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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 $1,278 annually for full coverage insurance. Comprehensive costs on average $296, collision costs $422, and liability costs $390. Liability-only coverage costs as little as $462 a year, with high-risk coverage costing around $2,726. Teen drivers pay the highest rates at $4,750 a year or more.

Annual premium for full coverage: $1,278

Price estimates by type of coverage:

Comprehensive $296
Collision $422
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

For a 40-year-old driver, Dodge Ram Quad Cab ST 2WD insurance prices go from as cheap as $462 for your basic liability-only policy to the much higher price of $2,726 for high-risk insurance.

Liability Only $462
Full Coverage $1,278
High Risk $2,726

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 $959
Small Cities $1,342
Large Cities $1,725

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 $1,200 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 $4,700 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 $1,500 to $2,000 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 131% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $480 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 $351 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 $1,170 a year in states like North Carolina, , and , or as much as $1,670 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.

The chart estimates Dodge Ram Quad Cab ST 2WD insurance prices for different situations. The cheapest discount price is $760. Drivers who choose higher $1,000 deductibles will pay about $1,116. The average price for a 40-year-old male driver using $500 deductibles is $1,278. Selecting more expensive $100 deductibles for physical damage coverage can cost as much as $1,592. High risk drivers could be charged at least $2,726. The rate for full coverage insurance for a teen driver is $4,750.

Dodge Ram Quad Cab ST 2WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,232-$46-3.6%
Alaska$1,050-$228-17.8%
Arizona$1,284$60.5%
Arkansas$1,300$221.7%
California$1,438$16012.5%
Colorado$1,332$544.2%
Connecticut$1,678$40031.3%
Delaware$1,560$28222.1%
Florida$1,726$44835.1%
Georgia$1,268-$10-0.8%
Hawaii$1,382$1048.1%
Idaho$890-$388-30.4%
Illinois$950-$328-25.7%
Indiana$914-$364-28.5%
Iowa$964-$314-24.6%
Kansas$1,174-$104-8.1%
Kentucky$1,660$38229.9%
Louisiana$2,078$80062.6%
Maine$878-$400-31.3%
Maryland$1,318$403.1%
Massachusetts$1,128-$150-11.7%
Michigan$2,356$1,07884.4%
Minnesota$1,124-$154-12.1%
Mississippi$1,252-$26-2.0%
Missouri$1,092-$186-14.6%
Montana$1,160-$118-9.2%
Nebraska$1,054-$224-17.5%
Nevada$1,654$37629.4%
New Hampshire$1,044-$234-18.3%
New Jersey$1,276-$2-0.2%
New Mexico$1,188-$90-7.0%
New York$1,666$38830.4%
North Carolina$908-$370-29.0%
North Dakota$1,248-$30-2.3%
Ohio$902-$376-29.4%
Oklahoma$1,556$27821.8%
Oregon$1,198-$80-6.3%
Pennsylvania$1,442$16412.8%
Rhode Island$1,552$27421.4%
South Carolina$1,192-$86-6.7%
South Dakota$1,002-$276-21.6%
Tennessee$1,150-$128-10.0%
Texas$1,232-$46-3.6%
Utah$1,138-$140-11.0%
Vermont$914-$364-28.5%
Virginia$922-$356-27.9%
Washington$1,128-$150-11.7%
West Virginia$1,304$262.0%
Wisconsin$1,306$282.2%
Wyoming$1,416$13810.8%

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Rates by Driver Age

Dodge Ram Quad Cab ST 2WD Insurance Rates by Driver Age
Driver AgePremium
16$4,750
20$2,900
30$1,330
40$1,278
50$1,166
60$1,144

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Quad Cab ST 2WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,592
$250$1,450
$500$1,278
$1,000$1,116

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$1,278
50/100$1,356
100/300$1,454
250/500$1,707
100 CSL$1,395
300 CSL$1,610
500 CSL$1,766

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Quad Cab ST 2WD Insurance Rates for High Risk Drivers
AgePremium
16$6,738
20$4,594
30$2,784
40$2,726
50$2,600
60$2,570

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 $168

Potential Rate Discounts

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

DiscountSavings
Multi-policy$66
Multi-vehicle$64
Homeowner$19
5-yr Accident Free$87
5-yr Claim Free$80
Paid in Full/EFT$54
Advance Quote$59
Online Quote$89
Total Discounts$518
Rate after discounts $760

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

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