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2018 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 2018 Dodge Ram are $1,494 a year for full coverage insurance. Comprehensive insurance costs around $320, collision insurance costs $524, and liability costs around $470. Buying a liability-only policy costs as low as $536 a year, and high-risk insurance costs $3,218 or more. Teen drivers receive the highest rates at up to $5,598 a year.

Annual premium for full coverage: $1,494

Rate estimates for 2018 Dodge Ram Insurance

Comprehensive $320
Collision $524
Liability $470

Rate data is compiled from all 50 U.S. states and averaged for all 2018 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 $536 for only liability insurance to the much higher price of $3,218 for a driver who has had serious violations or accidents.

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

View Chart as Image

2018 Dodge Ram insurance rates compared
Column chart showing 2018 Dodge Ram insurance prices range from $870 to $5,598 for full coverage

These differences illustrate why everyone should compare prices for a specific zip code and risk profile, instead of making a decision based on price averages.

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 2018 Dodge Ram Insurance

Searching Companies

Trying to find the cheapest auto insurance rates for your Dodge Ram Pickup 1500? Searching for the cheapest insurance for a new or used Dodge Ram Pickup 1500 can normally be an all-consuming task, but you can learn our auto insurance buying tips and make it easy. There are both good and bad ways to shop for auto insurance so we’re going to tell you the proper way to price shop coverage for your Dodge and locate the cheapest rates either online or from local insurance agents.

Consumers need to compare rates at least once a year since prices fluctuate regularly. If you had the best rate on Ram pickup insurance a year ago the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about auto insurance because we’re going to show you the fastest way to save money, get proper coverage and the best rates.

The method we recommend to compare car insurance rates is to realize most insurance companies have advanced systems to provide you with free rate quotes. To start a quote, the only thing you need to do is provide details such as types of safety features, whether the vehicles are used for commuting, the year, make and model of vehicles, and what your job is. Your rating data is then sent to many of the top insurers and you receive quotes within a short period of time.

Brand name doesn’t guarantee savings

Drivers can’t get away from all the ads that promise big savings for switching by companies like Progressive, Allstate and GEICO. All the companies tend to make the same promise that drivers can save some big amount if you just switch to them.

How does every auto insurance company charge lower premium rates? This is the trick they use.

All companies have specific guidelines for the type of driver that earns them the highest profit. A good example of this type of driver should be between the ages of 30 and 50, is a homeowner, and drives newer vehicles. A customer getting a price quote that hits that “sweet spot” receive the lowest rate quotes and most likely will cut their rates if they switch.

Consumers who don’t measure up to those standards will get higher rates and ends up with the customer buying from a different company. The ads say “customers that switch” not “everyone who quotes” save money. That’s the way insurance companies can claim big savings. This really drives home the point why drivers should get insurance quotes as often as possible. Because you cannot predict which auto insurance company will have the lowest rate quotes.

Insurance discounts are available to reduce your rates

Auto insurance companies don’t always list every available discount very well, so we researched both the well known and the more hidden credits that you can use to lower your rates.

  • New Vehicle Savings – Insuring a vehicle that is new is cheaper compared to insuring an older model.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles have fewer accidents and therefore earn up to a 10% discount.
  • Distant College Student Discount – who live away from home at college and leave their car at home could get you a discount.
  • Theft Prevention System – Vehicles equipped with tracking devices and advanced anti-theft systems help deter theft and earn discounts up to 10% off your insurance quote.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying in monthly installments you may have a lower total premium amount.
  • Renewal Discounts – A few insurance companies offer discounts for switching companies before your current policy expires. You can save around 10% with this discount.

One thing to note about discounts is that most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, insurance companies aren’t that generous.

A few of the larger companies and some of the premium reductions they offer can be read below.

  • American Family policyholders can earn discounts including mySafetyValet, accident-free, Steer into Savings, TimeAway discount, multi-vehicle, good student, and early bird.
  • State Farm offers discounts including safe vehicle, multiple policy, anti-theft, Steer Clear safe driver discount, and passive restraint.
  • 21st Century discounts include theft prevention, homeowners, automatic seat belts, air bags, and student driver.
  • Travelers may offer discounts for payment discounts, multi-policy, new car, good student, save driver, and early quote.
  • GEICO may include discounts for emergency military deployment, good student, driver training, multi-vehicle, daytime running lights, and air bags.

Before purchasing a policy, check with all companies you are considering which discounts they offer. Some discounts might not be offered on policies everywhere. If you would like to choose from a list of providers that offer the discounts shown above, enter your zip code here.

Everyone needs different car insurance coverages

When it comes to buying coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

For example, these questions may help highlight whether or not you will benefit from professional help.

  • Why am I required to get a high-risk car insurance policy?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my state a no-fault state?
  • Does my policy pay for OEM or aftermarket parts?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I have a commercial auto policy?
  • Are rock chip repairs covered?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete your zip code. It only takes a few minutes and you can get the answers you need.

Auto insurance coverages

Knowing the specifics of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.


This will cover damage that occurs to a person or their property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for claims like bail bonds, emergency aid, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Dodge Ram Pickup 1500.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like rock chips in glass, fire damage, vandalism and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

This coverage covers damage to your Ram Pickup 1500 caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with a tree, driving through your garage door, sustaining damage from a pot hole, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like prosthetic devices, pain medications and surgery. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Smart shoppers get results

When getting insurance quotes online, it’s a bad idea to buy poor coverage just to save money. There are too many instances where someone sacrificed liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. Your strategy should be to find the BEST coverage at a price you can afford, but do not skimp to save money.

Budget-conscious 2018 Dodge Ram Pickup 1500 insurance is attainable online in addition to local insurance agencies, so you need to shop insurance with both to have the best chance of lowering rates. Some insurance providers do not provide rate quotes online and these regional insurance providers provide coverage only through independent agents.

In this article, we covered a lot of information how to lower your 2018 Dodge Ram Pickup 1500 insurance prices. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the best prices are with the smaller companies.

More resources

Rates by U.S. City

2018 Dodge Ram Insurance Rates by City
City Premium
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?

Choose your model and trim below

Rates by Driver Age

2018 Dodge Ram Insurance Rates by Driver Age
Driver Age Premium
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

2018 Dodge Ram Insurance Rates with Different Deductibles
Deductible Premium
$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 Limit Premium
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

2018 Dodge Ram Insurance Rates for High Risk Drivers
Age Premium
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.

Discount Savings
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

2018 Dodge Ram Insurance Rates by State
State Premium
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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