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Dodge Ram Crew Cab ST 4WD Insurance Rates

The average insurance rates for a Dodge Ram Crew Cab ST 4WD are $1,408 a year including full coverage. Comprehensive insurance costs around $336 each year, collision costs $512, and liability costs $390. Liability-only insurance costs as little as $462 a year, with high-risk driver insurance costing $3,012 or more. Teenage drivers cost the most to insure at $5,160 a year or more.

Annual premium for full coverage: $1,408

Policy rates for individual coverage:

Comprehensive $336
Collision $512
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

Using a middle-aged driver as an example, Dodge Ram Crew Cab ST 4WD insurance rates go from the low end price of $462 for just liability coverage to a high rate of $3,012 for a high-risk driver policy.

Liability Only $462
Full Coverage $1,408
High Risk $3,012

These price differences highlight why all drivers should compare rates for a specific zip code, instead of 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 4WD also range considerably based on the actual cash value of your Ram, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 127% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $5,100 a year. View Rates by Age

Your home state makes a big difference in Dodge Ram Crew Cab ST 4WD insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,890 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $570 every year, whereas increasing liability limits will increase prices. 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 your exact price is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, and quoted rates will be varied.

View Chart as Image

Dodge Ram Crew Cab ST 4WD insurance cost comparison chart
Column chart showing Dodge Ram Crew Cab ST 4WD insurance prices range from $826 to $5,160 for full coverage

The chart above shows average Dodge Ram Crew Cab ST 4WD insurance prices for different risks and coverage choices. The best price after discounts is $826. Drivers who use higher $1,000 deductibles will pay $1,216. The average price for a driver age 40 with no violations using $500 deductibles is $1,408. Using lower $100 deductibles for collision and other-than-collision coverage can cost as much as $1,780. Drivers with multiple violations and accidents could be charged around $3,012. The policy rate for full coverage for a 16-year-old driver is $5,160.

Dodge Ram Crew Cab ST 4WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,358-$50-3.6%
Alaska$1,156-$252-17.9%
Arizona$1,414$60.4%
Arkansas$1,432$241.7%
California$1,584$17612.5%
Colorado$1,466$584.1%
Connecticut$1,848$44031.3%
Delaware$1,718$31022.0%
Florida$1,902$49435.1%
Georgia$1,396-$12-0.9%
Hawaii$1,524$1168.2%
Idaho$982-$426-30.3%
Illinois$1,048-$360-25.6%
Indiana$1,006-$402-28.6%
Iowa$1,060-$348-24.7%
Kansas$1,296-$112-8.0%
Kentucky$1,826$41829.7%
Louisiana$2,288$88062.5%
Maine$966-$442-31.4%
Maryland$1,452$443.1%
Massachusetts$1,242-$166-11.8%
Michigan$2,592$1,18484.1%
Minnesota$1,238-$170-12.1%
Mississippi$1,380-$28-2.0%
Missouri$1,204-$204-14.5%
Montana$1,276-$132-9.4%
Nebraska$1,162-$246-17.5%
Nevada$1,820$41229.3%
New Hampshire$1,150-$258-18.3%
New Jersey$1,404-$4-0.3%
New Mexico$1,308-$100-7.1%
New York$1,836$42830.4%
North Carolina$1,002-$406-28.8%
North Dakota$1,374-$34-2.4%
Ohio$994-$414-29.4%
Oklahoma$1,714$30621.7%
Oregon$1,318-$90-6.4%
Pennsylvania$1,590$18212.9%
Rhode Island$1,710$30221.4%
South Carolina$1,314-$94-6.7%
South Dakota$1,104-$304-21.6%
Tennessee$1,266-$142-10.1%
Texas$1,358-$50-3.6%
Utah$1,252-$156-11.1%
Vermont$1,006-$402-28.6%
Virginia$1,014-$394-28.0%
Washington$1,242-$166-11.8%
West Virginia$1,436$282.0%
Wisconsin$1,438$302.1%
Wyoming$1,560$15210.8%

View Chart as Image

Dodge Ram Crew Cab ST 4WD insurance rates by U.S. city

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Rates by Driver Age

Dodge Ram Crew Cab ST 4WD Insurance Rates by Driver Age
Driver AgePremium
16$5,160
20$3,204
30$1,472
40$1,408
50$1,284
60$1,260

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Crew Cab ST 4WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,780
$250$1,610
$500$1,408
$1,000$1,216

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Crew Cab ST 4WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,408
50/100$1,486
100/300$1,584
250/500$1,837
100 CSL$1,525
300 CSL$1,740
500 CSL$1,896

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Crew Cab ST 4WD Insurance Rates for High Risk Drivers
AgePremium
16$7,348
20$5,080
30$3,082
40$3,012
50$2,874
60$2,840

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 $188

Potential Rate Discounts

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

DiscountSavings
Multi-policy$74
Multi-vehicle$70
Homeowner$20
5-yr Accident Free$100
5-yr Claim Free$89
Paid in Full/EFT$63
Advance Quote$67
Online Quote$99
Total Discounts$582
Rate after discounts $826

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

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