1. Vehicles
  2. Dodge
  3. Ram Pickup 1500
  4. 2006 Model Year

2006 Dodge Ram Pickup Insurance Rates

Average insurance rates for a 2006 Dodge Ram are $1,184 a year for full coverage insurance. Comprehensive insurance costs an estimated $206 a year, collision insurance costs $258, and liability costs $540. Buying a liability-only policy costs as little as $592 a year, and high-risk insurance costs $2,536 or more. Teenage drivers receive the highest rates at up to $4,714 a year.

Annual premium for full coverage: $1,184

Rate estimates for 2006 Dodge Ram Insurance

Comprehensive $206
Collision $258
Liability $540

Rate data is compiled from all 50 U.S. states and averaged for all 2006 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 the average driver, prices range range from as low as $592 for just liability coverage to a high of $2,536 for a driver that may need high-risk insurance.

Liability Only $592
Full Coverage $1,184
High Risk $2,536

View Chart as Image

2006 Dodge Ram insurance rates compared
Column chart showing 2006 Dodge Ram insurance prices range from $719 to $4,714 for full coverage

These differences illustrate why it is important for drivers to compare rates for a targeted area and risk profile, instead of making a decision based on 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 2006 Dodge Ram Insurance

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Finding the cheapest insurance coverage online can be impossible for consumers not familiar with shopping for insurance online. With so many choices of companies in the marketplace, how can anyone effectively compare them all to find the cheapest rates?

It’s a good habit to compare rates yearly since rates fluctuate regularly. Just because you had the best rates on Ram pickup coverage a couple years back there is a good chance you can find better rates now. Starting right now, forget anything you know (or think you know) about insurance coverage because I’m going to teach you the fastest and easiest way to find lower rates on insurance coverage.

Finding affordable coverage is not that difficult. In a nutshell, anyone who buys insurance coverage will most likely be able to save money. Nevertheless, vehicle owners must comprehend how companies compete online and apply this information to your search.

Discounts to lower 2006 Dodge Ram Pickup 1500 insurance rates

Companies don’t always list every available discount very clearly, so here is a list some of the more common and also the lesser-known auto insurance savings.

Recommended Companies for the Best Insurance Rates

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  • One Accident Forgiven – Some insurance companies will forgive one accident without raising rates if you are claim-free prior to the accident.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • Distant Student – Youth drivers who live away from home and don’t have a car can receive lower rates.
  • Discount for Life Insurance – Larger companies have lower rates if you buy auto and life insurance together.
  • Multiple Policy Discount – If you have multiple policies with the same company you may earn 10% to 20% off each policy.

Consumers should know that some credits don’t apply to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way.

To see a list of providers who offer auto insurance discounts, click this link.

Automobile Insurance Quotes

Most companies like 21st Century, Allstate and State Farm quote pricing on the web. The process is fairly simple as you simply enter your coverage preferences into a form. Once entered, the company’s rating system requests your driving and credit reports and gives you a price quote based on these factors.

Online quotes streamlines rate comparisons, but the time required to go to different websites and fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to compare as many rates as possible in order to get a better rate.

There is an easier way!

A more efficient way to get multiple rate quotes uses one form to get prices from several companies at one time. It saves time, requires much less work on your part, and makes quoting online much more enjoyable and efficient. Immediately after you send the form, it gets priced and you can choose your choice of the quote results. If a lower price is quoted, you can simply submit the application and purchase the new policy. The whole process takes less than 15 minutes and you will know how your current rates stack up.

In order to compare rates now, simply click here to open in new window and complete the simple form. To compare your current rates, we recommend you duplicate coverages and limits identical to your current policy. Doing this guarantees you will get comparison quotes for the exact same coverage.

Tailor your coverage to you

When choosing coverage, there really is not a cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that can help discover if you could use an agent’s help.

  • Do I need an umbrella policy?
  • Why am I required to buy high-risk coverage?
  • Does having multiple vehicles earn me a discount?
  • Is a fancy paint job covered?
  • Who is covered by my policy?
  • Are my friends covered when driving my car?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance 101

Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Comprehensive coverages

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like vandalism, hitting a deer, a broken windshield and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses for nursing services, X-ray expenses and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Auto collision coverage

This will pay to fix damage to your Ram Pickup 1500 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as rolling your car, hitting a mailbox and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability insurance

This coverage provides protection from damages or injuries you inflict on people or other property in an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.

Liability can pay for things such as attorney fees, bail bonds, funeral expenses and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Ram Pickup 1500.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Power to the consumer

Discount 2006 Dodge Ram Pickup 1500 insurance can be purchased both online and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

As you prepare to switch companies, don’t be tempted to buy less coverage just to save a little money. In many cases, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. The ultimate goal is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

People change insurance companies for many reasons like poor customer service, lack of trust in their agent, high rates after DUI convictions or even denial of a claim. It doesn’t matter what your reason, finding a great new company is easier than you think.

Additional insurance information is located on the following sites:

Find the Cheapest Quotes in Your Area

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Rates by U.S. City

2006 Dodge Ram Insurance Rates by City
CityPremium
New York City, NY$1,866
Los Angeles, CA$2,022
Philadelphia, PA$1,576
Jacksonville, FL$1,714
Phoenix, AZ$1,375
Chicago, IL$1,580
Houston, TX$1,851
Seattle, WA$1,147
Columbus, OH$987
Indianapolis, IN$1,006

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Rates by Driver Age

2006 Dodge Ram Insurance Rates by Driver Age
Driver AgePremium
16$4,714
20$2,690
30$1,204
40$1,184
50$1,084
60$1,060

Full coverage, $500 deductibles

Rates by Deductible

2006 Dodge Ram Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,382
$250$1,292
$500$1,184
$1,000$1,076

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,184
50/100$1,292
100/300$1,427
250/500$1,778
100 CSL$1,346
300 CSL$1,643
500 CSL$1,859

Full coverage, driver age 40

Rates for High Risk Drivers

2006 Dodge Ram Insurance Rates for High Risk Drivers
AgePremium
16$6,648
20$4,286
30$2,560
40$2,536
50$2,424
60$2,400

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 $158

Potential Rate Discounts

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

DiscountSavings
Multi-policy$60
Multi-vehicle$63
Homeowner$21
5-yr Accident Free$72
5-yr Claim Free$74
Paid in Full/EFT$43
Advance Quote$52
Online Quote$80
Total Discounts$465
Rate after discounts $719

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

2006 Dodge Ram Insurance Rates by State
StatePremium
Alabama$1,068
Alaska$908
Arizona$982
Arkansas$1,184
California$1,348
Colorado$1,128
Connecticut$1,212
Delaware$1,338
Florida$1,478
Georgia$1,092
Hawaii$848
Idaho$802
Illinois$878
Indiana$890
Iowa$796
Kansas$1,120
Kentucky$1,612
Louisiana$1,750
Maine$728
Maryland$976
Massachusetts$944
Michigan$2,052
Minnesota$990
Mississippi$1,416
Missouri$1,046
Montana$1,268
Nebraska$932
Nevada$1,416
New Hampshire$852
New Jersey$1,322
New Mexico$1,046
New York$1,244
North Carolina$680
North Dakota$968
Ohio$816
Oklahoma$1,212
Oregon$1,082
Pennsylvania$1,126
Rhode Island$1,578
South Carolina$1,072
South Dakota$1,000
Tennessee$1,034
Texas$1,424
Utah$874
Vermont$808
Virginia$708
Washington$910
West Virginia$1,082
Wisconsin$818
Wyoming$1,052

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