The $250-deductible sibling is $161 – $269.
Arlington is modeled 10% above the VA average ($151 – $251/mo full coverage on this 1500); Richmond is modeled 2% below at $134 – $223. Those city factors scale the same band as the hero — they are not a second rate file.
What the model knows about this 1500
- NHTSA overall
- 5 starsFeeds the safety multiplier in our rate model. We do not publish IIHS/HLDI scores — they are not in this registry.
- NICB theft list
- Rank #8On-list vehicles get a comprehensive surcharge in rates.ts.
- MSRP tier
- premiumReplacement-cost proxy. Higher tiers raise the full-coverage mid-point.
- Repair severity
- highClaim-severity proxy used only on comprehensive/collision, not on the liability floor.
Is full coverage the right tier for you?
- The 1500 is financed or leased — the lender’s contract typically requires comprehensive and collision
- You want a modeled $137 – $228/mo cap on repairing this premium-tier pickup instead of paying a shop out of pocket
- You want first-party coverage on the 1500 for crash and non-crash damage
- A paid-off 1500 whose actual cash value is well below ~$1,644–$2,736 a year in modeled full-coverage premium
- Very low annual miles where you would rather keep liability and drop the first-party lines
- Drivers who already keep $500+ reserved and want to price the $250-deductible tier ($161 – $269) before deciding
$500 vs $250 deductible on a 1500
On a 1500 this model prices a $250 deductible at $24–$41/mo above the $500 deductible. You save $250 per comprehensive or collision claim; you pay the extra premium every month whether you claim or not.
| Tier | Deductible | Monthly | Annual | In this file |
|---|---|---|---|---|
| Standard full coverageYou’re viewing this tier | $500 | $137 – $228 | $1,644–$2,736 | Default first-party deductible in this model |
| Low-deductible full coverage | $250 | $161 – $269 | $1,932–$3,228 | Priced at 1.18× the $500 band in rates.ts |
Add-ons that are not automatic on full coverage
These are typical market add-ons, not Virginia mandates and not priced in our rate model. Confirm each line on a quote.
- Rental reimbursement
If this 1500 is your only car, a shop visit without a rental add-on is an out-of-pocket week.
Not automatic on full coverage. Typical market price cited elsewhere on this site is $5–15/mo — confirm on the quote, do not treat that as a filed VA rate.
- Loan/lease payoff (gap)
New or financed Ram 1500: actual cash value after a total loss can sit below the loan.
State law does not require gap. Lenders sometimes sell it at the dealership; price it against the same add-on on the auto policy.
- Roadside assistance
Useful on a pickup you drive far from a dealer network — towing, lockout, flat.
2024 vehicles may still have factory roadside; stacking two roadside products rarely helps.
- Medical payments (MedPay)
Virginia does not require PIP, so MedPay is the usual small first-party medical add-on for occupants.
It is not a substitute for health insurance, and it is not required in this state.
Carriers that commonly quote Virginia
These are carriers we have real logos for and that commonly quote Virginia. We do not publish a per-carrier 1500 price — that would be a fabricated quote. The range on this page is the modeled band, not “from $X at GEICO.”
GEICOLowest base rate
ProgressiveSR-22 + tickets
State FarmBundling + agents
How to lower your 1500 rate
- Raise your deductible to $1,000. On a 1500 premium this is the single biggest lever you control directly.Saves ~$15–$27/mo
- Shop at least three carriers. Rates for the identical 1500 profile differ by 2x or more between carriers in Virginia.Saves up to $1,000+/yr
- Clean up billing. Paid-in-full, paperless, and autopay credits stack — small individually, real together, and none are applied unless you ask.Saves 3–8%
- Add an anti-theft device. The 1500 is on the NICB most-stolen list — a tracked immobilizer or kill switch earns a filed comprehensive credit with most carriers.Saves 3–10%
- Report your real mileage. Commuting under ~10,000 miles a year moves you down a rating band with most carriers, and pay-per-mile programs go further if you drive little.Saves 5–15%
- Bundle home or renters. Multi-policy is the largest standing discount most carriers file — typically 10–20% off the auto side.Saves 10–20%
About these numbers
Sources. Rate ranges are modeled from average premiums published by the Virginia Department of Insurance and industry rate data, adjusted per vehicle using NICB theft rankings, NHTSA safety ratings, MSRP tier, and repair-severity data. They are estimates, not filed quotes.
Rating profile. Unless noted: a 35–55-year-old driver with a clean record, average credit where states allow it, 12,000 annual miles, and standard $500 comprehensive and collision deductibles. Your rate will differ — that is the point of quoting.
Ranges, not averages. We publish a band rather than a single average because the spread between carriers for the same driver routinely exceeds 2x — a lone number hides the gap that makes shopping worth your time.
What this model does not do. It does not publish age-band prices, ticket/DUI/credit surcharge tables, per-carrier quotes, J.D. Power ranks, NAIC complaint indexes, or IIHS/HLDI scores. Vehicle knobs are only the four in the rate model: MSRP tier, NICB theft rank, NHTSA stars, and repair-severity tier. The $250-deductible band is the $500 band × 1.18.
Ram 1500 insurance in Virginia: FAQ
01Is full coverage required on a financed 1500 in Virginia?
Typically yes, by contract — not by Virginia statute. The state floor is not mandatory ($500 uninsured fee option). A lender can force-place a policy if you drop comprehensive or collision. This page models the $500-deductible stack at $137 – $228.
02What does Virginia actually require to drive a 1500?
Virginia's registry line is “not mandatory ($500 uninsured fee option).” Buying a policy is not strictly mandatory in that line; if you buy one, not mandatory ($500 uninsured fee option) is the package we list.
03Does 1500 insurance cost more in Arlington than in Richmond?
In this model, yes — Arlington is 10% vs the VA average ($151 – $251/mo full coverage) and Richmond is -2% ($134 – $223). Same 2024 Ram 1500, same driver profile; only the city factor changes.
04Does the 1500's NICB rank change this Virginia premium?
Our model applies a comprehensive surcharge when a vehicle is on the NICB top-100 list. The 1500 is rank #8. That is a modeled modifier, not a carrier’s filed theft factor for your ZIP.
05When does dropping collision on an older 1500 in Virginia make sense?
When the car’s actual cash value is no longer worth a modeled $1,644–$2,736 a year in full coverage. A common rule of thumb is to drop first-party coverages when 10× the annual premium exceeds the car’s value — keep the liability portion either way. Virginia still wants not mandatory ($500 uninsured fee option) on the road.
