How Much is Insurance for a Dodge Ram in New Hampshire?
Enter your New Hampshire zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 17, 2019
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When writing about shopping for car insurance, the words “cheap” or “affordable” really shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Regardless, cheap auto insurance for a Dodge Ram can be hard, if not impossible, to find. Don’t get your dauber down, because we can show you some ways you can find and buy car insurance that you can afford to pay for.
Your odds of finding the cheapest car insurance for a Dodge Ram in New Hampshire is contingent on a complex calculation that is influenced by things such as miles driven annually, your credit rating, and if you have a history of accidents. Drivers on average pay approximately $780 a year to insure a Dodge Ram, but that is an estimate calculated based on a 40-year-old single male that includes full comprehensive and collision coverage and $1,000 deductibles.
But there is a good chance that you are not 40 and maybe not even a male, you might be married instead of single, or maybe you don’t qualify for the same discounts. This demonstrates why your best shot at finding cheap insurance rates for your Dodge is to compare rates from as many companies as possible. It takes less than five minutes and you will be able to see rates from the best companies that insure Dodge vehicles in New Hampshire.
The trim level of your vehicle impacts price, so the price you will be charged to insure a Ram Quad Cab ST 2WD model will be $148 less expensive the cost to insure the higher-priced Ram Quad Cab Laramie 4WD version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$112||$184||$324||$20||$98||$738||$62|
|Ram Quad Cab TRX4 Off Road 2WD||$126||$224||$324||$20||$98||$792||$66|
|Ram Quad Cab SLT 2WD||$126||$224||$324||$20||$98||$792||$66|
|Ram Crew Cab ST 2WD||$126||$224||$324||$20||$98||$792||$66|
|Ram Quad Cab ST 4WD||$126||$224||$324||$20||$98||$792||$66|
|Ram Crew Cab SLT 2WD||$126||$224||$324||$20||$98||$792||$66|
|Ram Crew Cab TRX 2WD||$126||$224||$324||$20||$98||$792||$66|
|Ram Quad Cab SLT 4WD||$126||$224||$324||$20||$98||$792||$66|
|Ram Crew Cab ST 4WD||$126||$224||$324||$20||$98||$792||$66|
|Ram Crew Cab Sport 2WD||$140||$264||$324||$20||$98||$846||$71|
|Ram Quad Cab Sport 2WD||$140||$264||$324||$20||$98||$846||$71|
|Ram Quad Cab TRX4 Off Road 4WD||$140||$264||$324||$20||$98||$846||$71|
|Ram Crew Cab TRX 4WD||$140||$264||$324||$20||$98||$846||$71|
|Ram Crew Cab SLT 4WD||$140||$264||$324||$20||$98||$846||$71|
|Ram Quad Cab Laramie 2WD||$140||$264||$324||$20||$98||$846||$71|
|Ram Crew Cab Laramie 2WD||$140||$264||$324||$20||$98||$846||$71|
|Ram Crew Cab Sport 4WD||$140||$264||$324||$20||$98||$846||$71|
|Ram Quad Cab Sport 4WD||$140||$264||$324||$20||$98||$846||$71|
|Ram Crew Cab Laramie 4WD||$140||$304||$324||$20||$98||$886||$74|
|Ram Quad Cab Laramie 4WD||$140||$304||$324||$20||$98||$886||$74|
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rates do not factor in specific garaging location which can influence price quotes considerably.
Comparing quotes for budget auto insurance is not easy, and finding out which companies offer the best auto insurance rates for a Dodge Ram calls for even more work. Each auto insurance company uses different criteria to determine rates, so let’s rank the lowest cost auto insurance companies in New Hampshire.
It’s important that readers know that New Hampshire auto insurance rates are impacted by many things which can significantly increase or decrease the cost of your policy. Simply getting older, getting divorced, or getting into an accident can cause premium changes resulting in some rates now being much higher than others.
|Rank||Company||Cost Per Year|
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Travelers has some of the best car insurance rates in New Hampshire at around $702 each year. Concord, Patriot, USAA, and Vermont Mutual would also be considered some of the cheapest New Hampshire insurance companies.
As depicted above, if you are a policyholder with USAA and switched to Travelers, you might see an annual premium reduction of upwards of $118. Customers with Vermont Mutual could save as much as $171 a year, and Amica policyholders might reduce rates by $205 a year.
Remember that these prices are averages across all types of insureds and vehicles and are not factoring in a specific rate value for a Dodge Ram. So the auto insurance company that is best suited for you may not even be included in the list above. That underscores the importance of why you need to compare as many prices as possible using your own driver and vehicle profiles.
Enter your zip code below to view companies that have cheap auto insurance rates.
Full coverage versus liability only rates
Finding cheap insurance for a Dodge Ram in New Hampshire is probably important to most vehicle owners, and a great way to pay less for insurance is to buy liability only. The example below illustrates the difference between yearly insurance costs with full physical damage coverage and with liability coverage only. The prices are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are not married, and no additional discounts are factored in.
If we average the cost for ages 20 through 70, comp and collision coverage costs an additional $1,739 per year over and above liability only. Many drivers will wonder if you should buy full coverage. There is no written rule to stop buying full coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
There are some cases where dropping physical damage coverage is not financially feasible. If you still have a lienholder on your title, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not buy liability only.
Your cheap Ram insurance may actually be overpriced
New Hampshire auto insurance rates are determined by lots of factors that control the policy price. Improving your credit rating, adding a teenager to your policy, or having a fender bender may prompt premium changes that can now make some companies cheaper than before. Not only may your situation change, but car insurance companies modify rates every year to adjust for unexpected claims or profits. An extended period of higher than normal claims may result in additional price hikes, while a profitable period may result in cheaper Ram insurance rates.
The data below shows which company has the cheapest car insurance in New Hampshire for a 30-year-old female driver with no prior accidents, a clean driving record, and solid credit. If we look at prices based on her personal risk profile, Concord might quote the cheapest car insurance rates in New Hampshire at $684 each year. This is $846 less than the average rate paid by New Hampshire drivers of $1,530. Travelers, USAA, Patriot, and Vermont Mutual are also included in the cheapest New Hampshire auto insurance companies.
The chart below compares rates after we give the driver in the first chart a couple of claims, less-than-perfect credit, and a traffic ticket or two. Because each company has a proprietary formula to determine rates, comparing insurance quotes may now present a completely different list of affordable companies as shown below.
Travelers now has the best auto insurance rate in New Hampshire with MMG Insurance, Encompass, Progressive, and State Farm also having competitive pricing. This example shows why drivers need to compare rates when trying to find the most affordable auto insurance quotes for a Dodge Ram. Rates are determined by many risk factors and can change without notice, so the cheapest rate when you last compared rates may now be one of the higher cost companies.
How to get cheap insurance for a Dodge Ram in New Hampshire
The list below shows a few penny-pinching solutions that can help New Hampshire drivers get low-cost coverage.
- Full coverage is expensive so only insure older vehicles for liability only
- Buy a safer vehicle
- Pay cheaper rates with good credit scores
- Earn a discount by not filing claims
- Buying home and auto insurance together can earn discounts
- Higher comprehensive and collision coverage deductibles will save money
- Shop around once a year for cheaper rates
The last tip in the list is extraordinarily necessary, as was stressed in this article. Insurance prices fluctuate considerably, so don’t be tentative to buy a different policy if you find a cheaper price. Having a favorite company is fine, but it’s not recommended if that devotion results in you overpaying thousands of dollars over several years. It only takes a couple minutes to compare prices and find cheaper car insurance for a Dodge Ram.
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