Rates quoted on July 18, 2026 for a 27-year-old male driver with a clean record in Chicago, IL (ZIP 60601). Your rate will vary based on credit, prior coverage, and the carrier’s underwriting. InsuranceRateGuard.com earns revenue through advertising and referral relationships, always disclosed.

Progressive and GEICO landed within $48 of each other quoting a 2022 Ram 1500 in Chicago this July — then American Family came in at more than double both, on the same truck and the same coverage. We ran the same profile through GEICO, Progressive, and American Family for a single driver in Chicago, and the six-month premiums landed anywhere from $810.50 to $1,860, a $1,049.50 gap for identical coverage.

These are real quotes pulled from each carrier’s own site using one driver profile and identical coverage limits — not an industry average pieced together from a rate table.

The Driver Profile

This 2022 Ram 1500 insurance comparison used one consistent driver profile at every carrier:

• 27-year-old male driver, single, in Chicago, IL (ZIP 60601)
• Licensed 11 years, clean record: 0 accidents, 0 violations, no DUI in the past 5 years
• Employed as a software engineer, master’s degree
• Financing the vehicle through Chrysler Capital
• Drives 12,000 miles a year, commutes 28 miles each way
• Prior carrier: Amica Mutual, insured 9 years, no lapse in coverage
• 2022 Ram 1500 Big Horn, primary use is commuting

The Coverage Package

Every 2022 Ram 1500 insurance carrier below was quoted at the same target limits, so the price differences come from underwriting, not coverage:

• Bodily injury liability: 100/300
• Property damage liability: $100,000
• Uninsured/underinsured motorist: Yes
• Collision deductible: $500
• Comprehensive deductible: $500

Illinois only requires drivers to carry 25/50/20 in liability limits, so every quote below reflects coverage well above the state’s legal floor. That matters for a financed truck like this one: a lender almost always requires full coverage, and 25/50/20 wouldn’t come close to protecting the driver’s own assets in a serious crash.

This driver’s lienholder, Chrysler Capital, is a good example of why the coverage package above isn’t optional for a financed vehicle. Lenders typically require comprehensive and collision coverage for the life of the loan, plus proof of insurance on file, so a driver in this exact situation doesn’t really have the option to shop a bare-bones liability-only policy even if the price looks tempting.

CARRIER	6-MONTH PREMIUM	MONTHLY	VS. LOWEST
Progressive	$810.50	$135.08	baseline
GEICO	$858.50	$143.08	+$48.00
American Family	$1,860.00	$310.00	+$1,049.50

Source: InsuranceRateGuard.com quote data, July 2026. Quotes pulled directly from each carrier’s website using the profile above.

Liberty Mutual was also on our list for this profile but didn’t return a quote this round. Its online funnel hit a technical verification wall partway through that our system couldn’t clear. We’ll update this post if we capture a Liberty Mutual quote on a later run.

Progressive Came in Lowest on This Profile

Progressive quoted this 2022 Ram 1500 insurance profile at $810.50 for six months, the lowest of the three carriers tested. The quote matched the target coverage exactly: 100/300 liability, $100,000 property damage, and $500/$500 deductibles.

Progressive doesn’t offer a distinct “Big Horn” trim listing for a 2022 Ram 1500. Its system uses cab, cylinder, and drivetrain combinations instead, so the rating used a crew-cab, six-cylinder configuration as the closest match to this truck. A driver who pays the six-month premium in full, rather than through Progressive’s installment plan, can push the price down further to $768.

GEICO Landed Just $48 Above Progressive

On this 2022 Ram 1500 insurance profile, GEICO quoted $858.50 for six months, only $48 more than Progressive on the same coverage. This is a no-credit-hit estimate: the driver profile behind this quote is synthetic, so it carries no real credit file, and GEICO defaulted to its own baseline scoring rather than pulling an actual credit-based insurance score. A real applicant’s number could land higher or lower depending on their credit.

GEICO also builds its annual mileage estimate from a one-way commute-miles field and a days-per-week field rather than asking for a flat annual figure, so it’s worth checking that GEICO’s mileage bracket actually matches your real commute before you buy.

American Family Quoted More Than Double Progressive’s Price

American Family’s 2022 Ram 1500 insurance quote came in at $1,860 for six months, more than double Progressive’s price on the same target coverage. Getting the underlying vehicle record right took an extra step. American Family’s Model dropdown only lists cab and bed configurations, not trim names, but a separate Series selector then offered an exact Big Horn match, so the final quote does reflect the real trim rather than a substitute.

