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2003 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 29, 2021

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Average insurance rates for a 2003 Dodge Ram are $1,008 a year for full coverage. Comprehensive costs on average $154 a year, collision costs $170, and liability insurance costs $504. Buying a liability-only policy costs as little as $564 a year, with high-risk insurance costing around $2,156. Teen drivers receive the highest rates at $4,134 a year or more.

Annual premium for full coverage: $1,008

Rate estimates for 2003 Dodge Ram Insurance

Comprehensive $154
Collision $170
Liability $504

Rate data is compiled from all 50 U.S. states and averaged for all 2003 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 $564 for basic liability insurance to a high of $2,156 for high-risk insurance.

Liability Only $564
Full Coverage $1,008
High Risk $2,156

View Chart as Image

2003 Dodge Ram insurance rates compared
Column chart showing 2003 Dodge Ram insurance prices range from $626 to $4,134 for full coverage

These differences show why it is important for drivers to compare rates based on a specific location and risk profile, rather than relying on 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 2003 Dodge Ram Insurance

Searching Companies

People new to comparing insurance rates online can find finding affordable insurance coverage quite challenging.

If you have car insurance now, you will be able to reduce your rates substantially using this strategy. This article will let you in on how car insurance quotes work. Although consumers benefit from understanding the way insurance companies sell online and apply this information to your search.

Don’t overlook these discounts

Insurance can cost an arm and a leg, but there could be available discounts to help offset the cost. Most are applied at quote time, but lesser-known reductions have to be inquired about before they will apply.

  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% on Ram pickup insurance with select insurance companies.
  • Early Signing – Select companies give a discount for buying a policy prior to your current policy expiration. This can save 10% or more.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
  • Resident Student – Youth drivers who live away from home and don’t have a car may qualify for this discount.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Homeowners Savings – Owning a house can help you save on car insurance because owning a home shows financial diligence.

Drivers should understand that most credits do not apply to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts will cut the amount you have to pay.

A partial list of companies that possibly offer these discounts may include but are not limited to:

  • American Family
  • Nationwide
  • MetLife
  • 21st Century
  • Farmers Insurance
  • Allstate

Double check with each insurance company what discounts are available to you. Savings might not be offered in your state.

The quickest way to get policy rate comparisons takes advantage of the fact auto insurance companies participate in online systems to give you rate quotes. To start a quote, the only thing you need to do is provide details including distance driven, how much coverage you want, your occupation, and if it has an anti-theft system. Your rating data is instantly submitted to many highly-rated insurers and they return rate quotes very quickly.

Some factors that can determine what Dodge Ram Pickup 1500 insurance costs

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Understanding what controls the rates you pay allows you to make educated decisions that could result in better auto insurance rates.

The following are a few of the “ingredients” companies use to determine premiums.

  • Marriage brings a discount – Having a wife or husband can get you a discount when buying auto insurance. Having a spouse means you’re more mature and responsible and statistics show married drivers get in fewer accidents.
  • You might want pay the small claims yourself – Companies provide discounts to drivers who are claim-free. If you frequently file small claims, you can pretty much guarantee higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Cautious drivers pay less – Even one ticket can boost insurance rates by twenty percent. Careful drivers have lower premiums compared to drivers with tickets. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with the DMV in their state in order to keep their license.
  • Your job and insurance rates – Occupations such as doctors, social workers and accountants tend to have higher rates than average in part from job stress and lengthy work days. On the flip side, professions such as actors, athletes and retirees receive lower rates on Ram pickup insurance.
  • Older drivers save more – Teenage drivers tend to be less responsible behind the wheel so auto insurance rates are higher. Having to add a teen driver to your policy can really hurt. Older drivers tend to be more responsible, tend to cause fewer accidents and tend to be better behind the wheel.

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Is my situation unique?

When choosing the best insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

  • Am I covered if I wreck a rental car?
  • Does my insurance cover my expensive audio equipment?
  • Does insurance cover tools stolen from my truck?
  • Does my policy pay for OEM or aftermarket parts?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my dog or cat covered if injured in an accident?
  • Does my 2003 Dodge Ram Pickup 1500 qualify for pleasure use?
  • Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

The insurance bait and switch

Insurance providers like Allstate, GEICO and Progressive consistently run television and radio advertisements. They all have a common claim that you’ll save big if you change to them. But how can every company claim to save you money? It’s all in the numbers.

