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2017 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 2017 Dodge Ram are $1,494 a year for full coverage. Comprehensive costs on average $320 each year, collision costs $524, and liability insurance costs around $470. Buying a liability-only policy costs as low as $536 a year, with high-risk insurance costing around $3,218. Teenage drivers receive the highest rates at $5,598 a year or more.

Annual premium for full coverage: $1,494

Rate estimates for 2017 Dodge Ram Insurance

Comprehensive $320
Collision $524
Liability $470

Rate data is compiled from all 50 U.S. states and averaged for all 2017 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 go from as low as $536 for a discount liability-only rate to a high rate of $3,218 for a high risk driver.

Liability Only $536
Full Coverage $1,494
High Risk $3,218

View Chart as Image

2017 Dodge Ram insurance rates compared
Column chart showing 2017 Dodge Ram insurance prices range from $870 to $5,598 for full coverage

These differences show why all drivers should compare prices based on a specific location and risk profile, rather than relying 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 2017 Dodge Ram Insurance

Searching Companies

Drivers have a choice when trying to find the best price on Dodge Ram Pickup 1500 insurance. You can either waste hours contacting agents to get rate comparisons or use the internet to compare rates. There is a better way to buy insurance coverage and you need to know the quickest way to price shop coverage on a Dodge and find the cheapest rates from local insurance agents and online providers.

Free insurance coverage quotes

Getting a cheaper price on 2017 Dodge Ram Pickup 1500 insurance is an easy way to save money. All that’s required is to invest a few minutes to get quotes online from several insurance companies. This is very easy and can be done in a couple of different ways.

  1. The most recommended method to find low rates would be an industry-wide quote request form. This form eliminates the need for separate forms to each individual insurance coverage company. One form submission gets prices estimates from multiple low-cost companies. Just one form and you’re done.
  2. Another way to get comparison quotes is to take the time to go to the website for each individual company to complete their respective quote request forms. For instance, let’s assume you want comparison quotes from Farmers, Liberty Mutual and Progressive. To do that, you would have to navigate to each company’s site and enter your policy data, which is why the first method is more popular.
  3. The old school way to find cheaper rates is going to each insurance agency near you. Comparing online rate quotes has reduced the need for local agents unless you require the advice and guidance of an agent trained in personal lines coverage. Although you can price shop your coverage online and get advice from an agent in your area.

It’s up to you which method you use, but be sure to compare equivalent deductibles and coverage limits on every quote you get. If you use higher or lower deductibles it will be next to impossible to determine which company has the best rates.

Lower rate quotes with these discounts

Insurance can be prohibitively expensive, but you might already qualify for some discounts that could drop your premiums quite a bit. Certain discounts will be applied at the time you complete a quote, but a few must be asked about before being credited. If you’re not getting every credit possible, you’re just leaving money on the table.

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  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if it’s offered in school.
  • Theft Prevention System – Cars, trucks, and SUVs that have factory anti-theft systems are less likely to be stolen and earn discounts up to 10% off your insurance quote.
  • Defensive Driving Course – Passing a defensive driving class could cut 5% off your bill and easily recoup the cost of the course.
  • Active Military Service – Having a family member in the military could be rewarded with lower premium rates.
  • Multiple Cars – Having multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.

Policy discounts save money, but some of the credits will not apply to the entire cost. A few only apply to individual premiums such as medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, companies don’t profit that way.

Larger car insurance companies and some of their more popular discounts can be found below.

  • State Farm may include discounts for driver’s education, multiple policy, Drive Safe & Save, multiple autos, defensive driving training, and accident-free.
  • American Family policyholders can earn discounts including mySafetyValet, early bird, Steer into Savings, air bags, and defensive driver.
  • AAA offers discounts including education and occupation, AAA membership discount, multi-car, pay-in-full, good student, and good driver.
  • GEICO may offer discounts for emergency military deployment, multi-policy, air bags, driver training, anti-theft, daytime running lights, and membership and employees.
  • Mercury Insurance has savings for low natural disaster claims, multi-car, annual mileage, ease of repair, multi-policy, type of vehicle, and good student.
  • Farmers Insurance has discounts for early shopping, business and professional, good student, homeowner, and multi-car.
  • Progressive offers discounts for continuous coverage, multi-vehicle, homeowner, online quote discount, online signing, and multi-policy.

Before you buy a policy, ask all companies you are considering which discounts you may be entitled to. Some discounts listed above may not apply to policies everywhere. For a list of companies that offer some of these discounts, enter your zip code here.

