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2012 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...

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UPDATED: Apr 9, 2020

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Average insurance rates for a 2012 Dodge Ram are $1,338 a year for full coverage. Comprehensive insurance costs around $258, collision insurance costs $380, and liability coverage costs around $520. Buying a liability-only policy costs as low as $576 a year, and high-risk insurance costs $2,878 or more. Teenage drivers receive the highest rates at up to $5,178 a year.

Annual premium for full coverage: $1,338

Rate estimates for 2012 Dodge Ram Insurance

Comprehensive $258
Collision $380
Liability $520

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 driver in their 40's, prices range range from as low as $576 for just liability coverage to a much higher rate of $2,878 for a driver who has had serious violations or accidents.

Liability Only $576
Full Coverage $1,338
High Risk $2,878

View Chart as Image

2012 Dodge Ram insurance rates compared
Column chart showing 2012 Dodge Ram insurance prices range from $794 to $5,178 for full coverage

These differences show why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than using 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.

Recommended Companies for Cheap 2012 Dodge Ram Insurance

Searching Companies

Trying to find the cheapest insurance rates for your Dodge Ram Pickup 1500? Searching for the cheapest insurance for a new or used Dodge Ram Pickup 1500 can turn out to be an all-consuming task, but you can learn our insurance buying tips to save time.

There are more efficient ways to buy insurance so we’re going to tell you the proper way to price shop coverage for your Dodge and locate the best price possible from both online companies and local agents.

It is always a good idea to quote other rates once or twice a year since rates go up and down regularly. If you had the best rate on Ram pickup coverage a couple years back a different company probably has better prices today. Forget all the misinformation about insurance because you’re about to learn the best methods to save money, get proper deductibles and limits, all at the lowest rate.

Shopping for more affordable coverage is simple if you know the tricks. If you have a policy now or are just looking to switch companies, you can use these techniques to find the best rates and possibly find even better coverage. Consumers just need to learn the most efficient way to get comparison quotes over the internet.

Find the Cheapest Quotes in Your Area

Get multiple rate quotes instantly and find your cheapest rate

The quickest method to compare insurance rates in your area is to understand almost all companies pay for the opportunity to provide you with a free rate quote. To get started, all you need to do is give them rating details like whether your vehicle is owned or leased, if it has an alarm system, coverage limits, and marital status. Your insurance information gets transmitted to insurance carriers in your area and you receive quotes instantly to find the best rate.

Insurance companies offer many types of discounts

Not many people think insurance is cheap, but you may qualify for discounts that can help lower your rates. Many of these discounts will be applied automatically when you complete an application, but some may not be applied and must be asked for prior to getting the savings. If you are not receiving all the discounts available, you may be paying too high a price.

  • Professional Organizations – Participating in specific professional or occupational memberships or organizations is a good way to get lower rates on insurance.
  • Cautious Driver Discount – Insureds who avoid accidents may receive a discount up to 45% on Ram pickup coverage compared to accident prone drivers.
  • Defensive Driver Discounts – Passing a course that instructs on driving safety could earn you a small percentage discount if you qualify.
  • Multiple Vehicles – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to use their safety belts could save 15% off the medical payments premium.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course if offered at their school.
  • Accident Free – Claim-free drivers pay less when compared with drivers with a long claim history.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Dodge can earn discounted premium rates on garaged vehicles.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and can earn a small discount on your policy.
  • Accident Forgiveness Coverage – This one isn’t a discount, but some insurance companies will turn a blind eye to one accident without the usual rate increase so long as you haven’t had any claims prior to the accident.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. Most cut the cost of specific coverages such as medical payments or collision. So even though you would think all the discounts add up to a free policy, companies wouldn’t make money that way.

Larger insurance companies and a selection of discounts are:

  • Progressive offers premium reductions for good student, multi-policy, continuous coverage, online signing, multi-vehicle, and homeowner.
  • Farmers Insurance offers discounts including homeowner, electronic funds transfer, bundle discounts, distant student, alternative fuel, and pay in full.
  • Farm Bureau may have discounts that include 55 and retired, safe driver, driver training, multi-policy, and good student.
  • State Farm may offer discounts for driver’s education, Steer Clear safe driver discount, passive restraint, accident-free, and Drive Safe & Save.
  • GEICO has savings for good student, daytime running lights, multi-policy, military active duty, defensive driver, and multi-vehicle.
  • SAFECO includes discounts for teen safe driver, anti-theft, drive less, accident prevention training, teen safety rewards, safe driver, and homeowner.
  • Liberty Mutual may include discounts for teen driver discount, safety features, good student, multi-car, newly retired, and new graduate.

