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Dodge Ram Quad Cab Sport 4WD Insurance Rates

U.S. average insurance rates for a Dodge Ram Quad Cab Sport 4WD are $1,524 a year with full coverage. Comprehensive costs on average $362, collision costs $602, and liability insurance costs $390. Liability-only insurance costs as little as $462 a year, with high-risk driver insurance costing around $3,278. Teen drivers pay the highest rates at $5,552 a year or more.

Annual premium for full coverage: $1,524

Price estimates by type of insurance:

Comprehensive $362
Collision $602
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

Using a middle-aged driver as an example, Dodge Ram Quad Cab Sport 4WD insurance prices go from the low end price of $462 for a discount liability-only rate to a much higher rate of $3,278 for a high-risk driver policy.

Liability Only $462
Full Coverage $1,524
High Risk $3,278

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.

Rural Areas $1,143
Small Cities $1,600
Large Cities $2,057

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.

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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 $1,800 to $2,400 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 43% 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 $1,400 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 $5,500 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 $920 a year in states like Indiana, Ohio, and Vermont, or as much as $1,620 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 $650 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 $351 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.

View Chart as Image

Dodge Ram Quad Cab Sport 4WD insurance cost comparison chart
Column chart showing Dodge Ram Quad Cab Sport 4WD insurance prices range from $881 to $5,552 for full coverage

The chart above shows Dodge Ram Quad Cab Sport 4WD insurance prices for different risks and coverage choices. The lowest price with discounts is $881. Drivers who choose higher $1,000 deductibles will pay $1,306. The average price for a 40-year-old male driver using $500 deductibles is $1,524. Using more expensive $100 deductibles for comp and collision coverage can cost as much as $1,950. High risk drivers could be charged at least $3,278. The price for full coverage insurance for a teen driver is $5,552.

Dodge Ram Quad Cab Sport 4WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,468-$56-3.7%
Alaska$1,252-$272-17.8%
Arizona$1,532$80.5%
Arkansas$1,550$261.7%
California$1,716$19212.6%
Colorado$1,588$644.2%
Connecticut$2,000$47631.2%
Delaware$1,860$33622.0%
Florida$2,060$53635.2%
Georgia$1,512-$12-0.8%
Hawaii$1,648$1248.1%
Idaho$1,062-$462-30.3%
Illinois$1,134-$390-25.6%
Indiana$1,088-$436-28.6%
Iowa$1,146-$378-24.8%
Kansas$1,402-$122-8.0%
Kentucky$1,978$45429.8%
Louisiana$2,476$95262.5%
Maine$1,044-$480-31.5%
Maryland$1,572$483.1%
Massachusetts$1,346-$178-11.7%
Michigan$2,808$1,28484.3%
Minnesota$1,340-$184-12.1%
Mississippi$1,494-$30-2.0%
Missouri$1,302-$222-14.6%
Montana$1,382-$142-9.3%
Nebraska$1,258-$266-17.5%
Nevada$1,974$45029.5%
New Hampshire$1,246-$278-18.2%
New Jersey$1,520-$4-0.3%
New Mexico$1,416-$108-7.1%
New York$1,986$46230.3%
North Carolina$1,084-$440-28.9%
North Dakota$1,486-$38-2.5%
Ohio$1,074-$450-29.5%
Oklahoma$1,856$33221.8%
Oregon$1,428-$96-6.3%
Pennsylvania$1,720$19612.9%
Rhode Island$1,852$32821.5%
South Carolina$1,422-$102-6.7%
South Dakota$1,194-$330-21.7%
Tennessee$1,372-$152-10.0%
Texas$1,470-$54-3.5%
Utah$1,356-$168-11.0%
Vermont$1,088-$436-28.6%
Virginia$1,100-$424-27.8%
Washington$1,346-$178-11.7%
West Virginia$1,556$322.1%
Wisconsin$1,556$322.1%
Wyoming$1,688$16410.8%

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

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Rates by Driver Age

Dodge Ram Quad Cab Sport 4WD Insurance Rates by Driver Age
Driver AgePremium
16$5,552
20$3,490
30$1,598
40$1,524
50$1,390
60$1,364

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Quad Cab Sport 4WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,950
$250$1,754
$500$1,524
$1,000$1,306

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Quad Cab Sport 4WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,524
50/100$1,602
100/300$1,700
250/500$1,953
100 CSL$1,641
300 CSL$1,856
500 CSL$2,012

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Quad Cab Sport 4WD Insurance Rates for High Risk Drivers
AgePremium
16$7,928
20$5,540
30$3,358
40$3,278
50$3,126
60$3,092

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 $207

Potential Rate Discounts

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

DiscountSavings
Multi-policy$81
Multi-vehicle$77
Homeowner$21
5-yr Accident Free$113
5-yr Claim Free$97
Paid in Full/EFT$71
Advance Quote$75
Online Quote$108
Total Discounts$643
Rate after discounts $881

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

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