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Dodge Ram Crew Cab TRX 2WD Insurance Rates

U.S. average insurance prices for a Dodge Ram Crew Cab TRX 2WD are $1,378 every 12 months for full coverage. Comprehensive insurance costs approximately $336, collision insurance costs $482, and liability coverage costs around $390. Buying just liability costs as low as $462 a year, and insurance for high-risk drivers costs $2,938 or more. Teenage drivers pay the highest rates at up to $5,044 a year.

Annual premium for full coverage: $1,378

Price estimates by type of coverage:

Comprehensive $336
Collision $482
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 40-year-old driver as an example, Dodge Ram Crew Cab TRX 2WD insurance prices range from the cheapest price of $462 for just liability insurance to the much higher price of $2,938 for a policy for a high-risk driver.

Liability Only $462
Full Coverage $1,378
High Risk $2,938

These price ranges show why everyone should compare prices using their specific location and their own driving history, rather than using average rates.

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Insurance prices for a Dodge Ram Crew Cab TRX 2WD are also quite variable based on deductibles and policy limits, your driver profile, and the replacement cost of your Ram.

Using high physical damage deductibles could cut rates by as much as $550 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $351 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,300 a year for full coverage. Rates are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,200 additional each year, depending on your age. Dodge Ram Crew Cab TRX 2WD insurance for high-risk drivers can be around 44% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Dodge Ram Crew Cab TRX 2WD insurance rates. A driver around age 40 might see rates as low as $920 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,890 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Since rates can be so different, the only way to know which auto insurance is cheapest is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and rates may be quite different.

View Chart as Image

Dodge Ram Crew Cab TRX 2WD insurance cost comparison chart
Column chart showing Dodge Ram Crew Cab TRX 2WD insurance prices range from $813 to $5,044 for full coverage

Chart shows Dodge Ram Crew Cab TRX 2WD insurance rates for various coverage choices and risks. The cheapest rate with discounts is $813. Drivers who use higher $1,000 deductibles will pay $1,192. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,378. Selecting more expensive $100 deductibles for comprehensive and collision insurance could cost up to $1,736. Drivers with multiple violations and accidents could be charged at least $2,938. The rate for full coverage for a teenager can be as high as $5,044.

Dodge Ram Crew Cab TRX 2WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,328-$50-3.6%
Alaska$1,132-$246-17.9%
Arizona$1,384$60.4%
Arkansas$1,402$241.7%
California$1,550$17212.5%
Colorado$1,436$584.2%
Connecticut$1,808$43031.2%
Delaware$1,682$30422.1%
Florida$1,862$48435.1%
Georgia$1,366-$12-0.9%
Hawaii$1,490$1128.1%
Idaho$960-$418-30.3%
Illinois$1,024-$354-25.7%
Indiana$984-$394-28.6%
Iowa$1,036-$342-24.8%
Kansas$1,268-$110-8.0%
Kentucky$1,788$41029.8%
Louisiana$2,238$86062.4%
Maine$944-$434-31.5%
Maryland$1,420$423.0%
Massachusetts$1,216-$162-11.8%
Michigan$2,538$1,16084.2%
Minnesota$1,212-$166-12.0%
Mississippi$1,350-$28-2.0%
Missouri$1,178-$200-14.5%
Montana$1,250-$128-9.3%
Nebraska$1,138-$240-17.4%
Nevada$1,782$40429.3%
New Hampshire$1,126-$252-18.3%
New Jersey$1,374-$4-0.3%
New Mexico$1,280-$98-7.1%
New York$1,796$41830.3%
North Carolina$980-$398-28.9%
North Dakota$1,344-$34-2.5%
Ohio$972-$406-29.5%
Oklahoma$1,678$30021.8%
Oregon$1,290-$88-6.4%
Pennsylvania$1,556$17812.9%
Rhode Island$1,674$29621.5%
South Carolina$1,286-$92-6.7%
South Dakota$1,080-$298-21.6%
Tennessee$1,240-$138-10.0%
Texas$1,328-$50-3.6%
Utah$1,224-$154-11.2%
Vermont$984-$394-28.6%
Virginia$994-$384-27.9%
Washington$1,216-$162-11.8%
West Virginia$1,406$282.0%
Wisconsin$1,408$302.2%
Wyoming$1,526$14810.7%

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Dodge Ram Crew Cab TRX 2WD insurance rates by U.S. city

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Rates by Driver Age

Dodge Ram Crew Cab TRX 2WD Insurance Rates by Driver Age
Driver AgePremium
16$5,044
20$3,122
30$1,438
40$1,378
50$1,256
60$1,232

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Crew Cab TRX 2WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,736
$250$1,572
$500$1,378
$1,000$1,192

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Crew Cab TRX 2WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,378
50/100$1,456
100/300$1,554
250/500$1,807
100 CSL$1,495
300 CSL$1,710
500 CSL$1,866

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Crew Cab TRX 2WD Insurance Rates for High Risk Drivers
AgePremium
16$7,174
20$4,946
30$3,004
40$2,938
50$2,802
60$2,768

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 $182

Potential Rate Discounts

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

DiscountSavings
Multi-policy$72
Multi-vehicle$68
Homeowner$20
5-yr Accident Free$96
5-yr Claim Free$87
Paid in Full/EFT$60
Advance Quote$65
Online Quote$97
Total Discounts$565
Rate after discounts $813

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

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