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1994 Dodge Ram Pickup Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 27, 2020

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Average insurance rates for a 1994 Dodge Ram are $992 a year for full coverage insurance. Comprehensive costs an estimated $150 a year, collision insurance costs $162, and liability costs $500. Buying a liability-only policy costs as little as $560 a year, and high-risk insurance costs around $2,114. Teenage drivers receive the highest rates at up to $4,068 a year.

Annual premium for full coverage: $992

Rate estimates for 1994 Dodge Ram Insurance

Comprehensive $150
Collision $162
Liability $500

Rate data is compiled from all 50 U.S. states and averaged for all 1994 Dodge Ram models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $560 for only liability insurance to a high of $2,114 for high-risk insurance.

Liability Only $560
Full Coverage $992
High Risk $2,114

View Chart as Image

1994 Dodge Ram insurance rates compared
Column chart showing 1994 Dodge Ram insurance prices range from $618 to $4,068 for full coverage

These differences illustrate why it is important for drivers to compare rates for a targeted area and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1994 Dodge Ram Insurance

Searching Companies

Looking for lower insurance rates for your Dodge Ram Pickup 1500? Are you confused by the wide range of insurance options? You’re not alone. Consumers have so many options available that it can be a real hassle to find the best price.

It’s important to compare rates periodically due to the fact that insurance rates are variable and change quite frequently. Even if you got the best price on Ram pickup insurance a couple years back you will most likely find a better rate today. There is a lot of bad information regarding insurance on the web, but by reading this article, you’re going to learn some guaranteed methods to save money.

Finding the best rates is quite easy. If you currently have a car insurance policy, you will be able to save some money using this strategy. But drivers need to learn how insurance companies compete online and use this information to your advantage.

How to Get Auto Insurance

There are several ways of comparing rate quotes from auto insurance companies in your area. The best way to compare 1994 Dodge Ram Pickup 1500 insurance prices is to perform an online rate comparison. It is quite easy and can be accomplished in several different ways.

One of the simplest ways to get quotes is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for separate quote forms for each company. A single form gets rate comparisons direct from many companies. It’s the fastest way to compare.

A more time consuming way to analyze rates requires a trip to the website of each company to complete a price quote. For example, we’ll assume you want comparison quotes from GEICO, Liberty Mutual and State Farm. To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is quicker.

For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but make absolute certain that you use apples-to-apples coverage information for every quote you compare. If the quotes have different liability limits it’s impossible to make an equal comparison. Quoting even small variations in insurance coverages could mean much higher rates. Keep in mind that getting more free quotes helps you find the best rates.

Free Auto Insurance Comparison

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What is the best insurance coverage?

When choosing coverage for your vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine if you would benefit from professional advice.

  • Am I better off with higher deductibles on my 1994 Dodge Ram Pickup 1500?
  • I have health insurance so do I need medical payments coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Should I carry comprehensive and collision coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does my insurance cover a custom paint job?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Auto insurance 101

Knowing the specifics of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Collision coverages – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as damaging your car on a curb, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Dodge Ram Pickup 1500.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like vandalism, damage from flooding, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for liability – Liability coverage can cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as emergency aid, bail bonds, funeral expenses and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like EMT expenses, X-ray expenses and prosthetic devices. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1994 Dodge Ram Insurance Rates by City
City Premium
New York City, NY $1,563
Los Angeles, CA $1,692
Philadelphia, PA $1,319
Jacksonville, FL $1,436
Phoenix, AZ $1,151
Chicago, IL $1,325
Houston, TX $1,550
Seattle, WA $963
Columbus, OH $825
Indianapolis, IN $843

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1994 Dodge Ram Insurance Rates by Driver Age
Driver Age Premium
16 $4,068
20 $2,252
30 $1,000
40 $992
50 $912
60 $892

Full coverage, $500 deductibles

Rates by Deductible

1994 Dodge Ram Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,122
$250 $1,064
$500 $992
$1,000 $920

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $992
50/100 $1,092
100/300 $1,217
250/500 $1,542
100 CSL $1,142
300 CSL $1,417
500 CSL $1,617

Full coverage, driver age 40

Rates for High Risk Drivers

1994 Dodge Ram Insurance Rates for High Risk Drivers
Age Premium
16 $5,700
20 $3,582
30 $2,126
40 $2,114
50 $2,022
60 $2,002

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $129

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $49
Multi-vehicle $53
Homeowner $18
5-yr Accident Free $56
5-yr Claim Free $60
Paid in Full/EFT $32
Advance Quote $41
Online Quote $65
Total Discounts $374
Rate after discounts $618

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

1994 Dodge Ram Insurance Rates by State
State Premium
Alabama $894
Alaska $760
Arizona $822
Arkansas $992
California $1,128
Colorado $944
Connecticut $1,018
Delaware $1,120
Florida $1,238
Georgia $916
Hawaii $708
Idaho $670
Illinois $736
Indiana $746
Iowa $668
Kansas $940
Kentucky $1,350
Louisiana $1,466
Maine $612
Maryland $816
Massachusetts $792
Michigan $1,716
Minnesota $828
Mississippi $1,186
Missouri $878
Montana $1,064
Nebraska $782
Nevada $1,188
New Hampshire $714
New Jersey $1,106
New Mexico $874
New York $1,042
North Carolina $570
North Dakota $812
Ohio $682
Oklahoma $1,014
Oregon $906
Pennsylvania $942
Rhode Island $1,320
South Carolina $896
South Dakota $836
Tennessee $866
Texas $1,192
Utah $732
Vermont $678
Virginia $592
Washington $764
West Virginia $906
Wisconsin $686
Wyoming $882

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