Insurance companies have a certain “appetite” for the type of customer that is profitable for them. An example of a preferred risk might be between 30 and 50, insures multiple vehicles, and drives newer vehicles. A driver who fits that profile will get very good rates and most likely will save quite a bit of money when switching.

Consumers who do not match the “perfect” profile must pay higher rates which usually ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “people who quote” save money. That is how companies can claim big savings.

This illustrates why you absolutely need to get as many comparisons as possible. It’s impossible to know which company will fit your personal profile best.

Car insurance coverage information

Learning about specific coverages of insurance can help you determine appropriate coverage for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a broken windshield, hail damage, damage from a tornado or hurricane and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage 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 is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as rehabilitation expenses, hospital visits, EMT expenses and pain medications. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Auto liability insurance

Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as funeral expenses, attorney fees and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a ditch, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Spend less. Save more.

As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. There are too many instances where an insured dropped liability limits or collision coverage and found out when filing a claim that it was a big mistake. The aim is to buy enough coverage at the best price while still protecting your assets.

People who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, policy cancellation, extreme rates for teen drivers or delays in responding to claim requests. Regardless of your reason for switching companies, switching car insurance companies can be easy and end up saving you some money.

You just learned quite a bit of information on how to reduce 2003 Dodge Ram Pickup 1500 insurance prices online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from a small mutual company.

Other learning opportunities

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2003 Dodge Ram Insurance Rates by City
City Premium
New York City, NY $1,596
Los Angeles, CA $1,725
Philadelphia, PA $1,347
Jacksonville, FL $1,464
Phoenix, AZ $1,173
Chicago, IL $1,350
Houston, TX $1,578
Seattle, WA $983
Columbus, OH $842
Indianapolis, IN $859

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2003 Dodge Ram Insurance Rates by Driver Age
Driver Age Premium
16 $4,134
20 $2,296
30 $1,018
40 $1,008
50 $928
60 $908

Full coverage, $500 deductibles

Rates by Deductible

2003 Dodge Ram Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,148
$250 $1,086
$500 $1,008
$1,000 $934

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,008
50/100 $1,109
100/300 $1,235
250/500 $1,562
100 CSL $1,159
300 CSL $1,436
500 CSL $1,638

Full coverage, driver age 40

Rates for High Risk Drivers

2003 Dodge Ram Insurance Rates for High Risk Drivers
Age Premium
16 $5,798
20 $3,652
30 $2,170
40 $2,156
50 $2,064
60 $2,042

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 $131

Potential Rate Discounts

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

Discount Savings
Multi-policy $50
Multi-vehicle $54
Homeowner $18
5-yr Accident Free $57
5-yr Claim Free $62
Paid in Full/EFT $33
Advance Quote $42
Online Quote $66
Total Discounts $382
Rate after discounts $626

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

Find companies with the cheapest rates in your area

2003 Dodge Ram Insurance Rates by State
State Premium
Alabama $912
Alaska $774
Arizona $838
Arkansas $1,008
California $1,150
Colorado $962
Connecticut $1,034
Delaware $1,142
Florida $1,262
Georgia $932
Hawaii $724
Idaho $684
Illinois $750
Indiana $760
Iowa $680
Kansas $958
Kentucky $1,374
Louisiana $1,494
Maine $624
Maryland $832
Massachusetts $806
Michigan $1,750
Minnesota $844
Mississippi $1,210
Missouri $896
Montana $1,082
Nebraska $796
Nevada $1,212
New Hampshire $728
New Jersey $1,128
New Mexico $892
New York $1,064
North Carolina $582
North Dakota $828
Ohio $696
Oklahoma $1,034
Oregon $924
Pennsylvania $962
Rhode Island $1,346
South Carolina $916
South Dakota $852
Tennessee $882
Texas $1,214
Utah $746
Vermont $692
Virginia $602
Washington $780
West Virginia $924
Wisconsin $700
Wyoming $900

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