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2015 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: Apr 9, 2020

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Average insurance rates for a 2015 Dodge Ram are $1,422 a year for full coverage. Comprehensive insurance costs on average $282 a year, collision costs $450, and liability costs $510. Buying a liability-only policy costs as little as $568 a year, with high-risk insurance costing $3,062 or more. Teenage drivers receive the highest rates at $5,438 a year or more.

Annual premium for full coverage: $1,422

Rate estimates for 2015 Dodge Ram Insurance

Comprehensive $282
Collision $450
Liability $510

Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 go from as low as $568 for only liability insurance to a high of $3,062 for a driver that may need high-risk insurance.

Liability Only $568
Full Coverage $1,422
High Risk $3,062

View Chart as Image

2015 Dodge Ram insurance rates compared
Column chart showing 2015 Dodge Ram insurance prices range from $834 to $5,438 for full coverage

These differences show why it is important for drivers to compare rates based on a specific location 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.

Recommended Companies for Cheap 2015 Dodge Ram Insurance

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Looking for lower insurance coverage rates for your Dodge Ram Pickup 1500? Finding low-cost insurance for your Dodge Ram Pickup 1500 can be an all-consuming task, but you can follow our insurance coverage buying tips and make it easy.

There is a right way and a wrong way to buy insurance coverage and we’ll show you the best way to compare rates for your Dodge and find the lowest price.

Consumers should take time to do rate comparisons periodically since prices change regularly. Just because you found the best deal for Ram pickup coverage a couple years back you can probably find a better rate quote now. Forget all the misinformation about insurance coverage because we’re going to demonstrate one of the quickest ways to find better coverage at a better price.

Discounts for affordable insurance coverage rates

Insurance coverage is not an enjoyable expense, but you may find discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied when you quote, but a few need to be asked for prior to receiving the credit.

  • Distant Student – Any of your kids who live away from home at college and don’t have a car could get you a discount.
  • Senior Citizens – Mature drivers can possibly qualify for reduced rates for Ram pickup coverage.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because it requires a higher level of personal finance.
  • Paperless Signup – Some of the larger companies will discount your bill up to fifty bucks just for signing your application on the internet.
  • Multi-Vehicle Discounts – Having more than one vehicle on the same insurance coverage policy can get a discount for every vehicle.
  • Claim Free – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote compared to drivers with a long claim history.

We need to note that some of the credits will not apply to the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like adding up those discounts means a free policy, you aren’t that lucky. Any qualifying discounts will lower the cost of coverage.

Companies that may have these benefits are:

Double check with every prospective company which discounts they offer. Some of the discounts discussed earlier might not apply in your area. For a list of insurance companies with the best discounts, enter your zip code here.

You may need specialized car insurance coverage

When buying coverage for your vehicles, there really is no perfect coverage plan. Every situation is different.

These are some specific questions can help discover if your insurance needs may require specific advice.

  • Why am I required to get a high-risk car insurance policy?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I need PIP coverage since I have good health insurance?
  • Does coverage extend to my business vehicle?
  • When should my teen driver be added to my policy?
  • Do I have coverage if my license is suspended?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete your zip code. It is quick, free and may give you better protection.

Buyer beware of car insurance advertising tricks

Consumers can’t get away from ads that promise big savings by Allstate and Progressive. All the companies advertise claims that you’ll save big if you move your policy.

It sounds good, but how can they all charge you a lower premium? Just pay attention to how they say it.

Different companies are able to cherry pick for the right customer that earns them the highest profit. For instance, a profitable customer could possibly be between the ages of 30 and 45, has never had a policy lapse, and has a high credit rating. Someone who meets those qualifications receives the best premium rates and therefore will save quite a bit of money when switching.

Drivers who don’t meet those standards will probably have to pay more expensive rates and this results in the prospect going elsewhere. The wording the ads use say “people who switch” not “everybody who quotes” save that much. That is how companies can truthfully claim big savings.

