Compare Ram truck insurance estimates from Australia's leading providers. Whether you drive a 1500, 2500, or 3500, find the right cover at the right price - comprehensive, third party, or fire & theft.
AAMI is one of Australia's most recognised car insurance brands. With competitive pricing and strong claims support, they cover Ram trucks and can accommodate both private and light commercial use.
Ram Trucks has experienced a surge in popularity in Australia. The Ram 1500 is the most common model on Australian roads, appealing to both lifestyle buyers and those who need genuine towing capability. The heavy-duty 2500 and 3500 serve commercial operators, farmers, and caravan towers who need serious payload and towing capacity. Ram trucks sold in Australia are remanufactured to right-hand drive by Walkinshaw Automotive Group.
From an insurance perspective, Ram trucks sit in higher insurance groups due to their substantial vehicle values (new Ram 1500s frequently exceed $100,000), large physical size, powerful V8 engines, and imported US-sourced parts. The right-hand drive conversion process is also a factor insurers consider. Use RedBook to check your Ram's current market value.
Most major Australian insurers cover Ram trucks, including AAMI, Allianz, NRMA Insurance, Suncorp, and Youi. Some may classify them as commercial or heavy vehicles depending on the model. 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 Sydney.
| Model | Type | Approx. Value (Used) | Est. Comprehensive/yr | Insurance Group | Notes |
|---|---|---|---|---|---|
| Ram 1500 | Full-size Pickup | $70,000-$130,000 | $1,400-$2,500 | High | Most popular Ram in Australia. Multiple trim levels from Express to Limited and TRX. The TRX performance variant attracts the highest premiums. |
| Ram 2500 | Heavy-duty Pickup | $90,000-$140,000 | $1,700-$2,800 | High | Heavy-duty workhorse with Cummins diesel. Often used commercially - check if a commercial policy is required. |
| Ram 3500 | Heavy-duty Pickup | $100,000-$160,000 | $1,800-$3,000 | Very High | Maximum towing capacity. Primarily used for heavy commercial and caravan towing. 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. If you've noticed something incorrect, please let us know.
Choose the right level of protection. CTP insurance is separate and mandatory in every Australian state.
Covers damage you cause to other people's vehicles or property. Your Ram is not covered. Due to the size of Ram trucks, third-party liability cover is worth considering even on older vehicles.
Adds fire and theft protection. Given the high value of Ram trucks, this provides some protection but leaves you exposed to potentially very large accident repair bills.
Full protection for your Ram including accident damage, theft, fire, storm, hail, vandalism, and third-party liability. Commonly chosen by Ram owners given the high vehicle values and expensive repair costs involved.
Understanding these factors can help you find more competitive Ram insurance in Australia.
A base Ram 1500 Express is cheaper to insure than a 1500 TRX or fully loaded Limited. Engine size, trim level, and value directly affect premiums.
Under-25 drivers pay considerably more. A clean driving record with no at-fault claims attracts the best rates from Australian insurers.
Premiums vary by postcode. Urban areas may cost more due to parking difficulty with a large vehicle, while rural use may involve different risk profiles.
Rams with factory immobilisers and keyless entry provide baseline security. Aftermarket GPS trackers are worth considering for high-value trucks.
Australian insurers offer discounts of up to 65% for claim-free years. On high-premium Ram policies, the dollar savings are substantial.
Rams used commercially (farming, contracting, heavy towing) may need a commercial vehicle policy. Recreational-only use is typically cheaper to insure.
Practical ways to reduce your Ram insurance premium without sacrificing important cover.
Ram premiums can vary by $600 or more between insurers. Get estimates from AAMI, Allianz, Budget Direct, NRMA, Suncorp, and Youi.
Raising your excess from $750 to $1,500 can save 10-20% on your premium. On a Ram policy, that could mean savings of $200-$400 per year.
Monthly payment loadings add 5-10% to your total cost. Paying annually avoids this surcharge - that could be $150-$300 saved on a Ram policy.
Insure your Ram alongside your home, contents, or farm insurance with the same provider for multi-policy discounts of 5-15%.
If your Ram is used solely for private purposes, make sure your insurer knows. Commercial use attracts higher premiums but failing to disclose it can void your policy.
Garaging your Ram overnight and installing a GPS tracker or aftermarket alarm can reduce premiums. Tonneau covers and lockable tray storage also help protect contents.
Key facts about Ram vehicle security and safety performance for Australian owners.
Ram trucks are high-value targets, though their large size can make them harder to steal undetected. The NMVTRC notes that large trucks can be targeted for catalytic converters, tools stored in the tray, and aftermarket accessories.
Ram trucks sold in Australia are remanufactured to right-hand drive by Walkinshaw Automotive Group. Safety features vary by trim level and model year, with higher trims offering more advanced driver-assistance technology.
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. All estimates are indicative and based on publicly available data. 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 MoneySmart.gov.au. Insurers are regulated by ASIC and APRA.
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