American Family also defaults every new quote into its DriveMyWay telematics program, which tracks driving habits through a phone app, and this price reflects that program still enrolled. Removing it takes a manual step in the discounts section that’s easy to miss because it sits right next to two discounts most drivers do want to keep. A driver who opts out of DriveMyWay, or drives more cautiously than the program rewards, could see a different number than what’s listed here.

Why 2022 Ram 1500 Insurance Costs So Much in Chicago

Illinois sets its minimum liability requirement at 25/50/20, according to The Zebra, well below the 100/300 limits quoted throughout this comparison. Every carrier here also had to add uninsured and underinsured motorist coverage at matching limits, since Illinois requires that add-on alongside the base liability policy.

That extra coverage isn’t optional in practice. The Insurance Research Council estimates roughly 16.3 percent of Illinois drivers carry no insurance at all, a rate slightly above the national average. Uninsured motorist coverage is what pays this driver’s own medical and repair bills if one of those drivers causes a crash, so skipping it to save a few dollars a month is a real gamble in Illinois specifically.

Location inside the state matters just as much as the state-level rules. MoneyGeek puts full coverage in Chicago at about $146 a month versus $99 statewide, a 47 percent premium for the city, driven by dense traffic, higher accident frequency, and higher vehicle theft rates compared to smaller Illinois cities and towns. NerdWallet’s own numbers tell a similar story from a different angle: about $3,433 a year in Chicago against roughly $2,468 statewide, a 39 percent gap. A ZIP 60601 address downtown sits right in the middle of that higher-cost zone, which is part of why none of the three quotes above come close to Illinois’s statewide average.

Either way, Chicago drivers are paying a real city premium on top of Illinois’s already-below-national-average baseline: MoneyGeek puts the statewide figure at about 20 percent below the national average. Even Progressive’s $135.08-a-month quote on this profile, the cheapest of the three, sits well above that statewide number, and American Family’s $310-a-month quote is more than triple it. The gap shows how much a specific city, vehicle, and driver combination can move a quote away from any statewide average you might see quoted elsewhere.

The truck itself adds cost on top of the location. A 2022 Ram 1500 Big Horn carries a higher replacement value than a compact sedan, and full-size pickups typically cost more to repair after a crash because of larger body panels and pricier parts. That pushes up the comprehensive and collision portions of every quote in this comparison, separate from anything tied to the driver or the ZIP code.

Commute distance plays a smaller but real role too. A 28-mile one-way commute across a metro area the size of Chicago adds meaningful miles to the year, and more time on the road generally means more exposure to a claim. That’s baked into every quote above through the 12,000-mile annual mileage figure this driver profile uses.

How to Save on Insurance

A financed truck like this one isn’t a place to cut corners on coverage — but there’s real money to find without touching the limits that protect it:

1. Ask each carrier exactly how its telematics program works before you accept or decline it. American Family’s DriveMyWay, GEICO’s mileage-based programs, and Progressive’s Snapshot all price differently, and one of them might reward your actual driving habits more than another.
2. Compare the pay-in-full price against the installment plan. Progressive’s pay-in-full option saved $42.50 over its default installment schedule on this exact quote.
3. Re-shop every 12 months, not just at renewal. Rates move often enough that this year’s cheapest carrier isn’t guaranteed to stay the cheapest next year.
4. Raise your deductible if you have savings to cover it. Moving from a $500 to a $1,000 collision deductible usually lowers the premium, though the right amount depends on your emergency fund. Our deductibles guide walks through how to pick a number that fits your budget.
5. Check your credit-based insurance score before you shop. Illinois carriers, like most states, use credit-based scoring in their pricing, and it’s a big reason the two real-credit quotes above could shift once a real applicant’s file is pulled. Our guide to credit scores versus credit-based insurance scores explains the difference and how to improve yours.
6. Compare quotes by vehicle type, not just by carrier. A full-size pickup like the Ram 1500 prices differently than a sedan or SUV on the same policy. Our rates by vehicle type guide breaks down what drives that gap.

Progressive and GEICO landed within $48 of each other; American Family didn’t, mostly because of a telematics program this driver never asked for. On a financed truck where the lender requires full coverage anyway, the $1,049.50 gap here comes down to reading the fine print on what’s switched on by default — not from shopping thinner coverage.

Sources Used

• InsuranceRateGuard.com 2022 Ram 1500 insurance quote data, pulled directly from GEICO, Progressive, and American Family, July 2026
• The Zebra: Illinois Car Insurance Laws
• Insurance Research Council: Uninsured Motorists
• MoneyGeek: Average Car Insurance Cost in Illinois
• NerdWallet: Cheap Car Insurance in Chicago, IL