1. States
  2. Connecticut
  3. Insurance Cost for a Dodge Ram

How Much Does Insurance Cost for a Dodge Ram in Connecticut?

Enter your Connecticut zip code below to view companies that have cheap auto insurance rates.

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 ...

Full Bio →

Written by

UPDATED: Nov 15, 2019

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

We always joke that when we write about car insurance, the word affordable should not appear as a descriptor for car insurance rates. Forgive the oxymoron, but cheap car insurance for a Dodge Ram is almost non-existent. Don’t let that spoil your day, because we are going to show you some ways you can quote and buy coverage that is easy on your budget.

The chances of finding the cheapest car insurance for a Dodge Ram in Connecticut hinges on a very complex rating algorithm that uses multiple factors such as if you are married or single, the likelihood of vehicle theft, and the level of deductible you choose. Drivers on average will pay $1,270 each year to buy Dodge Ram insurance, but that cost is an estimation using rate data for a 30-year-old married female driver who requires comprehensive and collision coverage and $250 deductibles.

It’s more than likely you are not 30 years old and maybe not even female, maybe you are single instead of married, or maybe you prefer liability limits higher than required by Connecticut state law. Even a very minor difference in the rating criteria used to formulate rates can result in a big discrepancy in the price of a policy.

The different assumptions illustrate why the way we recommend to find the most affordable coverage for your Dodge is to do your own rate comparisons. It only takes a few minutes and you can get prices from the best companies available.

Enter your zip code below to view companies that have cheap auto insurance rates.

The specific trim level impacts the coverage cost, so the rate you pay to insure a Ram Quad Cab ST 2WD will be $304 lower than the cost to insure the fancier Ram Quad Cab Laramie 4WD model, as shown below.

Dodge Ram Insurance Rates in Connecticut
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $258 $362 $398 $24 $120 $1,162 $97
Ram Quad Cab TRX4 Off Road 2WD $292 $440 $398 $24 $120 $1,274 $106
Ram Quad Cab SLT 2WD $292 $440 $398 $24 $120 $1,274 $106
Ram Crew Cab ST 2WD $292 $440 $398 $24 $120 $1,274 $106
Ram Quad Cab ST 4WD $292 $440 $398 $24 $120 $1,274 $106
Ram Crew Cab SLT 2WD $292 $440 $398 $24 $120 $1,274 $106
Ram Crew Cab TRX 2WD $292 $440 $398 $24 $120 $1,274 $106
Ram Quad Cab SLT 4WD $292 $440 $398 $24 $120 $1,274 $106
Ram Crew Cab ST 4WD $292 $440 $398 $24 $120 $1,274 $106
Ram Crew Cab Sport 2WD $326 $518 $398 $24 $120 $1,386 $116
Ram Quad Cab Sport 2WD $326 $518 $398 $24 $120 $1,386 $116
Ram Quad Cab TRX4 Off Road 4WD $326 $518 $398 $24 $120 $1,386 $116
Ram Crew Cab TRX 4WD $326 $518 $398 $24 $120 $1,386 $116
Ram Crew Cab SLT 4WD $326 $518 $398 $24 $120 $1,386 $116
Ram Quad Cab Laramie 2WD $326 $518 $398 $24 $120 $1,386 $116
Ram Crew Cab Laramie 2WD $326 $518 $398 $24 $120 $1,386 $116
Ram Crew Cab Sport 4WD $326 $518 $398 $24 $120 $1,386 $116
Ram Quad Cab Sport 4WD $326 $518 $398 $24 $120 $1,386 $116
Ram Crew Cab Laramie 4WD $326 $598 $398 $24 $120 $1,466 $122
Ram Quad Cab Laramie 4WD $326 $598 $398 $24 $120 $1,466 $122
Get Your Own Custom Quote Go

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Connecticut minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Price estimates do not factor in specific garaging location which can impact coverage rates noticeably.

Choosing a good quality car insurance provider can be difficult considering how many choices drivers have in Connecticut. The company rank data shown below could help you decide which auto insurance companies you want to consider when trying to find the cheapest insurance for a Dodge Ram. The rankings below are for companies that insure vehicles across America, so companies that may only write in Connecticut are not taken into consideration for these rankings.

