1. Vehicles
  2. Dodge
  3. Ram Pickup 1500
  4. 2001 Model Year

2001 Dodge Ram Pickup Insurance Rates

Average insurance rates for a 2001 Dodge Ram are $1,036 a year with full coverage. Comprehensive insurance costs on average $168 a year, collision insurance costs $178, and liability coverage costs around $510. Buying a liability-only policy costs as low as $568 a year, and high-risk insurance costs $2,214 or more. Teenage drivers receive the highest rates at up to $4,212 a year.

Annual premium for full coverage: $1,036

Rate estimates for 2001 Dodge Ram Insurance

Comprehensive $168
Collision $178
Liability $510

Rate data is compiled from all 50 U.S. states and averaged for all 2001 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 middle-aged driver, prices range range from as low as $568 for basic liability insurance to a high of $2,214 for a high risk driver.

Liability Only $568
Full Coverage $1,036
High Risk $2,214

View Chart as Image

2001 Dodge Ram insurance rates compared
Column chart showing 2001 Dodge Ram insurance prices range from $643 to $4,212 for full coverage

These differences demonstrate why it is important for drivers to compare prices based on a specific location and risk profile, rather than using 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.

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Recommended Companies for Cheap 2001 Dodge Ram Insurance

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Searching for lower car insurance rates for your Dodge Ram Pickup 1500? Are you intimidated by the sheer number of car insurance choices? Many other consumers are too. People have so many companies to choose from that it can be more work than you anticipated to find better rates.

It’s important to price shop coverage yearly because prices change quite often. Even if you think you had the best price for Ram pickup coverage six months ago you can probably find a lower rate today. So forget all the misinformation about car insurance because it’s time to teach you how to quote online to properly buy coverages and cut your premium.

Don’t miss out on these seven money-saving discounts

Car insurance companies don’t always list all available discounts very clearly, so we break down both well-publicized as well as the least known discounts you could be receiving.

  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Discount for New Cars – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for Ram pickup coverage than less cautious drivers.
  • Drivers Ed for Students – Have your child enroll in driver’s education if it’s offered in school.
  • College Student – Youth drivers who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Defensive Driver – Taking a course teaching defensive driving skills could save 5% or more if your company offers it.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Dodge could be rewarded with better rates on cars that stay parked.

Consumers should know that some of the credits will not apply the whole policy. Most only reduce specific coverage prices like liability and collision coverage. So when it seems like you could get a free insurance coverage policy, you won’t be that lucky.

Recommended Companies for the Best Insurance Rates

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A partial list of companies that may offer some of the above discounts are:

Check with each company which discounts you may be entitled to. Discounts might not be offered in every state.

Low Cost Auto Insurance

Most major insurance companies like Progressive, Allstate and GEICO provide coverage prices on the web. Getting online quotes doesn’t take a lot of time as you simply type in the amount of coverage you want into the quote form. Behind the scenes, their rating system will obtain your driving and credit reports and provides a quote based on many factors.

Quoting online simplifies rate comparisons, but the time required to go to many different websites and type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to compare as many rates as possible if you want to find the lowest possible prices on auto insurance.

The smarter way to find cheaper rates uses one simple form to obtain quotes from a bunch of companies at once. It’s a real time-saver, requires much less work on your part, and makes online quotes much more enjoyable. After sending the form, it is rated and you are able to buy any of the resulting price quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. This process takes less than 15 minutes and may result in a nice savings.

In order to compare rates now, simply click here to open in new window and fill out the form. If you currently have coverage, we recommend you complete the form with the coverages identical to your current policy. This ensures you’re receiving rate comparison quotes for similar insurance coverage.

Do I need special coverages?

When choosing adequate coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions can help discover whether you could use an agent’s help.

  • If I drive on a suspended license am I covered?
  • Does coverage extend to Mexico or Canada?
  • What if I total my 2001 Dodge Ram Pickup 1500 and owe more than it’s worth?
  • Do I need higher collision deductibles?
  • Am I covered by my spouse’s policy after a separation?
  • How high should my medical payments coverage be?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Exactly who is provided coverage by my policy?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Don’t listen to company ads

Companies like Progressive, Allstate and GEICO constantly bombard you with ads in print and on television. All the ads have a common claim that you’ll save big if you switch to their company. How do they all make almost identical claims? This is how they do it.

All the different companies have a preferred profile for the type of driver that makes them money. For example, a desirable insured could possibly be over the age of 40, a clean driving record, and has a short commute. Any new insured that hits that “sweet spot” is entitled to the best price and therefore will save when they switch companies.

Potential customers who fall outside the requirements will have to pay higher prices and ends up with the customer not buying. The ads say “customers who switch” not “everybody who quotes” save that kind of money. This is how companies can advertise the way they do. Because of the profiling, drivers should get a wide range of price quotes. It’s impossible to know the company that will have the lowest Dodge Ram Pickup 1500 insurance rates.

Insurance coverages 101

Understanding the coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills for chiropractic care, funeral costs, X-ray expenses and surgery. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible


Liability coverage protects you from injuries or damage you cause to a person or their property. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as medical expenses, structural damage and pain and suffering. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, vandalism, damage from flooding, damage from getting keyed and hail damage. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

Collision coverage will pay to fix damage to your Ram Pickup 1500 from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, scraping a guard rail, rolling your car, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred 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 is a good idea.

Final considerations

Insureds who switch companies do it for many reasons like denial of a claim, high rates after DUI convictions, extreme rates for teen drivers and delays in paying claims. Regardless of your reason, switching companies is not as difficult as it may seem.

Low-cost 2001 Dodge Ram Pickup 1500 insurance can be found from both online companies and also from your neighborhood agents, and you should be comparing both to have the best selection. Some auto insurance companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

We just presented quite a bit of information on how to lower your insurance rates. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a smaller regional carrier.

Additional detailed information can be read in these articles:

Find the Cheapest Quotes in Your Area

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Rates by U.S. City

2001 Dodge Ram Insurance Rates by City
New York City, NY$1,638
Los Angeles, CA$1,773
Philadelphia, PA$1,380
Jacksonville, FL$1,506
Phoenix, AZ$1,207
Chicago, IL$1,390
Houston, TX$1,625
Seattle, WA$1,008
Columbus, OH$866
Indianapolis, IN$884

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Rates by Driver Age

2001 Dodge Ram Insurance Rates by Driver Age
Driver AgePremium

Full coverage, $500 deductibles

Rates by Deductible

2001 Dodge Ram Insurance Rates with Different Deductibles

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
Liability LimitPremium
100 CSL$1,189
300 CSL$1,470
500 CSL$1,674

Full coverage, driver age 40

Rates for High Risk Drivers

2001 Dodge Ram Insurance Rates for High Risk Drivers

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 $134

Potential Rate Discounts

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

5-yr Accident Free$59
5-yr Claim Free$63
Paid in Full/EFT$35
Advance Quote$43
Online Quote$68
Total Discounts$393
Rate after discounts $643

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

2001 Dodge Ram Insurance Rates by State
New Hampshire$748
New Jersey$1,160
New Mexico$918
New York$1,092
North Carolina$598
North Dakota$850
Rhode Island$1,382
South Carolina$940
South Dakota$874
West Virginia$950

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