It’s a good idea to ask every prospective company to apply every possible discount. Some discounts might not be available to policyholders in your area. To see a list of providers who offer cheap insurance quotes, enter your zip code here.

Do I just need basic coverages?

When choosing coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions can help discover whether your personal situation will benefit from professional help.

  • Is my ex-spouse still covered by my policy?
  • What can I do if my company won’t pay a claim?
  • Am I covered if my car is in a flood?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need rental car coverage?
  • Should I buy more coverage than the required minimum liability coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out your zip code. It is quick, free and may give you better protection.

Coverage specifics

Having a good grasp of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Dodge Ram Pickup 1500.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Comprehensive insurance – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, hitting a deer, rock chips in glass and damage from getting keyed. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision – This coverage will pay to fix damage to your Ram Pickup 1500 from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, colliding with a tree, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Liability coverage – Liability insurance provides protection from injuries or damage you cause to a person or their property. 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 limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things such as court costs, emergency aid and bail bonds. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for bills for things like prosthetic devices, doctor visits and funeral costs. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Find the Cheapest Quotes in Your Area

Get multiple rate quotes instantly and find your cheapest rate

Rates by U.S. City

2012 Dodge Ram Insurance Rates by City
City Premium
New York City, NY $2,115
Los Angeles, CA $2,283
Philadelphia, PA $1,784
Jacksonville, FL $1,942
Phoenix, AZ $1,554
Chicago, IL $1,789
Houston, TX $2,096
Seattle, WA $1,303
Columbus, OH $1,116
Indianapolis, IN $1,141

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 Dodge Ram Insurance Rates by Driver Age
Driver Age Premium
16 $5,178
20 $3,054
30 $1,374
40 $1,338
50 $1,224
60 $1,198

Full coverage, $500 deductibles

Rates by Deductible

2012 Dodge Ram Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,616
$250 $1,488
$500 $1,338
$1,000 $1,192

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,338
50/100 $1,442
100/300 $1,572
250/500 $1,910
100 CSL $1,494
300 CSL $1,780
500 CSL $1,988

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Dodge Ram Insurance Rates for High Risk Drivers
Age Premium
16 $7,338
20 $4,866
30 $2,920
40 $2,878
50 $2,748
60 $2,722

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 $181

Potential Rate Discounts

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

Discount Savings
Multi-policy $69
Multi-vehicle $71
Homeowner $22
5-yr Accident Free $88
5-yr Claim Free $85
Paid in Full/EFT $54
Advance Quote $62
Online Quote $93
Total Discounts $544
Rate after discounts $794

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

Find companies with the cheapest rates in your area

2012 Dodge Ram Insurance Rates by State
State Premium
Alabama $1,210
Alaska $1,024
Arizona $1,110
Arkansas $1,338
California $1,522
Colorado $1,274
Connecticut $1,374
Delaware $1,514
Florida $1,674
Georgia $1,234
Hawaii $960
Idaho $908
Illinois $994
Indiana $1,010
Iowa $902
Kansas $1,270
Kentucky $1,822
Louisiana $1,980
Maine $826
Maryland $1,104
Massachusetts $1,068
Michigan $2,322
Minnesota $1,120
Mississippi $1,602
Missouri $1,186
Montana $1,436
Nebraska $1,056
Nevada $1,606
New Hampshire $964
New Jersey $1,494
New Mexico $1,184
New York $1,410
North Carolina $770
North Dakota $1,096
Ohio $922
Oklahoma $1,374
Oregon $1,224
Pennsylvania $1,274
Rhode Island $1,784
South Carolina $1,212
South Dakota $1,128
Tennessee $1,168
Texas $1,612
Utah $988
Vermont $916
Virginia $802
Washington $1,034
West Virginia $1,226
Wisconsin $924
Wyoming $1,190

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