1. Vehicles
  2. Dodge
  3. Ram Pickup 1500
  4. 2009 Model Year

2009 Dodge Ram Pickup Insurance Rates

Average insurance rates for a 2009 Dodge Ram are $1,266 a year for full coverage. Comprehensive insurance costs approximately $234, collision insurance costs $328, and liability costs around $524. Buying a liability-only policy costs as low as $580 a year, and high-risk insurance costs $2,720 or more. Teen drivers receive the highest rates at up to $4,958 a year.

Annual premium for full coverage: $1,266

Rate estimates for 2009 Dodge Ram Insurance

Comprehensive $234
Collision $328
Liability $524

Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 $580 for basic liability insurance to the much higher price of $2,720 for a high risk driver.

Liability Only $580
Full Coverage $1,266
High Risk $2,720

View Chart as Image

2009 Dodge Ram insurance rates compared
Column chart showing 2009 Dodge Ram insurance prices range from $759 to $4,958 for full coverage

These differences show why everyone should compare prices using their specific location and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

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Recommended Companies for Cheap 2009 Dodge Ram Insurance

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Shoppers have options when shopping for the best price on Dodge Ram Pickup 1500 insurance. They can either waste time driving around to get rate comparisons or leverage the internet to compare rates.

There is a right way and a wrong way to shop for insurance and we’ll show you the absolute fastest way to compare rates on a Dodge and get the best price possible.

If you have a current car insurance policy or need a new policy, you can follow these tips to shop for the lowest rates while maximizing coverage. This article will introduce you to the best way to quote coverages and some tips to save money. Consumers just need to understand the tricks to get comparison rates online.

Do you qualify for a discount?

Car insurance is not cheap, but there could be available discounts that can drop the cost substantially. Some discounts apply automatically when you purchase, but some must be asked about before they will apply. If you’re not getting every credit possible, you’re paying more than you need to.

Recommended Companies for the Best Insurance Rates

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  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Multi-car Discount – Buying coverage for more than one vehicle on the same insurance policy can get a discount on all vehicles.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Low Mileage – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Homeowners Savings – Simply owning a home can help you save on insurance because of the fact that having a home is proof that your finances are in order.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can qualify for discounts up to 30%.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.

It’s important to understand that most credits do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like you could get a free insurance policy, insurance companies aren’t that generous. Any qualifying discounts will reduce your premiums.

Insurance companies that possibly offer some of the above discounts are:

It’s a good idea to ask each company which discounts they offer. Savings may not be available everywhere.

Finding Insurance Coverage Deals

Most companies allow you to get coverage price quotes on the web. The process doesn’t take much effort as you just type in your coverage information into the quote form. When complete, the company’s rating system orders credit information and your driving record and gives you a price quote.

Online price quotes helps simplify price comparisons, but the time it takes to visit several different sites and type in the same information is repetitive and time-consuming. But it’s very important to do this in order to get the lowest insurance coverage rates.

The smarter way to find cheaper rates uses one form that obtains quotes from many companies. This type of form saves time, reduces the work, and makes rate comparisons much easier to do. Immediately after you send the form, it is rated with multiple companies and you can pick your choice of the pricing results.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. The entire process takes just a few minutes to complete and may result in a nice savings.

To quickly find out what other companies charge, simply click here to open in new window and complete the simple form. If you currently have coverage, we recommend you duplicate the coverages as shown on your current policy. This helps ensure you are getting a price comparison using the same coverage and limits.

What coverages do I need?

When buying the best insurance coverage, there really is not a single plan that fits everyone. Every situation is different.

For instance, these questions could help you determine if you could use an agent’s help.

