Ram 1500 Insurance Cost in North Carolina
Official 2026 rate study for insuring a Ram 1500 in North Carolina (NC). Compare full coverage against state minimum liability (30/60/25), model year depreciation, and major carrier underwriting benchmarks.
Official Specification & Legal Compliance Records
📊 Key Statistics: Ram 1500 in North Carolina (2026)
Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.
AutoInsure.online (2026 North Carolina Auto Insurance Index)
Ram 1500 Rates by Model Year in North Carolina
Depreciation schedule calculated for North Carolina insurance premiums from 2012 to 2026.
| Model Year | Full Coverage (Annual) | Full Coverage (Monthly) | State Min Liability | Savings vs 2026 | Coverage Advice |
|---|---|---|---|---|---|
| 2026 | $1,313 | $109/mo | $46/mo | Baseline | Full Coverage (Comp + Collision) |
| 2025 | $1,263 | $105/mo | $46/mo | -4% | Full Coverage (Comp + Collision) |
| 2024 | $1,217 | $101/mo | $47/mo | -7% | Full Coverage (Comp + Collision) |
| 2023 | $1,174 | $98/mo | $47/mo | -11% | Full Coverage (Comp + Collision) |
| 2022 | $1,133 | $94/mo | $48/mo | -14% | Full Coverage (Comp + Collision) |
| 2021 | $1,096 | $91/mo | $48/mo | -17% | Full Coverage ($1,000 Deductible) |
| 2020 | $1,060 | $88/mo | $49/mo | -19% | Full Coverage ($1,000 Deductible) |
| 2019 | $1,027 | $86/mo | $49/mo | -22% | Full Coverage ($1,000 Deductible) |
| 2018 | $996 | $83/mo | $50/mo | -24% | Full Coverage ($1,000 Deductible) |
| 2017 | $967 | $81/mo | $50/mo | -26% | Consider 10% Rule (Liability Only) |
| 2016 | $940 | $78/mo | $51/mo | -28% | Consider 10% Rule (Liability Only) |
| 2015 | $915 | $76/mo | $51/mo | -30% | Consider 10% Rule (Liability Only) |
| 2014 | $891 | $74/mo | $51/mo | -32% | Consider 10% Rule (Liability Only) |
| 2013 | $869 | $72/mo | $52/mo | -34% | Consider 10% Rule (Liability Only) |
| 2012 | $848 | $71/mo | $52/mo | -35% | Consider 10% Rule (Liability Only) |
Ram 1500 Rates by Driver Age in North Carolina
Actuarial loss-cost surcharges and discounts applied by North Carolina carriers based on driver experience.
Estimated Quotes by Carrier: Ram 1500 in North Carolina
Sample underwriting benchmarks across major carriers serving North Carolina drivers.
| Insurance Carrier | A.M. Best Rating | Estimated Monthly | Estimated Annual | Action |
|---|---|---|---|---|
| State Farm | A++ | $110/mo | $1,320/yr | |
| Progressive | A+ | $102/mo | $1,224/yr | |
| GEICO | A++ | $110/mo | $1,320/yr | |
| Allstate | A+ | $113/mo | $1,356/yr |
Frequently Asked Questions: Ram 1500 Insurance in North Carolina
How much does it cost to insure a Ram 1500 in North Carolina? ▾
Full-coverage car insurance for a Ram 1500 in North Carolina averages approximately $109 per month ($1,313 per year). Drivers opting for statutory state minimum liability (30/60/25) pay approximately $46 per month ($551 per year).
Is Ram 1500 insurance cheaper or more expensive in North Carolina? ▾
The Ram 1500 is approximately 14.2% cheaper than the statewide average vehicle insurance rate of $1,530/year in North Carolina. Its High actuarial risk classification and 4-star crash safety rating help keep physical damage loss ratios stable.
What are the legal minimum insurance requirements for a Ram 1500 in North Carolina? ▾
Under North Carolina insurance statutes, any motor vehicle registered in the state must carry at least $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage liability (30/60/25).
How much does a 16-year-old pay to insure a Ram 1500 in North Carolina? ▾
A 16-year-old teen driver on a standalone policy pays approximately $274/month ($3,283/year) for full coverage in North Carolina. Parents can substantially lower this surcharge by adding the young driver to a family multi-car policy and submitting good student grade transcripts.
When should I drop full coverage on an older Ram 1500 in North Carolina? ▾
Apply the actuarial 10% Rule: if the annual cost of comprehensive and collision coverage exceeds 10% of your vehicle's actual cash value (ACV), consider switching to state minimum liability only. In North Carolina, this typically occurs around model year 2018 or older.
Compare Ram 1500 Insurance Across Other States
See how insurance rates for the Ram 1500 vary across different state statutory jurisdictions.