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1995 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 1995 Dodge Ram are $992 a year for full coverage. Comprehensive insurance costs on average $150 each 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 $2,114 or more. Teen drivers receive the highest rates at up to $4,068 a year.

Annual premium for full coverage: $992

Rate estimates for 1995 Dodge Ram Insurance

Comprehensive $150
Collision $162
Liability $500

Rate data is compiled from all 50 U.S. states and averaged for all 1995 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 the average driver, prices range range from as low as $560 for only liability insurance to a high rate of $2,114 for a driver that may need high-risk insurance.

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

View Chart as Image

1995 Dodge Ram insurance rates compared
Column chart showing 1995 Dodge Ram insurance prices range from $618 to $4,068 for full coverage

These differences show why all drivers should compare rates based on a specific location and risk profile, instead of using price averages.

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 1995 Dodge Ram Insurance

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Paying for high-priced Dodge Ram Pickup 1500 insurance can dwindle your savings account and put a big crunch on your finances. Comparison shopping is a great way to reduce premiums and put more money in your pocket. Drivers have multiple insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, lots of choices makes it harder to find a good deal.

Consumers should take time to check car insurance prices occasionally due to the fact that insurance rates go up and down regularly. If you had the lowest rates for Ram pickup insurance two years ago you can probably find a better price now. Ignore everything you know about car insurance because we’re going to demonstrate the proper way to find great coverage at a great price.

Discounts are available to cut your rates

Properly insuring your vehicles can get expensive, but you can get discounts that many people don’t even know exist. Some discounts apply automatically when you complete an application, but some may not be applied and must be manually applied before you get the savings. If you don’t get every credit possible, you’re just leaving money on the table.

  • Save with a New Car – Insuring a new car can save up to 30% compared to insuring an older model.
  • Low Mileage Discounts – Keeping the miles down on your Dodge can earn discounted rates on garaged vehicles.
  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Club Memberships – Belonging to certain professional organizations could qualify you for a break on your policy for Ram pickup insurance.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Ram pickup insurance than their less cautious counterparts.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount will help reduce the amount you have to pay.

Companies that may offer these discounts are:

Before buying, ask all companies you are considering how you can save money. Discounts may not be available in your state.

How to Get Auto Insurance Comparison Quotes

Getting better 1995 Dodge Ram Pickup 1500 auto insurance pricing is not a difficult process. All you need to do is take the time comparing rates online from several insurance companies. This can be done in just a few minutes using one of these methods.

The easiest and least time consuming way to get quotes is a comparison rater form click here to open form in new window. This type of form keeps you from doing multiple quote forms for every auto insurance company. In just a few minutes this one form compares rates instantly.

A less efficient way to compare rate quotes is to manually visit each individual company website to request a price quote. For sake of this example, let’s say you want to compare Progressive, Liberty Mutual and American Family. You would have to visit each site and enter your policy data, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

The least recommended way of getting rate comparisons is driving around to different agent offices. The internet can eliminate the need for a local agent unless you prefer the professional guidance of a licensed agent. You can, however, obtain prices from the web but still have the advice of a local agent and we’ll touch on that later.

Whichever method you choose, double check that you are using exactly the same deductibles and coverage limits with every price quote. If you compare mixed coverages you will not be able to determine which rate is truly the best.

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Everyone needs different coverages

When it comes to choosing proper insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can help discover if your situation might need professional guidance.

  • Do I need an umbrella policy?
  • Why am I required to buy high-risk coverage?
  • Should I buy full coverage?
  • How do I buy GAP insurance?
  • Is a fancy paint job covered?
  • Am I covered if I drive in a foreign country?
  • How high should my medical payments coverage be?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered when driving on a suspended license?
  • Will I be non-renewed for getting a DUI or other conviction?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Insurance coverage basics

Having a good grasp of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types available from insurance companies.

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, hitting a bird, a broken windshield, damage from flooding and falling objects. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as EMT expenses, nursing services, surgery, rehabilitation expenses and X-ray expenses. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Dodge Ram Pickup 1500.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Auto liability insurance

This coverage can cover damage that occurs to people or other property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like structural damage, funeral expenses, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, colliding with another moving vehicle, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

More quotes mean more savings

Cheap 1995 Dodge Ram Pickup 1500 insurance can be purchased both online and with local insurance agents, and you should be comparing both to have the best rate selection. A few companies do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

We covered many ways to reduce insurance prices online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with an unexpected company. Some small companies may only write in your state and offer lower rates compared to the large companies like Allstate, GEICO and Progressive.

To read more, feel free to browse these articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1995 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?

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Rates by Driver Age

1995 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

1995 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

1995 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

1995 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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