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Dodge Ram Crew Cab ST 2WD Insurance Rates

The average insurance rates for a Dodge Ram Crew Cab ST 2WD are $1,336 a year including full coverage. Comprehensive costs approximately $324, collision costs $452, and liability coverage costs around $390. Liability-only insurance costs as low as $462 a year, with high-risk driver insurance costing around $2,842. Teenage drivers cost the most to insure at $4,906 a year or more.

Annual premium for full coverage: $1,336

Policy rates by type of insurance:

Comprehensive $324
Collision $452
Liability $390

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Dodge Ram Trim Level

For the average 40-year-old driver, Dodge Ram Crew Cab ST 2WD insurance rates go from the low end price of $462 for your basic liability-only policy to a much higher rate of $2,842 for coverage for higher-risk drivers.

Liability Only $462
Full Coverage $1,336
High Risk $2,842

Urban vs. Rural Price Range

Where you live has a large influence on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance prices.

Rural Areas $1,002
Small Cities $1,403
Large Cities $1,804

These price differences highlight why anyone shopping for car insurance should compare prices using their specific location, rather than using average rates.

Use the form below to get rates for your location.

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Auto insurance rates for a Dodge Ram Crew Cab ST 2WD also range considerably based on the model year, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance can be around 43% to 126% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $4,900 a year. View Rates by Age

Your home state has a huge impact on Dodge Ram Crew Cab ST 2WD insurance rates. A driver around age 40 might see prices as low as $1,050 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,890 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut prices by as much as $520 a year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $351 extra every year. View Rates by Deductible or Liability Limit

Because prices have so much variability, the best way to figure out which insurance company is cheapest is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and quoted rates will be varied.

The chart above shows average Dodge Ram Crew Cab ST 2WD insurance prices for different risks and coverage choices. The cheapest price with discounts is $792. Drivers who use higher $1,000 deductibles will pay $1,160. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,336. Using more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,672. Drivers with multiple violations and accidents could be charged around $2,842. The price for full coverage insurance for a teenager can be as high as $4,906.

Dodge Ram Crew Cab ST 2WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,286-$50-3.7%
Alaska$1,098-$238-17.8%
Arizona$1,340$40.3%
Arkansas$1,358$221.6%
California$1,502$16612.4%
Colorado$1,390$544.0%
Connecticut$1,752$41631.1%
Delaware$1,630$29422.0%
Florida$1,802$46634.9%
Georgia$1,322-$14-1.0%
Hawaii$1,442$1067.9%
Idaho$932-$404-30.2%
Illinois$992-$344-25.7%
Indiana$952-$384-28.7%
Iowa$1,004-$332-24.9%
Kansas$1,228-$108-8.1%
Kentucky$1,732$39629.6%
Louisiana$2,168$83262.3%
Maine$916-$420-31.4%
Maryland$1,376$403.0%
Massachusetts$1,180-$156-11.7%
Michigan$2,458$1,12284.0%
Minnesota$1,174-$162-12.1%
Mississippi$1,308-$28-2.1%
Missouri$1,140-$196-14.7%
Montana$1,210-$126-9.4%
Nebraska$1,100-$236-17.7%
Nevada$1,726$39029.2%
New Hampshire$1,090-$246-18.4%
New Jersey$1,330-$6-0.4%
New Mexico$1,240-$96-7.2%
New York$1,740$40430.2%
North Carolina$950-$386-28.9%
North Dakota$1,300-$36-2.7%
Ohio$940-$396-29.6%
Oklahoma$1,624$28821.6%
Oregon$1,250-$86-6.4%
Pennsylvania$1,506$17012.7%
Rhode Island$1,622$28621.4%
South Carolina$1,246-$90-6.7%
South Dakota$1,046-$290-21.7%
Tennessee$1,200-$136-10.2%
Texas$1,288-$48-3.6%
Utah$1,186-$150-11.2%
Vermont$952-$384-28.7%
Virginia$962-$374-28.0%
Washington$1,180-$156-11.7%
West Virginia$1,362$261.9%
Wisconsin$1,364$282.1%
Wyoming$1,478$14210.6%

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Rates by Driver Age

Dodge Ram Crew Cab ST 2WD Insurance Rates by Driver Age
Driver AgePremium
16$4,906
20$3,020
30$1,392
40$1,336
50$1,218
60$1,192

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Crew Cab ST 2WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,672
$250$1,520
$500$1,336
$1,000$1,160

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Crew Cab ST 2WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,336
50/100$1,414
100/300$1,512
250/500$1,765
100 CSL$1,453
300 CSL$1,668
500 CSL$1,824

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Crew Cab ST 2WD Insurance Rates for High Risk Drivers
AgePremium
16$6,972
20$4,784
30$2,906
40$2,842
50$2,712
60$2,680

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 $175

Potential Rate Discounts

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

DiscountSavings
Multi-policy$70
Multi-vehicle$66
Homeowner$19
5-yr Accident Free$92
5-yr Claim Free$84
Paid in Full/EFT$58
Advance Quote$62
Online Quote$93
Total Discounts$544
Rate after discounts $792

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

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