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Dodge Ram Crew Cab TRX 4WD Insurance Rates

Average insurance rates for a Dodge Ram Crew Cab TRX 4WD are $1,482 a year including full coverage. Comprehensive costs around $350 each year, collision insurance costs $572, and liability coverage costs around $390. Buying just liability costs as low as $462 a year, and insurance for high-risk drivers costs around $3,182. Teenage drivers receive the highest rates at up to $5,414 a year.

Annual premium for full coverage: $1,482

Rate estimates for individual coverage:

Comprehensive $350
Collision $572
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, prices range from the low end price of $462 for just liability insurance to a high rate of $3,182 for a policy for a high-risk driver.

Liability Only $462
Full Coverage $1,482
High Risk $3,182

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.

Rural Areas $1,112
Small Cities $1,556
Large Cities $2,001

These differences highlight why all drivers should compare prices for a specific zip code, 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 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 $1,700 to $2,400 in extra premium per year, depending on your age. Insurance for high-risk drivers can be around 44% to 128% 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 $5,400 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 $1,050 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 cut prices by as much as $620 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 $351 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.

View Chart as Image

Dodge Ram Crew Cab TRX 4WD insurance cost comparison chart
Column chart showing Dodge Ram Crew Cab TRX 4WD insurance prices range from $860 to $5,414 for full coverage

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 $860. Drivers who use higher $1,000 deductibles will pay $1,272. The average price for a driver age 40 with no violations using $500 deductibles is $1,482. Using lower $100 deductibles for collision and other-than-collision coverage could cost up to $1,888. Drivers with multiple violations and accidents could be charged as much as $3,182. The policy rate for full coverage insurance for a 16-year-old driver can be as high as $5,414.

Dodge Ram Crew Cab TRX 4WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,426-$56-3.8%
Alaska$1,218-$264-17.8%
Arizona$1,488$60.4%
Arkansas$1,504$221.5%
California$1,666$18412.4%
Colorado$1,544$624.2%
Connecticut$1,942$46031.0%
Delaware$1,808$32622.0%
Florida$2,000$51835.0%
Georgia$1,468-$14-0.9%
Hawaii$1,602$1208.1%
Idaho$1,032-$450-30.4%
Illinois$1,102-$380-25.6%
Indiana$1,058-$424-28.6%
Iowa$1,114-$368-24.8%
Kansas$1,362-$120-8.1%
Kentucky$1,922$44029.7%
Louisiana$2,404$92262.2%
Maine$1,016-$466-31.4%
Maryland$1,528$463.1%
Massachusetts$1,306-$176-11.9%
Michigan$2,730$1,24884.2%
Minnesota$1,304-$178-12.0%
Mississippi$1,450-$32-2.2%
Missouri$1,266-$216-14.6%
Montana$1,342-$140-9.4%
Nebraska$1,222-$260-17.5%
Nevada$1,916$43429.3%
New Hampshire$1,210-$272-18.4%
New Jersey$1,476-$6-0.4%
New Mexico$1,376-$106-7.2%
New York$1,932$45030.4%
North Carolina$1,054-$428-28.9%
North Dakota$1,444-$38-2.6%
Ohio$1,044-$438-29.6%
Oklahoma$1,802$32021.6%
Oregon$1,388-$94-6.3%
Pennsylvania$1,672$19012.8%
Rhode Island$1,800$31821.5%
South Carolina$1,382-$100-6.7%
South Dakota$1,162-$320-21.6%
Tennessee$1,332-$150-10.1%
Texas$1,428-$54-3.6%
Utah$1,316-$166-11.2%
Vermont$1,058-$424-28.6%
Virginia$1,068-$414-27.9%
Washington$1,306-$176-11.9%
West Virginia$1,512$302.0%
Wisconsin$1,512$302.0%
Wyoming$1,640$15810.7%

View Chart as Image

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

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Rates by Driver Age

Dodge Ram Crew Cab TRX 4WD Insurance Rates by Driver Age
Driver AgePremium
16$5,414
20$3,390
30$1,550
40$1,482
50$1,352
60$1,326

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Crew Cab TRX 4WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,888
$250$1,700
$500$1,482
$1,000$1,272

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Crew Cab TRX 4WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,482
50/100$1,560
100/300$1,658
250/500$1,911
100 CSL$1,599
300 CSL$1,814
500 CSL$1,970

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Crew Cab TRX 4WD Insurance Rates for High Risk Drivers
AgePremium
16$7,726
20$5,376
30$3,260
40$3,182
50$3,034
60$3,002

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 $201

Potential Rate Discounts

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

DiscountSavings
Multi-policy$79
Multi-vehicle$75
Homeowner$21
5-yr Accident Free$108
5-yr Claim Free$94
Paid in Full/EFT$68
Advance Quote$72
Online Quote$105
Total Discounts$622
Rate after discounts $860

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

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