Ram 1500 truck on mountain highway at blue hour, headlights cutting through mist, chrome grille reflecting navy sky
Ram Specialist1500 · 2500 · 3500 · ProMaster · TRX

Insurance
Engineered
for Your Ram.

Coverage built around the truck you actually drive — from the dealer lot to the DOT authority. Not a national policy with your VIN pasted in.

847+Ram owners covered
$2,340avg annual savings
All 50states licensed
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01 / Model Selection

Which Ram are you
protecting?

Coverage tiers, pricing, and required filings are different for every Ram. Select your model and we surface exactly what applies to you.

02 / Coverage Explorer

Build your
coverage stack.

Select your Ram model above

Coverage tiers and pricing are specific to your model and use case.

03 / Why Shield

The numbers that
should keep you up at night.

The trucking insurance market is getting harder. Nuclear verdicts, repair inflation, and regulatory complexity hit Ram operators hardest. Here's what you're actually facing — and what we do about it.

$11,284
Industry avg hotshot premium/yr
$7,940Shield avg with clean record
135
Nuclear verdicts in 2024
+52% over 2023 · $31.3B total
40–100%
More paid by new authority ops
24-moRate lock for new authority
20%
Avg savings with dashcam + telematics
Forward-facing cam + ELD
Risk Factor Breakdown2024 data
Nuclear verdict exposure85%
Avg jury award $10M+, 52% increase in 2024
Repair cost inflation72%
Sensors + electronics: simple fender-bender = $25k+
New authority premium spike90%
40–100% more until 3 years clean operation
Personal policy void risk95%
Hauling for hire = personal policy void immediately
Cargo theft interstate60%
Mountain corridors and overnight stops
Regulatory Filings We Handle
USDOT
Number registration for interstate freight operations
Required: All commercial
BOC-3
Process agent filing with FMCSA for interstate ops
Required: Interstate
BMC-91
Proof of liability insurance filed with FMCSA
Required: For-hire
MCS-90
Endorsement guaranteeing payment for BI/PD
Required: All DOT
ELD
Electronic logging device discount for post-2000 trucks
Required: Interstate
Ram Owners · On The Record

"I was paying $14,200 a year with a national carrier for my 3500 dually under DOT authority. Shield got me to $8,800 with all the same FMCSA filings handled. That's a truck payment I got back."

Marcus Delgado, Hispanic man in his 40s wearing a work shirt, owner-operator trucker
Marcus Delgado
Hotshot Owner-Operator · Ram 3500 Dually · Texas
$5,400/yr saved

"My Cummins 2500 is how I run the ranch and haul calves to market. No one else would write a mixed-use policy that made sense. Shield built one from scratch for my exact situation."

Connie Brandt, woman rancher in her 50s outdoors, ranch background
Connie Brandt
Rancher · Ram 2500 Cummins · Montana
Custom mixed-use policy

"Rolled off the lot in a Laramie and my old insurer quoted me $3,100 a year. Shield had me at $1,640 with better liability limits. I didn't know boutique meant cheaper."

Devon Whitaker, young Black man in his late 20s, new Ram truck owner
Devon Whitaker
Ram 1500 Laramie · Personal Use · Colorado
$1,460/yr saved
04 / Rate Lock

Stop renting coverage
that wasn't built for your Ram.

15-minute phone call. We quote your exact model, use case, and authority status. No forms, no waiting, no national carrier pricing.

Lock In My Rate

Book a 15-minute phone slot. We'll quote your Ram on the call — model year, trim, use case, authority status.

15-min calls only
Same-day callback
No obligation
All 50 states
Text Me a Quote

Just your phone number and Ram model. We'll text you a ballpark within 2 hours. No call required.

By texting, you agree to receive SMS from Shield. Reply STOP to opt out. Message & data rates may apply.

Ram selected