Top 10 Large Car Insurance Companies in Connecticut Ranked by A.M. Best Rating

  1. GEICO – A++
  2. Travelers – A++
  3. State Farm – A++
  4. USAA – A++
  5. Esurance – A+
  6. Allstate – A+
  7. Nationwide – A+
  8. Progressive – A+
  9. The Hartford – A+
  10. The General – A-

Top 10 Large Car Insurance Companies Overall in Connecticut

  1. The General
  2. The Hartford
  3. Progressive
  4. Travelers
  5. State Farm
  6. Farmers Insurance
  7. Safeco Insurance
  8. USAA
  9. GEICO
  10. 21st Century

Top Companies for Dodge Ram Insurance in Connecticut

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Responsible drivers pay cheaper auto insurance rates

The obvious way to enjoy good auto insurance prices in Connecticut for a Ram pickup is to be a good driver and avoid accidents and traffic violations. The example below shows how violations and accident claims influence premium costs for each different age category. The price estimates are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are factored in.

The data charted above shows the average cost of auto insurance in Connecticut per year with no violations or accidents is $1,765. Get one speeding ticket and the average cost hikes up to $2,031, an increase of $266 each year. Now include one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Dodge Ram jumps again to an average of $2,776. That’s an increase of $1,011, or $84 per month, just for a couple of infractions!

How to get discounts on Connecticut auto insurance

Cheaper Connecticut auto insurance for a Ram pickupAuto insurance companies that provide cheap insurance for a Dodge Ram in Connecticut may have policy discounts that could potentially reduce rates by as much as 40% or more if you qualify. A list of companies and some of the premium reductions they offer are:

  • AAA offers premium reductions for multi-policy, good student, education and occupation, AAA membership discount, anti-theft, good driver, and multi-car.
  • Progressive offers discounts including online quote discount, continuous coverage, online signing, multi-policy, homeowner, multi-vehicle, and good student.
  • State Farm offers discounts for multiple autos, passive restraint, safe vehicle, student away at school, multiple policy, and good student.
  • Esurance may have discounts that include good student, renters, paid-in-full, good driver, safety device, and multi-car.
  • Nationwide policyholders can earn discounts including family plan, multi-policy, business or organization, accident-free, anti-theft, defensive driving, and easy pay.

The diagram below illustrates the difference between insurance prices with and without discounts applied to the policy rates. The premiums assume a female driver, no violations or accidents, Connecticut state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with claim-free, homeowner, anti-theft, multiple vehicle, marriage, and safe-driver discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for a Dodge Ram is 28% or $661.

Geico, Progressive, State Farm, and Allstate: Who is cheapest?

When comparing rates for insurance for a Ram pickup in Connecticut, the most popular companies are Geico, Progressive, State Farm, and Allstate. Combined they have almost 50% of the entire U.S. car insurance market. All offer your standard physical damage and liability coverages, but each one has slightly different coverages and options that may steer you one way or another. The table below compares pricing and service ratings, as well as optional policy coverages offered by each company.

Comparison of Geico, Progressive, State Farm, and Allstate
Geico Progressive State Farm Allstate
Customer Satisfaction 1st 3rd 4th 2nd
Price Overall 1st 3rd 2nd 4th
Claims Handling 3rd 4th 2nd 1st
Discounts Available 2nd 4th 3rd 1st
A.M. Best financial rating A++ A+ A++ A+
Usage-based rating No Yes Yes Yes
Accident forgiveness Yes Yes No Yes
New car replacement coverage No No No Yes
Mechanical breakdown insurance Yes Yes No No
Roadside service Yes Yes Yes Yes
Rideshare insurance Yes Yes Yes Yes
Insure in Connecticut Yes Yes Yes Yes
Where to buy Both online and from Geico agents Online or from independent agents Can only buy from State Farm agents Allstate-only agents
Number of agents 150+ 30,000+ 18,000+ 11,000+
Get Quotes Go

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles