1. Vehicles
  2. Dodge
  3. Ram
  4. Quad Cab ST 4WD

Dodge Ram Quad Cab ST 4WD Insurance Rates

U.S. average insurance rates for a Dodge Ram Quad Cab ST 4WD are $1,366 a year including full coverage. Comprehensive insurance costs around $324 a year, collision insurance costs $482, and liability coverage costs around $390. Just liability insurance costs as low as $462 a year, and coverage for high-risk drivers costs $2,916 or more. Teen drivers pay the highest rates at up to $5,024 a year.

Annual premium for full coverage: $1,366

Price estimates for individual coverage type:

Comprehensive $324
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

For an average driver, Dodge Ram Quad Cab ST 4WD insurance prices range from the low end price of $462 for just liability coverage to a high of $2,916 for a driver required to buy high-risk insurance.

Liability Only $462
Full Coverage $1,366
High Risk $2,916

These price ranges highlight why it is important for drivers to compare prices for a specific zip code, rather than using 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.

Companies will appear below. Click here to load full page.

Recommended Companies for Cheap Dodge Ram Quad Cab ST 4WD Insurance

Searching Companies

Insurance rates for a Dodge Ram Quad Cab ST 4WD are also quite variable based on the model year of your Ram, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can be around 44% to 131% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $5,000 a year. View Rates by Age

The state you live in has a huge impact on Dodge Ram Quad Cab ST 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 as much as $1,890 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $540 a year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase rates by as much as $351 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so the rates may be quite different.

View Chart as Image

Dodge Ram Quad Cab ST 4WD insurance cost comparison chart
Column chart showing Dodge Ram Quad Cab ST 4WD insurance prices range from $803 to $5,024 for full coverage

The chart above shows average Dodge Ram Quad Cab ST 4WD insurance prices for various risks and coverage choices. The cheapest price with discounts is $803. Drivers who choose higher $1,000 deductibles will pay $1,182. The average price for a driver age 40 with no violations using $500 deductibles is $1,366. Choosing low $100 deductibles for collision and other-than-collision coverage could cost up to $1,716. High risk drivers could be charged at least $2,916. The cost for full coverage for a 16-year-old driver can be as high as $5,024.

Dodge Ram Quad Cab ST 4WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,314-$52-3.8%
Alaska$1,122-$244-17.9%
Arizona$1,370$40.3%
Arkansas$1,388$221.6%
California$1,536$17012.4%
Colorado$1,422$564.1%
Connecticut$1,790$42431.0%
Delaware$1,666$30022.0%
Florida$1,844$47835.0%
Georgia$1,352-$14-1.0%
Hawaii$1,474$1087.9%
Idaho$952-$414-30.3%
Illinois$1,014-$352-25.8%
Indiana$974-$392-28.7%
Iowa$1,026-$340-24.9%
Kansas$1,256-$110-8.1%
Kentucky$1,772$40629.7%
Louisiana$2,216$85062.2%
Maine$936-$430-31.5%
Maryland$1,406$402.9%
Massachusetts$1,206-$160-11.7%
Michigan$2,514$1,14884.0%
Minnesota$1,200-$166-12.2%
Mississippi$1,336-$30-2.2%
Missouri$1,166-$200-14.6%
Montana$1,238-$128-9.4%
Nebraska$1,126-$240-17.6%
Nevada$1,766$40029.3%
New Hampshire$1,116-$250-18.3%
New Jersey$1,360-$6-0.4%
New Mexico$1,268-$98-7.2%
New York$1,778$41230.2%
North Carolina$970-$396-29.0%
North Dakota$1,330-$36-2.6%
Ohio$962-$404-29.6%
Oklahoma$1,662$29621.7%
Oregon$1,278-$88-6.4%
Pennsylvania$1,540$17412.7%
Rhode Island$1,658$29221.4%
South Carolina$1,274-$92-6.7%
South Dakota$1,070-$296-21.7%
Tennessee$1,228-$138-10.1%
Texas$1,316-$50-3.7%
Utah$1,212-$154-11.3%
Vermont$974-$392-28.7%
Virginia$984-$382-28.0%
Washington$1,206-$160-11.7%
West Virginia$1,394$282.0%
Wisconsin$1,394$282.0%
Wyoming$1,512$14610.7%

View Chart as Image

Dodge Ram Quad Cab ST 4WD insurance rates by U.S. city

Compare Rates and Save

Find companies with the cheapest rates in your area

Not your model?

Choose a different trim level below

Rates by Driver Age

Dodge Ram Quad Cab ST 4WD Insurance Rates by Driver Age
Driver AgePremium
16$5,024
20$3,104
30$1,424
40$1,366
50$1,246
60$1,220

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Quad Cab ST 4WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,716
$250$1,556
$500$1,366
$1,000$1,182

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Quad Cab ST 4WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,366
50/100$1,444
100/300$1,542
250/500$1,795
100 CSL$1,483
300 CSL$1,698
500 CSL$1,854

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Quad Cab ST 4WD Insurance Rates for High Risk Drivers
AgePremium
16$7,146
20$4,918
30$2,982
40$2,916
50$2,782
60$2,750

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 $181

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$86
Paid in Full/EFT$60
Advance Quote$65
Online Quote$96
Total Discounts$563
Rate after discounts $803

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

You May Also Enjoy These Articles