Insurance coverage can be complex

When it comes to choosing coverage for your personal vehicles, there really is no “perfect” insurance plan. Every situation is different.

For example, these questions could help you determine if your situation may require specific advice.

  • What is covered by UM/UIM coverage?
  • Is upholstery damage covered by car insurance?
  • Can I make deliveries for my home business?
  • Is my babysitter covered when using my vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • When can my company non-renew my policy?
  • If I drive on a suspended license am I covered?
  • I have a DUI can I still get coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is a new car covered when I drive it off the dealer lot?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete your zip code. It only takes a few minutes and may give you better protection.

Auto insurance coverage information

Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for bills like rehabilitation expenses, prosthetic devices and ambulance fees. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability insurance

This coverage will cover damages or injuries you inflict on other people or property that is your fault. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as attorney fees, repair costs for stationary objects and court costs. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Dodge Ram Pickup 1500.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like damaging your car on a curb, rolling your car, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as fire damage, theft and falling objects. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Have money to burn

Throughout this article, we presented a lot of techniques to shop for 2017 Dodge Ram Pickup 1500 insurance online. The most important thing to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. You may even find the best car insurance rates are with a small local company.

More affordable insurance is possible both online and from local agencies, and you need to price shop both so you have a total pricing picture. Some insurance providers don’t offer online price quotes and usually these small, regional companies only sell coverage through independent agents.

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. In too many instances, someone dropped collision coverage and learned later they didn’t purchase enough coverage. The aim is to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

For more information, link through to the following helpful articles:

Find the Cheapest Quotes in Your Area

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Rates by U.S. City

2017 Dodge Ram Insurance Rates by City
CityPremium
New York City, NY$2,364
Los Angeles, CA$2,553
Philadelphia, PA$1,994
Jacksonville, FL$2,167
Phoenix, AZ$1,736
Chicago, IL$1,998
Houston, TX$2,337
Seattle, WA$1,452
Columbus, OH$1,249
Indianapolis, IN$1,272

Need a specific model?

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Rates by Driver Age

2017 Dodge Ram Insurance Rates by Driver Age
Driver AgePremium
16$5,598
20$3,424
30$1,552
40$1,494
50$1,364
60$1,338

Full coverage, $500 deductibles

Rates by Deductible

2017 Dodge Ram Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,864
$250$1,694
$500$1,494
$1,000$1,302

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,494
50/100$1,588
100/300$1,706
250/500$2,011
100 CSL$1,635
300 CSL$1,894
500 CSL$2,082

Full coverage, driver age 40

Rates for High Risk Drivers

2017 Dodge Ram Insurance Rates for High Risk Drivers
AgePremium
16$7,972
20$5,442
30$3,280
40$3,218
50$3,070
60$3,040

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 $204

Potential Rate Discounts

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

DiscountSavings
Multi-policy$79
Multi-vehicle$77
Homeowner$23
5-yr Accident Free$106
5-yr Claim Free$96
Paid in Full/EFT$66
Advance Quote$72
Online Quote$105
Total Discounts$624
Rate after discounts $870

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

Find companies with the cheapest rates in your area

2017 Dodge Ram Insurance Rates by State
StatePremium
Alabama$1,350
Alaska$1,146
Arizona$1,240
Arkansas$1,494
California$1,702
Colorado$1,426
Connecticut$1,536
Delaware$1,690
Florida$1,868
Georgia$1,380
Hawaii$1,072
Idaho$1,012
Illinois$1,110
Indiana$1,126
Iowa$1,008
Kansas$1,418
Kentucky$2,038
Louisiana$2,212
Maine$922
Maryland$1,232
Massachusetts$1,192
Michigan$2,592
Minnesota$1,250
Mississippi$1,792
Missouri$1,324
Montana$1,604
Nebraska$1,176
Nevada$1,792
New Hampshire$1,076
New Jersey$1,670
New Mexico$1,322
New York$1,576
North Carolina$860
North Dakota$1,222
Ohio$1,032
Oklahoma$1,532
Oregon$1,368
Pennsylvania$1,424
Rhode Island$1,994
South Carolina$1,354
South Dakota$1,260
Tennessee$1,306
Texas$1,798
Utah$1,106
Vermont$1,024
Virginia$894
Washington$1,152
West Virginia$1,370
Wisconsin$1,034
Wyoming$1,330

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