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2004 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 24, 2021

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Average insurance rates for a 2004 Dodge Ram are $1,036 a year for full coverage insurance. Comprehensive insurance costs on average $168 a year, collision insurance costs $178, and liability insurance costs $510. Buying a liability-only policy costs as little as $568 a year, and high-risk insurance costs $2,214 or more. Teen drivers receive the highest rates at up to $4,212 a year.

Annual premium for full coverage: $1,036

Rate estimates for 2004 Dodge Ram Insurance

Comprehensive $168
Collision $178
Liability $510

Rate data is compiled from all 50 U.S. states and averaged for all 2004 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 only 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

2004 Dodge Ram insurance rates compared
Column chart showing 2004 Dodge Ram insurance prices range from $643 to $4,212 for full coverage

These differences illustrate 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 2004 Dodge Ram Insurance

Searching Companies

Trying to find the cheapest insurance rates for your Dodge Ram Pickup 1500? Tired of being strong-armed to pay your car insurance bill each month? You are no different than many other consumers. There is such a variety of car insurance companies to choose from, and although it’s nice to have multiple companies, so many choices can make it hard to locate the cheapest rates.

You need to check insurance prices on a regular basis because rates trend upward over time. Even if you got the lowest price on Ram pickup coverage a year ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the easiest way to reduce your cost while improving coverage.

Can you lower rates by qualifying for these six discounts?

Companies offering auto insurance don’t always advertise all their discounts very well, so the following is a list of some of the more common and also the lesser-known discounts you could be receiving. If you don’t get every credit possible, you are paying more than you should be.

  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class if offered at their school.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Student in College – Kids in college who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.

Consumers should know that many deductions do not apply to all coverage premiums. Most cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck.

Older vehicles are generally cheaper to insure, so if you’re not the 1st owner or 2nd owner of a vehicle and instead are the 3rd owner, 4th owner, or even 5th owner, you will not be paying quite as much. Other features like safety featuers and trim levels sometimes affect rates, but it depends on the insurer.

For a list of insurers with the best insurance discounts, click here to view.

Where Can I Get Cheap Insurance Coverage?

Lowering your 2004 Dodge Ram Pickup 1500 insurance coverage rates can be relatively painless. Just invest a few minutes comparing price quotes from different insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

One of the simplest ways to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This form saves time by eliminating separate quotation requests for each company. One form submission gets you coverage quotes from several companies.

A more difficult way to compare prices is to take the time to go to each individual company website to complete their respective quote request forms. For sake of this example, let’s assume you want comparison quotes from Farmers, Safeco and Liberty Mutual. You would have to visit each site to input your insurance information, and that’s why the first method is more popular.

For a list of links to insurance companies in your area, click here.

The least recommended way to compare rates is to drive around to local insurance agencies. Buying insurance online has reduced the need for local agents unless you have a need for the professional guidance only provided by licensed agents. You can, however, obtain prices from the web but still have the advice of a local agent and we’ll talk about that later.

However you get your quotes, ensure you are comparing apples-to-apples information for every company. If you use differing limits it will be impossible to make an equal comparison.

Free Auto Insurance Comparison

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

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How is car insurance is unique?

When it comes to buying coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique and your policy should reflect that. For example, these questions can aid in determining whether you could use an agent’s help.

  • When do I need to add a new car to my policy?
  • Do I need replacement cost coverage on my 2004 Dodge Ram Pickup 1500?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does coverage extend to my business vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I pay less if my vehicle is kept in my garage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How much underlying liability do I need for an umbrella policy?
  • Is upholstery damage covered by car insurance?
  • Does my medical payments coverage pay my health insurance deductible?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

What is up with slick advertising tricks?

Drivers can’t get away from ads that promise big savings from the likes of Progressive, Allstate and GEICO. All the companies make an identical promise that you’ll save big if you change your coverage to them.

But how can every company say the same thing?

Different companies can use profiling for the type of driver that earns them a profit. An example of a desirable insured could be between the ages of 40 and 55, insures multiple vehicles, and has a high credit rating. A driver who fits that profile will qualify for the lowest rates and therefore will save when they switch companies.

Potential insureds who are not a match for the “perfect” profile will be charged more money which usually ends up with business not being written. The ads state “customers who switch” not “people who quote” save money. That’s why companies can state the savings. That is why you need to compare as many rates as you can. It’s impossible to know which company will have the lowest Dodge Ram Pickup 1500 insurance rates.

What are the specifics of your car insurance policy?

Having a good grasp of a car insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types available from car insurance companies.

Liability coverage

This coverage provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.

Liability coverage protects against claims like repair bills for other people’s vehicles, structural damage, court costs and attorney fees. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, fire damage, hitting a bird and rock chips in glass. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2004 Dodge Ram Pickup 1500.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with another moving vehicle, rolling your car, hitting a parking meter, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses such as chiropractic care, X-ray expenses, pain medications and prosthetic devices. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

What is YOUR best insurance company?

We just presented many tips how you can shop for 2004 Dodge Ram Pickup 1500 insurance online. It’s most important to understand that the more you quote, the better your chances of lowering your rates. You may be surprised to find that the most savings is with an unexpected company. They may only write in your state and offer lower rates than the large multi-state companies such as Allstate and Progressive.

Low-cost insurance is attainable from both online companies and also from your neighborhood agents, and you need to price shop both to have the best selection. There are still a few companies who may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

More detailed car insurance information can be found in these articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2004 Dodge Ram Insurance Rates by City
City Premium
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

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2004 Dodge Ram Insurance Rates by Driver Age
Driver Age Premium
16 $4,212
20 $2,354
30 $1,050
40 $1,036
50 $954
60 $934

Full coverage, $500 deductibles

Rates by Deductible

2004 Dodge Ram Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,186
$250 $1,120
$500 $1,036
$1,000 $958

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,036
50/100 $1,138
100/300 $1,266
250/500 $1,597
100 CSL $1,189
300 CSL $1,470
500 CSL $1,674

Full coverage, driver age 40

Rates for High Risk Drivers

2004 Dodge Ram Insurance Rates for High Risk Drivers
Age Premium
16 $5,910
20 $3,738
30 $2,226
40 $2,214
50 $2,118
60 $2,096

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.

Discount Savings
Multi-policy $51
Multi-vehicle $55
Homeowner $19
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.

Find companies with the cheapest rates in your area

2004 Dodge Ram Insurance Rates by State
State Premium
Alabama $936
Alaska $796
Arizona $862
Arkansas $1,036
California $1,182
Colorado $988
Connecticut $1,066
Delaware $1,172
Florida $1,298
Georgia $958
Hawaii $744
Idaho $704
Illinois $772
Indiana $782
Iowa $698
Kansas $984
Kentucky $1,414
Louisiana $1,534
Maine $640
Maryland $856
Massachusetts $826
Michigan $1,798
Minnesota $868
Mississippi $1,242
Missouri $918
Montana $1,114
Nebraska $816
Nevada $1,244
New Hampshire $748
New Jersey $1,160
New Mexico $918
New York $1,092
North Carolina $598
North Dakota $850
Ohio $716
Oklahoma $1,066
Oregon $950
Pennsylvania $986
Rhode Island $1,382
South Carolina $940
South Dakota $874
Tennessee $906
Texas $1,250
Utah $766
Vermont $710
Virginia $622
Washington $800
West Virginia $950
Wisconsin $716
Wyoming $924

Free Auto Insurance Comparison

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