Each company has different criteria, so drivers should compare as many free auto insurance quotes as you can. It is impossible to guess which insurance companies will provide the lowest premium rates.

Auto insurance coverage basics

Learning about specific coverages of your auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Liability coverages

This protects you from damage that occurs to other’s property or people. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims such as bail bonds, pain and suffering, emergency aid and loss of income. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive auto insurance

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as falling objects, fire damage, hitting a bird, theft and rock chips in glass. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Ram Pickup 1500.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these coverages are set the same as your liablity limits.

Collision protection

This coverage pays for damage to your Ram Pickup 1500 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a parking meter, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for pain medications, rehabilitation expenses and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Buy Smart and Save

Cost effective 2015 Dodge Ram Pickup 1500 insurance is available from both online companies in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis. A few companies may not provide online price quotes and many times these smaller companies prefer to sell through independent agencies.

We covered some good ideas how you can get a better price on 2015 Dodge Ram Pickup 1500 insurance. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the lowest priced car insurance comes from a small local company.

People who switch companies do it for a number of reasons such as delays in responding to claim requests, high prices, unfair underwriting practices or not issuing a premium refund. No matter why you want to switch, switching companies can be easier than you think.

Helpful learning opportunities

Rates by U.S. City

2015 Dodge Ram Insurance Rates by City
City Premium
New York City, NY $2,244
Los Angeles, CA $2,427
Philadelphia, PA $1,893
Jacksonville, FL $2,062
Phoenix, AZ $1,652
Chicago, IL $1,901
Houston, TX $2,223
Seattle, WA $1,381
Columbus, OH $1,186
Indianapolis, IN $1,209

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2015 Dodge Ram Insurance Rates by Driver Age
Driver Age Premium
16 $5,438
20 $3,258
30 $1,466
40 $1,422
50 $1,300
60 $1,274

Full coverage, $500 deductibles

Rates by Deductible

2015 Dodge Ram Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,742
$250 $1,594
$500 $1,422
$1,000 $1,254

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,422
50/100 $1,524
100/300 $1,652
250/500 $1,983
100 CSL $1,575
300 CSL $1,856
500 CSL $2,060

Full coverage, driver age 40

Rates for High Risk Drivers

2015 Dodge Ram Insurance Rates for High Risk Drivers
Age Premium
16 $7,724
20 $5,184
30 $3,114
40 $3,062
50 $2,926
60 $2,898

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 $195

Potential Rate Discounts

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

Discount Savings
Multi-policy $75
Multi-vehicle $75
Homeowner $23
5-yr Accident Free $98
5-yr Claim Free $91
Paid in Full/EFT $60
Advance Quote $67
Online Quote $99
Total Discounts $588
Rate after discounts $834

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

Find companies with the cheapest rates in your area

2015 Dodge Ram Insurance Rates by State
State Premium
Alabama $1,282
Alaska $1,088
Arizona $1,180
Arkansas $1,422
California $1,618
Colorado $1,354
Connecticut $1,458
Delaware $1,606
Florida $1,778
Georgia $1,312
Hawaii $1,018
Idaho $962
Illinois $1,056
Indiana $1,070
Iowa $958
Kansas $1,346
Kentucky $1,938
Louisiana $2,102
Maine $878
Maryland $1,170
Massachusetts $1,134
Michigan $2,464
Minnesota $1,188
Mississippi $1,700
Missouri $1,258
Montana $1,524
Nebraska $1,120
Nevada $1,704
New Hampshire $1,024
New Jersey $1,588
New Mexico $1,258
New York $1,496
North Carolina $818
North Dakota $1,164
Ohio $980
Oklahoma $1,458
Oregon $1,302
Pennsylvania $1,352
Rhode Island $1,894
South Carolina $1,288
South Dakota $1,200
Tennessee $1,242
Texas $1,710
Utah $1,050
Vermont $972
Virginia $850
Washington $1,096
West Virginia $1,302
Wisconsin $982
Wyoming $1,264

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