Dodge Ram Quad Cab Sport 4WD Insurance Rates
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U.S. average insurance rates for a Dodge Ram Quad Cab Sport 4WD are $1,606 a year with full coverage. Comprehensive costs on average $382, collision costs $634, and liability insurance costs $410. Liability-only insurance costs as little as $486 a year, with high-risk driver insurance costing around $3,450. Teen drivers pay the highest rates at $5,846 a year or more.
Annual premium for full coverage: $1,606
Price estimates by type of insurance:
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 middle-aged driver as an example, Dodge Ram Quad Cab Sport 4WD insurance prices go from the low end price of $486 for a discount liability-only rate to a much higher rate of $3,450 for a high-risk driver policy.
Geographic Price Range
Your location has a significant impact on auto insurance rates. Rural areas have lower incidents of collision claims than larger metro areas.
The price range example below illustrates how where you live affects car insurance rates.
These price ranges demonstrate why anyone shopping for car insurance should compare rates based on a specific location, rather than relying 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.
Recommended Companies for Cheap Dodge Ram Quad Cab Sport 4WD Insurance
Car insurance rates for a Dodge Ram Quad Cab Sport 4WD are also quite variable based on the model year, your age and driving habits, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,900 to $2,600 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 132% more than average. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,500 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged upwards of $5,800 a year. View Rates by Age
The state you live in makes a big difference in Dodge Ram Quad Cab Sport 4WD insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Indiana, Ohio, and Vermont, or as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.
Choosing high deductibles could save up to $680 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase rates by as much as $369 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out exactly what you will pay is to compare prices from as many companies as possible. Every company uses a different rate calculation, so rate quotes may be quite different.
The chart above shows Dodge Ram Quad Cab Sport 4WD insurance prices for different risks and coverage choices. The lowest price with discounts is $929. Drivers who choose higher $1,000 deductibles will pay $1,376. The average price for a 40-year-old male driver using $500 deductibles is $1,606. Using more expensive $100 deductibles for comp and collision coverage can cost as much as $2,054. High risk drivers could be charged at least $3,450. The price for full coverage insurance for a teen driver is $5,846.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,454 | -$152 | -9.5% |
| Alaska | $1,230 | -$376 | -23.4% |
| Arizona | $1,334 | -$272 | -16.9% |
| Arkansas | $1,606 | -$0 | 0.0% |
| California | $1,832 | $226 | 14.1% |
| Colorado | $1,532 | -$74 | -4.6% |
| Connecticut | $1,650 | $44 | 2.7% |
| Delaware | $1,818 | $212 | 13.2% |
| Florida | $2,012 | $406 | 25.3% |
| Georgia | $1,486 | -$120 | -7.5% |
| Hawaii | $1,152 | -$454 | -28.3% |
| Idaho | $1,088 | -$518 | -32.3% |
| Illinois | $1,196 | -$410 | -25.5% |
| Indiana | $1,212 | -$394 | -24.5% |
| Iowa | $1,084 | -$522 | -32.5% |
| Kansas | $1,524 | -$82 | -5.1% |
| Kentucky | $2,192 | $586 | 36.5% |
| Louisiana | $2,380 | $774 | 48.2% |
| Maine | $994 | -$612 | -38.1% |
| Maryland | $1,326 | -$280 | -17.4% |
| Massachusetts | $1,284 | -$322 | -20.0% |
| Michigan | $2,790 | $1,184 | 73.7% |
| Minnesota | $1,346 | -$260 | -16.2% |
| Mississippi | $1,926 | $320 | 19.9% |
| Missouri | $1,426 | -$180 | -11.2% |
| Montana | $1,726 | $120 | 7.5% |
| Nebraska | $1,268 | -$338 | -21.0% |
| Nevada | $1,928 | $322 | 20.0% |
| New Hampshire | $1,160 | -$446 | -27.8% |
| New Jersey | $1,800 | $194 | 12.1% |
| New Mexico | $1,422 | -$184 | -11.5% |
| New York | $1,692 | $86 | 5.4% |
| North Carolina | $926 | -$680 | -42.3% |
| North Dakota | $1,316 | -$290 | -18.1% |
| Ohio | $1,110 | -$496 | -30.9% |
| Oklahoma | $1,650 | $44 | 2.7% |
| Oregon | $1,472 | -$134 | -8.3% |
| Pennsylvania | $1,532 | -$74 | -4.6% |
| Rhode Island | $2,144 | $538 | 33.5% |
| South Carolina | $1,456 | -$150 | -9.3% |
| South Dakota | $1,356 | -$250 | -15.6% |
| Tennessee | $1,406 | -$200 | -12.5% |
| Texas | $1,934 | $328 | 20.4% |
| Utah | $1,188 | -$418 | -26.0% |
| Vermont | $1,100 | -$506 | -31.5% |
| Virginia | $962 | -$644 | -40.1% |
| Washington | $1,242 | -$364 | -22.7% |
| West Virginia | $1,472 | -$134 | -8.3% |
| Wisconsin | $1,112 | -$494 | -30.8% |
| Wyoming | $1,432 | -$174 | -10.8% |
Rate Tables and Charts
Not your model?
Choose a different trim level below
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,846 |
| 20 | $3,676 |
| 30 | $1,682 |
| 40 | $1,606 |
| 50 | $1,464 |
| 60 | $1,434 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,054 |
| $250 | $1,848 |
| $500 | $1,606 |
| $1,000 | $1,376 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,606 |
| 50/100 | $1,688 |
| 100/300 | $1,791 |
| 250/500 | $2,057 |
| 100 CSL | $1,729 |
| 300 CSL | $1,955 |
| 500 CSL | $2,119 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,350 |
| 20 | $5,832 |
| 30 | $3,536 |
| 40 | $3,450 |
| 50 | $3,288 |
| 60 | $3,258 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $86 |
| Multi-vehicle | $81 |
| Homeowner | $22 |
| 5-yr Accident Free | $118 |
| 5-yr Claim Free | $103 |
| Paid in Full/EFT | $74 |
| Advance Quote | $79 |
| Online Quote | $114 |
| Total Discounts | $677 |
Discounts are estimated and may not be available from every company or in every state.
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