Compare Ram truck insurance estimates from AU's top providers. Whether you drive a 1500, 2500, or 3500, find the right cover at the right price - comprehensive, third party, or fire & theft.
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Ram Trucks has grown rapidly in popularity in Australia, offering large American-style pickup trucks that appeal to both commercial operators and lifestyle buyers. The Ram 1500 is the most common model on Australian roads, with the heavy-duty 2500 and 3500 popular for towing and commercial use.
From an insurance perspective, Ram trucks fall into higher insurance groups due to their substantial vehicle values, large physical size, powerful engines, and higher repair costs. Parts are typically imported and specialist repairs can be more expensive than for mainstream brands.
Most major Australian insurance providers cover Ram trucks, though some may classify them as commercial or heavy vehicles. Providers including AA Insurance, AMI, Tower, and specialist commercial insurers offer cover. See our full Australian car insurance comparison for more.
Estimated annual comprehensive insurance costs for Ram models in Australia. Based on a 35-year-old driver with a clean record in Auckland.
| Model | Type | Approx. Value (Used) | Est. Comprehensive/yr | Insurance Group | Notes |
|---|---|---|---|---|---|
| Ram 1500 | Full-size Pickup | $50,000-$120,000 | $1,200-$2,200 | High | Most popular Ram in Australia. Available in multiple trim levels from Express to Limited and TRX. |
| Ram 2500 | Heavy-duty Pickup | $70,000-$120,000 | $1,500-$2,500 | High | Heavy-duty workhorse. Often used commercially - may require commercial vehicle policy. |
| Ram 3500 | Heavy-duty Pickup | $80,000-$120,000 | $1,600-$2,500 | High | Largest Ram available. Heavy towing capacity. Commercial insurance may be required. |
Disclaimer: All prices shown are indicative estimates based on publicly available data and typical driver profiles as of early 2026. Actual premiums vary based on your vehicle, location, driving history, and chosen cover level. These figures are not quotes. Always obtain a personalised quote from the insurer directly. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Choose the right level of protection based on your Ram's age and value.
Covers damage you cause to other vehicles or property. Your Ram is not covered. Due to the size of Ram trucks, third-party liability is worth considering even on older vehicles.
Adds fire and theft protection for your Ram. Good value for older Rams where full comprehensive may not be cost-effective.
Full protection for your Ram. Covers accident damage, theft, fire, weather, vandalism, and third-party liability. Commonly chosen for Ram trucks given their high value.
Understanding these factors can help you find cheaper Ram insurance in Australia.
A base Ram 1500 Express is cheaper to insure than a Ram 1500 TRX or fully loaded Limited. Engine size and trim level affect premiums significantly.
Drivers under 25 pay considerably more. Over-25s with a clean licence and driving history get the best rates on Ram insurance.
Auckland and Wellington typically have higher premiums than rural areas. However, rural use may involve longer distances and different risk profiles.
Rams with factory immobilisers, alarms, or aftermarket tracking devices can attract lower premiums from some Australian insurers.
Up to 65% discount for claim-free years. Protect your NCB - some insurers offer bonus protection so one claim doesn't reset it.
Rams used commercially (farming, contracting, towing) may need a commercial policy. Recreational-only use is typically cheaper to insure.
Practical ways to reduce your Ram insurance premium without sacrificing cover.
Ram premiums can vary by $600+ between providers for the same cover. Always get at least 3 estimates before choosing.
Raising your excess from $500 to $1,000 can save 10-20% on your premium. Only do this if you can afford the higher excess if you claim.
Most Australian insurers charge a loading for monthly payments. Paying annually can save 5-10% - that could be $120-$250 on a typical Ram policy.
Insure your Ram alongside your home, contents, or farm insurance with the same provider. Multi-policy discounts of 5-15% are common in Australia.
Adding young or inexperienced drivers increases premiums significantly. Only add drivers who regularly use your Ram.
Garaging your Ram overnight and installing an approved alarm, immobiliser, or GPS tracker can reduce premiums. Let your insurer know about security features.
Key facts about Ram vehicle security and safety performance in Australia.
Ram trucks are high-value targets for theft, though their large size can make them harder to steal undetected. Australian Police note that large trucks can be targeted for catalytic converters, tools stored in the bed, and aftermarket accessories.
Ram trucks sold in Australia are typically converted from left-hand drive to right-hand drive. Safety ratings can vary depending on the conversion process and the model year.
Common questions about insuring your Ram in Australia.
Disclaimer: The information on this page is for general informational purposes only and does not constitute financial advice. While we strive for accuracy, insurance products, pricing, and terms change regularly. Always verify details directly with the insurer before making any decisions. If you need personalised advice, consider consulting a licensed financial adviser. For more information, visit the Financial Markets Authority (FMA).
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