1. Vehicles
  2. Dodge
  3. Ram Pickup 1500
  4. 2000 Model Year

2000 Dodge Ram Pickup Insurance Rates

Average insurance rates for a 2000 Dodge Ram are $984 a year including full coverage. Comprehensive costs an estimated $160 each year, collision costs $170, and liability costs $484. Buying a liability-only policy costs as little as $540 a year, with high-risk insurance costing around $2,104. Teen drivers receive the highest rates at $4,000 a year or more.

Annual premium for full coverage: $984

Rate estimates for 2000 Dodge Ram Insurance

Comprehensive $160
Collision $170
Liability $484

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 $540 for the bare minimum liability coverage to a high rate of $2,104 for a driver who has had serious violations or accidents.

Liability Only $540
Full Coverage $984
High Risk $2,104

View Chart as Image

2000 Dodge Ram insurance rates compared
Column chart showing 2000 Dodge Ram insurance prices range from $610 to $4,000 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.

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Recommended Companies for Cheap 2000 Dodge Ram Insurance

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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.

Recommended Companies for the Best Insurance Rates

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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:

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

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

Find the Cheapest Quotes in Your Area

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Rates by U.S. City

2000 Dodge Ram Insurance Rates by City
CityPremium
New York City, NY$1,923
Los Angeles, CA$1,659
Philadelphia, PA$1,554
Jacksonville, FL$1,543
Phoenix, AZ$1,380
Chicago, IL$1,318
Houston, TX$1,232
Seattle, WA$1,094
Columbus, OH$840
Indianapolis, IN$796

Find companies with the cheapest rates in your area

Need a specific model?

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Rates by Driver Age

2000 Dodge Ram Insurance Rates by Driver Age
Driver AgePremium
16$4,000
20$2,232
30$996
40$984
50$904
60$884

Full coverage, $500 deductibles

Rates by Deductible

2000 Dodge Ram Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,126
$250$1,062
$500$984
$1,000$908

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$984
50/100$1,081
100/300$1,202
250/500$1,516
100 CSL$1,129
300 CSL$1,395
500 CSL$1,589

Full coverage, driver age 40

Rates for High Risk Drivers

2000 Dodge Ram Insurance Rates for High Risk Drivers
AgePremium
16$5,612
20$3,552
30$2,116
40$2,104
50$2,010
60$1,986

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 $128

Potential Rate Discounts

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

DiscountSavings
Multi-policy$49
Multi-vehicle$52
Homeowner$18
5-yr Accident Free$56
5-yr Claim Free$60
Paid in Full/EFT$33
Advance Quote$41
Online Quote$65
Total Discounts$374
Rate after discounts $610

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

2000 Dodge Ram Insurance Rates by State
StatePremium
Alabama$948
Alaska$810
Arizona$986
Arkansas$998
California$1,106
Colorado$1,024
Connecticut$1,288
Delaware$1,200
Florida$1,330
Georgia$974
Hawaii$1,062
Idaho$686
Illinois$732
Indiana$704
Iowa$740
Kansas$906
Kentucky$1,276
Louisiana$1,598
Maine$674
Maryland$1,012
Massachusetts$868
Michigan$1,810
Minnesota$866
Mississippi$962
Missouri$840
Montana$892
Nebraska$810
Nevada$1,274
New Hampshire$802
New Jersey$982
New Mexico$914
New York$1,282
North Carolina$698
North Dakota$960
Ohio$694
Oklahoma$1,194
Oregon$918
Pennsylvania$1,110
Rhode Island$1,194
South Carolina$918
South Dakota$772
Tennessee$886
Texas$948
Utah$874
Vermont$704
Virginia$710
Washington$868
West Virginia$1,002
Wisconsin$1,006
Wyoming$1,090

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