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Dodge Ram Quad Cab ST 2WD Insurance Rates

U.S. average auto insurance rates for a Dodge Ram Quad Cab ST 2WD are $1,348 annually for full coverage insurance. Comprehensive costs on average $312, collision costs $446, and liability costs $410. Liability-only coverage costs as little as $486 a year, with high-risk coverage costing around $2,870. Teen drivers pay the highest rates at $5,000 a year or more.

Annual premium for full coverage: $1,348

Price estimates by type of coverage:

Comprehensive $312
Collision $446
Liability $410

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

Price Range for Insurance for this Dodge Ram Trim Level

For a 40-year-old driver, Dodge Ram Quad Cab ST 2WD insurance prices go from as cheap as $486 for your basic liability-only policy to the much higher price of $2,870 for high-risk insurance.

Liability Only $486
Full Coverage $1,348
High Risk $2,870

Geographic Price Range

Your location can make a big difference on insurance rates. Rural areas have fewer physical damage claims than larger metro areas.

The example below illustrates how your location can change car insurance rates.

Rural Areas $1,011
Small Cities $1,415
Large Cities $1,820

These price ranges illustrate why everyone should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Auto insurance rates for a Dodge Ram Quad Cab ST 2WD are also quite variable based on the actual cash value of your Ram, your risk profile, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards of $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,100 in extra premium each year, depending on your age. Dodge Ram Quad Cab ST 2WD insurance for high-risk drivers can cost from 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $500 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $369 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Dodge Ram Quad Cab ST 2WD insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Every company uses a different rate calculation, and quoted rates may be quite different between companies.

View Chart as Image

Dodge Ram Quad Cab ST 2WD insurance cost comparison chart
Column chart showing Dodge Ram Quad Cab ST 2WD insurance prices range from $803 to $5,000 for full coverage

The chart estimates Dodge Ram Quad Cab ST 2WD insurance prices for different situations. The cheapest discount price is $803. Drivers who choose higher $1,000 deductibles will pay about $1,176. The average price for a 40-year-old male driver using $500 deductibles is $1,348. Selecting more expensive $100 deductibles for physical damage coverage can cost as much as $1,676. High risk drivers could be charged at least $2,870. The rate for full coverage insurance for a teen driver is $5,000.

Dodge Ram Quad Cab ST 2WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,218-$130-9.6%
Alaska$1,034-$314-23.3%
Arizona$1,120-$228-16.9%
Arkansas$1,348-$00.0%
California$1,536$18813.9%
Colorado$1,284-$64-4.7%
Connecticut$1,386$382.8%
Delaware$1,526$17813.2%
Florida$1,686$33825.1%
Georgia$1,246-$102-7.6%
Hawaii$966-$382-28.3%
Idaho$914-$434-32.2%
Illinois$1,004-$344-25.5%
Indiana$1,018-$330-24.5%
Iowa$910-$438-32.5%
Kansas$1,278-$70-5.2%
Kentucky$1,838$49036.4%
Louisiana$1,994$64647.9%
Maine$832-$516-38.3%
Maryland$1,112-$236-17.5%
Massachusetts$1,076-$272-20.2%
Michigan$2,340$99273.6%
Minnesota$1,128-$220-16.3%
Mississippi$1,616$26819.9%
Missouri$1,196-$152-11.3%
Montana$1,448$1007.4%
Nebraska$1,062-$286-21.2%
Nevada$1,616$26819.9%
New Hampshire$972-$376-27.9%
New Jersey$1,510$16212.0%
New Mexico$1,192-$156-11.6%
New York$1,420$725.3%
North Carolina$776-$572-42.4%
North Dakota$1,104-$244-18.1%
Ohio$932-$416-30.9%
Oklahoma$1,382$342.5%
Oregon$1,234-$114-8.5%
Pennsylvania$1,284-$64-4.7%
Rhode Island$1,798$45033.4%
South Carolina$1,224-$124-9.2%
South Dakota$1,138-$210-15.6%
Tennessee$1,180-$168-12.5%
Texas$1,622$27420.3%
Utah$998-$350-26.0%
Vermont$922-$426-31.6%
Virginia$806-$542-40.2%
Washington$1,042-$306-22.7%
West Virginia$1,234-$114-8.5%
Wisconsin$932-$416-30.9%
Wyoming$1,200-$148-11.0%

View Chart as Image

Dodge Ram Quad Cab ST 2WD insurance rates by U.S. city

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Rates by Driver Age

Dodge Ram Quad Cab ST 2WD Insurance Rates by Driver Age
Driver AgePremium
16$5,000
20$3,054
30$1,400
40$1,348
50$1,230
60$1,204

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Quad Cab ST 2WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,676
$250$1,526
$500$1,348
$1,000$1,176

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Quad Cab ST 2WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,348
50/100$1,430
100/300$1,533
250/500$1,799
100 CSL$1,471
300 CSL$1,697
500 CSL$1,861

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Quad Cab ST 2WD Insurance Rates for High Risk Drivers
AgePremium
16$7,098
20$4,836
30$2,928
40$2,870
50$2,736
60$2,708

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 $177

Potential Rate Discounts

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

DiscountSavings
Multi-policy$70
Multi-vehicle$67
Homeowner$20
5-yr Accident Free$92
5-yr Claim Free$84
Paid in Full/EFT$57
Advance Quote$62
Online Quote$93
Total Discounts$545
Rate after discounts $803

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

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