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Dodge Ram Quad Cab Sport 2WD Insurance Rates

Estimated insurance prices for a Dodge Ram Quad Cab Sport 2WD are $1,530 every 12 months for full coverage. Comprehensive costs approximately $368, collision insurance costs $572, and liability costs $410. Liability-only insurance costs as little as $486 a year, and high-risk driver insurance costs around $3,274. Teenage drivers pay the most at up to $5,578 a year.

Annual premium for full coverage: $1,530

Premium estimates by type of insurance:

Comprehensive $368
Collision $572
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 driver around age 40, insurance rates for a Dodge Ram Quad Cab Sport 2WD range from the cheapest price of $486 for minimum levels of liability insurance to a much higher rate of $3,274 for a high-risk insurance policy.

Liability Only $486
Full Coverage $1,530
High Risk $3,274

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $1,148
Small Cities $1,607
Large Cities $2,066

These rate differences show why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of making a decision based on average rates.

Use the form below to get rates for your location.

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Insurance prices for a Dodge Ram Quad Cab Sport 2WD also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the replacement cost of your Ram.

Using high physical damage deductibles could save up to $630 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $369 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $5,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,800 to $2,400 additional annually, depending on your age. High-risk driver insurance can cost from 43% to 132% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Dodge Ram Quad Cab Sport 2WD insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

With such a large range of rates, the only way to know which auto insurance is cheapest is to compare rates from multiple companies. Every company uses a different method to calculate rates, and rates will be substantially different.

View Chart as Image

Dodge Ram Quad Cab Sport 2WD insurance cost comparison chart
Column chart showing Dodge Ram Quad Cab Sport 2WD insurance prices range from $892 to $5,578 for full coverage

Chart shows Dodge Ram Quad Cab Sport 2WD insurance rates for various coverage choices and risks. The cheapest discount rate is $892. Drivers who use higher $1,000 deductibles will pay $1,316. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,530. Using more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $1,940. Drivers with multiple violations and accidents could be charged up to $3,274. The price for full coverage insurance for a teenager is $5,578.

Dodge Ram Quad Cab Sport 2WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,382-$148-9.7%
Alaska$1,172-$358-23.4%
Arizona$1,270-$260-17.0%
Arkansas$1,530-$00.0%
California$1,744$21414.0%
Colorado$1,460-$70-4.6%
Connecticut$1,572$422.7%
Delaware$1,730$20013.1%
Florida$1,914$38425.1%
Georgia$1,414-$116-7.6%
Hawaii$1,096-$434-28.4%
Idaho$1,038-$492-32.2%
Illinois$1,138-$392-25.6%
Indiana$1,154-$376-24.6%
Iowa$1,032-$498-32.5%
Kansas$1,452-$78-5.1%
Kentucky$2,086$55636.3%
Louisiana$2,266$73648.1%
Maine$946-$584-38.2%
Maryland$1,262-$268-17.5%
Massachusetts$1,220-$310-20.3%
Michigan$2,656$1,12673.6%
Minnesota$1,280-$250-16.3%
Mississippi$1,834$30419.9%
Missouri$1,356-$174-11.4%
Montana$1,644$1147.5%
Nebraska$1,206-$324-21.2%
Nevada$1,836$30620.0%
New Hampshire$1,104-$426-27.8%
New Jersey$1,712$18211.9%
New Mexico$1,354-$176-11.5%
New York$1,612$825.4%
North Carolina$880-$650-42.5%
North Dakota$1,254-$276-18.0%
Ohio$1,056-$474-31.0%
Oklahoma$1,570$402.6%
Oregon$1,402-$128-8.4%
Pennsylvania$1,460-$70-4.6%
Rhode Island$2,042$51233.5%
South Carolina$1,388-$142-9.3%
South Dakota$1,290-$240-15.7%
Tennessee$1,338-$192-12.5%
Texas$1,842$31220.4%
Utah$1,130-$400-26.1%
Vermont$1,046-$484-31.6%
Virginia$914-$616-40.3%
Washington$1,182-$348-22.7%
West Virginia$1,402-$128-8.4%
Wisconsin$1,058-$472-30.8%
Wyoming$1,362-$168-11.0%

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

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Rates by Driver Age

Dodge Ram Quad Cab Sport 2WD Insurance Rates by Driver Age
Driver AgePremium
16$5,578
20$3,482
30$1,598
40$1,530
50$1,394
60$1,366

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Quad Cab Sport 2WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,940
$250$1,752
$500$1,530
$1,000$1,316

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Quad Cab Sport 2WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,530
50/100$1,612
100/300$1,715
250/500$1,981
100 CSL$1,653
300 CSL$1,879
500 CSL$2,043

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Quad Cab Sport 2WD Insurance Rates for High Risk Drivers
AgePremium
16$7,952
20$5,520
30$3,350
40$3,274
50$3,118
60$3,088

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 $205

Potential Rate Discounts

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

DiscountSavings
Multi-policy$81
Multi-vehicle$77
Homeowner$22
5-yr Accident Free$110
5-yr Claim Free$97
Paid in Full/EFT$69
Advance Quote$74
Online Quote$108
Total Discounts$638
Rate after discounts $892

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

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