Dodge Ram Crew Cab TRX 4WD Insurance Rates
Average insurance rates for a Dodge Ram Crew Cab TRX 4WD are $1,562 a year including full coverage. Comprehensive costs around $368 each year, collision insurance costs $604, and liability coverage costs around $410. Buying just liability costs as low as $486 a year, and insurance for high-risk drivers costs around $3,352. Teenage drivers receive the highest rates at up to $5,702 a year.
Annual premium for full coverage: $1,562
Rate estimates for individual coverage:
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, prices range from the low end price of $486 for just liability insurance to a high rate of $3,352 for a policy for a high-risk driver.
Price Range by Location
Where you live has a large influence on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects auto insurance rates.
These differences highlight why all drivers should compare prices for a specific zip code, rather than using average rates.
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Auto insurance rates for a Dodge Ram Crew Cab TRX 4WD can also vary considerably based on the actual cash value of your Ram, your driving record and age, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are likely paying at least $1,800 to $2,500 in extra premium per year, depending on your age. Insurance for high-risk drivers can be around 44% to 129% 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 only pay around $1,400 a year for full coverage. Prices are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $5,700 a year. View Rates by Age
Where you live has a huge impact on Dodge Ram Crew Cab TRX 4WD insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.
Using high physical damage deductibles could cut prices by as much as $650 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $369 extra every year. View Rates by Deductible or Liability Limit
With so much variability in prices, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, and quoted rates can be significantly different.
The chart above shows average Dodge Ram Crew Cab TRX 4WD insurance prices for various risks and coverage choices. The cheapest price with discounts is $905. Drivers who use higher $1,000 deductibles will pay $1,340. The average price for a driver age 40 with no violations using $500 deductibles is $1,562. Using lower $100 deductibles for collision and other-than-collision coverage could cost up to $1,986. Drivers with multiple violations and accidents could be charged as much as $3,352. The policy rate for full coverage insurance for a 16-year-old driver can be as high as $5,702.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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Rate Tables and Charts
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$114|
|5-yr Claim Free||$100|
|Paid in Full/EFT||$72|
Discounts are estimated and may not be available from every company or in every state.