  • Do I need added coverage for expensive stereo equipment?
  • Do I need PIP coverage since I have good health insurance?
  • How much can I save by bundling my policies?
  • Do I need medical payments coverage since I have good health insurance?
  • Does my 2009 Dodge Ram Pickup 1500 need full coverage?
  • Do I pay less for low miles?
  • Should I carry comprehensive and collision coverage?
  • Is pleasure use cheaper than using my 2009 Dodge Ram Pickup 1500 to commute?
  • Should I have combined single limit or split liability limits?
  • Why is insurance for a teen driver so high?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage options for a Dodge Ram Pickup 1500

Learning about specific coverages of your car insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like fire damage, hail damage, damage from getting keyed, a broken windshield and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for chiropractic care, prosthetic devices, nursing services, dental work and hospital visits. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto liability

Liability coverage can cover damage that occurs to other people or property. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like emergency aid, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision coverage covers damage to your Ram Pickup 1500 resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a building, backing into a parked car, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Ram Pickup 1500.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are similar to your liability insurance amounts.

More quotes mean more savings

Insureds switch companies for a variety of reasons including an unsatisfactory settlement offer, delays in responding to claim requests, lack of trust in their agent and even questionable increases in premium. Whatever your reason, choosing a new insurance company can be easier than you think.

As you shop your coverage around, never reduce needed coverages to save money. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

You just read some good ideas how you can get a better price on 2009 Dodge Ram Pickup 1500 insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. Drivers may discover the best prices are with the least-expected company.

Additional detailed information is available in the articles below:

Find the Cheapest Quotes in Your Area

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Rates by U.S. City

2009 Dodge Ram Insurance Rates by City
CityPremium
New York City, NY$1,998
Los Angeles, CA$2,163
Philadelphia, PA$1,686
Jacksonville, FL$1,835
Phoenix, AZ$1,473
Chicago, IL$1,696
Houston, TX$1,981
Seattle, WA$1,230
Columbus, OH$1,058
Indianapolis, IN$1,078

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Rates by Driver Age

2009 Dodge Ram Insurance Rates by Driver Age
Driver AgePremium
16$4,958
20$2,886
30$1,296
40$1,266
50$1,160
60$1,134

Full coverage, $500 deductibles

Rates by Deductible

2009 Dodge Ram Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,508
$250$1,398
$500$1,266
$1,000$1,138

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,266
50/100$1,371
100/300$1,502
250/500$1,842
100 CSL$1,423
300 CSL$1,711
500 CSL$1,921

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Dodge Ram Insurance Rates for High Risk Drivers
AgePremium
16$7,012
20$4,598
30$2,752
40$2,720
50$2,596
60$2,572

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 $170

Potential Rate Discounts

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

DiscountSavings
Multi-policy$65
Multi-vehicle$67
Homeowner$21
5-yr Accident Free$81
5-yr Claim Free$80
Paid in Full/EFT$49
Advance Quote$57
Online Quote$87
Total Discounts$507
Rate after discounts $759

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

2009 Dodge Ram Insurance Rates by State
StatePremium
Alabama$1,142
Alaska$968
Arizona$1,052
Arkansas$1,266
California$1,442
Colorado$1,206
Connecticut$1,300
Delaware$1,432
Florida$1,582
Georgia$1,168
Hawaii$906
Idaho$858
Illinois$942
Indiana$954
Iowa$854
Kansas$1,200
Kentucky$1,724
Louisiana$1,872
Maine$782
Maryland$1,042
Massachusetts$1,010
Michigan$2,196
Minnesota$1,060
Mississippi$1,516
Missouri$1,122
Montana$1,358
Nebraska$998
Nevada$1,518
New Hampshire$912
New Jersey$1,414
New Mexico$1,118
New York$1,332
North Carolina$728
North Dakota$1,036
Ohio$874
Oklahoma$1,298
Oregon$1,158
Pennsylvania$1,204
Rhode Island$1,688
South Carolina$1,148
South Dakota$1,066
Tennessee$1,106
Texas$1,524
Utah$934
Vermont$866
Virginia$756
Washington$976
West Virginia$1,160
Wisconsin$876
Wyoming$1,128

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