1. Vehicles
  2. Dodge
  3. Ram Pickup 1500
  4. 2002 Model Year

2002 Dodge Ram Pickup Insurance Rates

Average insurance rates for a 2002 Dodge Ram are $1,060 a year with full coverage. Comprehensive costs approximately $172, collision costs $188, and liability costs around $520. Buying a liability-only policy costs as low as $576 a year, with high-risk insurance costing around $2,264. Teenage drivers receive the highest rates at $4,296 a year or more.

Annual premium for full coverage: $1,060

Rate estimates for 2002 Dodge Ram Insurance

Comprehensive $172
Collision $188
Liability $520

Rate data is compiled from all 50 U.S. states and averaged for all 2002 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 go from as low as $576 for only liability insurance to a much higher rate of $2,264 for high-risk insurance.

Liability Only $576
Full Coverage $1,060
High Risk $2,264

View Chart as Image

2002 Dodge Ram insurance rates compared
Column chart showing 2002 Dodge Ram insurance prices range from $656 to $4,296 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of using average rates.

Use the form below to get rates for your location.

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Recommended Companies for Cheap 2002 Dodge Ram Insurance

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Are you a victim of an overpriced car insurance policy? Believe me when I say you’re not alone.

Many car insurance companies compete to insure your vehicles, so it can be very hard to choose a insurance company and uncover the absolute cheapest price

If you have car insurance now, you stand a good chance to be able to cut costs considerably using this information. Buying car insurance is not that difficult. Nevertheless, car owners benefit from understanding the way insurance companies market insurance on the web.

Compare the Market for Insurance

Performing a rate comparison can be exhausting if you don’t understand the fastest way to get free quotes. You could waste a few hours driving to insurance companies in your area, or you could use the web to get rates in a matter of minutes.

Recommended Companies for the Best Insurance Rates

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Many companies enroll in a system that allows shoppers to submit their information once, and every company returns a rated price determined by their information. This system prevents you from having to do repetitive form submissions for every insurance company. To compare 2002 Dodge Ram Pickup 1500 rates now click to open in new window.

The only downside to pricing coverage this way is that consumers can’t choose which providers you want to price. So if you want to choose specific providers for rate comparison, we have assembled a list of insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using apples-to-apples coverages and limits for every quote you compare. If your comparisons have different liability limits then you won’t be able to decipher which rate is best. Slightly different coverage limits could mean much higher rates. Keep in mind that getting more free quotes gives you a better chance of getting the best price.

Cut your premium with discounts

Companies offering auto insurance don’t always advertise every available discount very clearly, so we took the time to find both well-publicized as well as the least known savings tricks you should be using.

  • Homeowners Pay Less – Owning a house can save you money because of the fact that having a home requires personal responsibility.
  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on Ram pickup coverage than drivers with accident claims.
  • Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get a small decrease in premiums on Ram pickup coverage.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • College Student – Any of your kids who are attending college and do not have a car may be able to be covered for less.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.

Drivers should understand that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way.

For a list of insurers offering insurance discounts, follow this link.

What is the best insurance coverage?

When buying coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For example, these questions might help in determining if your situation would benefit from an agent’s advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need replacement cost coverage?
  • Is my teen driver covered when they drive my company car?
  • How do I buy GAP insurance?
  • Do I need more liability coverage?
  • What is an SR-22 filing?
  • Will filing a claim cost me more?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Car insurance coverages for a Dodge Ram Pickup 1500

Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, falling objects, rock chips in glass, hail damage and damage from a tornado or hurricane. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages

This will cover damage that occurs to other people or property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for 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. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like pain and suffering, attorney fees, repair bills for other people’s vehicles, emergency aid and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverage

Collision coverage covers damage to your Ram Pickup 1500 caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with a tree, colliding with another moving vehicle, hitting a parking meter, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This 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.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses such as dental work, X-ray expenses and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Find the Cheapest Quotes in Your Area

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Rates by U.S. City

2002 Dodge Ram Insurance Rates by City
New York City, NY$1,674
Los Angeles, CA$1,809
Philadelphia, PA$1,411
Jacksonville, FL$1,536
Phoenix, AZ$1,232
Chicago, IL$1,418
Houston, TX$1,656
Seattle, WA$1,028
Columbus, OH$883
Indianapolis, IN$904

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Rates by Driver Age

2002 Dodge Ram Insurance Rates by Driver Age
Driver AgePremium

Full coverage, $500 deductibles

Rates by Deductible

2002 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$1,216
300 CSL$1,502
500 CSL$1,710

Full coverage, driver age 40

Rates for High Risk Drivers

2002 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 $138

Potential Rate Discounts

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

5-yr Accident Free$61
5-yr Claim Free$65
Paid in Full/EFT$36
Advance Quote$44
Online Quote$70
Total Discounts$404
Rate after discounts $656

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

2002 Dodge Ram Insurance Rates by State
New Hampshire$764
New Jersey$1,184
New Mexico$936
New York$1,116
North Carolina$610
North Dakota$868
Rhode Island$1,412
South Carolina$960
South Dakota$892
West Virginia$970

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