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2000 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: Nov 17, 2021

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Average insurance rates for a 2000 Dodge Ram are $992 a year including full coverage. Comprehensive costs an estimated $150 each year, collision costs $162, and liability costs $500. Buying a liability-only policy costs as little as $560 a year, with high-risk insurance costing around $2,114. Teen drivers receive the highest rates at $4,068 a year or more.

Annual premium for full coverage: $992

Rate estimates for 2000 Dodge Ram Insurance

Comprehensive $150
Collision $162
Liability $500

Rate data is compiled from all 50 U.S. states and averaged for all 2000 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 driver in their 40's, prices range go from as low as $560 for the bare minimum liability coverage to a high rate of $2,114 for a driver who has had serious violations or accidents.

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

View Chart as Image

2000 Dodge Ram insurance rates compared
Column chart showing 2000 Dodge Ram insurance prices range from $618 to $4,068 for full coverage

These differences highlight why all drivers should compare rates for a targeted area 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 2000 Dodge Ram Insurance

Searching Companies

Locating the cheapest insurance for a Dodge Ram Pickup 1500 can be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to compare insurance rates so you’re going to learn the absolute fastest way to price shop coverage for a new or used Dodge and get the lowest price from both online companies and local agents.

You need to shop coverage around periodically because insurance rates change regularly. Despite the fact that you may have had the lowest rates on Ram pickup insurance six months ago other companies may now be cheaper. Forget all the misinformation about insurance because you’re about to learn the fastest way to eliminate unnecessary coverages and save money.

Compare the Market for Insurance

Finding lower insurance rates is a fairly straight forward process. The only requirement is to take time to compare rate quotes from different insurance companies. This can be done in several different ways.

  • One of the best ways to get quotes for comparison is to use a rate comparison form click here to open form in new window. This easy form saves time by eliminating a different quote to each individual insurance company. A single form gets rate comparisons from all major companies. This is perfect if you don’t have a lot of time.
  • A more time consuming way to find lower rates is to manually visit the website of each company to request a price quote. For example, we’ll pretend you want to compare rates from Farmers, Safeco and Travelers. You would have to visit each site to enter your coverage information, which is why the first method is quicker.To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just ensure you’re using the exact same coverage information on every quote. If your comparisons have different values for each quote it’s impossible to make an equal comparison.

Don’t miss out on these money-saving discounts

Companies that sell car insurance don’t always list every available discount in an easy-to-find place, so we researched both well-publicized and the more hidden auto insurance savings. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Multiple Policy Discount – If you insure your home and vehicles with one company you may save 10% to 20% off each policy.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Clubs and Organizations – Participating in a qualifying organization could qualify you for a break when buying auto insurance on Ram pickup insurance.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Defensive Driving Course – Successfully completing a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Resident Student – Kids in college who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Multiple Cars – Buying coverage for all your vehicles on one policy can get a discount on all vehicles.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, auto insurance companies aren’t that generous.

Companies that may offer these money-saving discounts are:

  • Farm Bureau
  • MetLife
  • Progressive
  • AAA
  • American Family
  • GEICO
  • State Farm

Double check with every prospective company which discounts they offer. Some discounts may not be available in your state.

Free Auto Insurance Comparison

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

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Do I need special coverages?

When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that might point out whether you will benefit from professional help.

  • If I drive on a suspended license am I covered?
  • Does my insurance cover a custom paint job?
  • Does my personal policy cover me when driving out-of-state?
  • What is the difference between comprehensive and collision coverage?
  • If my 2000 Dodge Ram Pickup 1500 is totaled, can I afford another vehicle?
  • Should I carry comprehensive and collision coverage?
  • When can I cancel my policy?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Specific coverages for a 2000 Dodge Ram Pickup 1500

Having a good grasp of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Dodge Ram Pickup 1500.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Liability car insurance

This coverage can cover damage that occurs to a person or their property in an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.

Liability can pay for things like loss of income, repair costs for stationary objects, legal defense fees, pain and suffering and medical expenses. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as sideswiping another vehicle, crashing into a building, colliding with another moving vehicle, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, a broken windshield, rock chips in glass and hail damage. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses like doctor visits, ambulance fees, surgery, dental work and chiropractic care. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available 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

2000 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

2000 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

2000 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

2000 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

2000 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

Free Auto Insurance Comparison

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