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Dodge Ram Quad Cab TRX4 Off Road 2WD Insurance Rates

Estimated insurance rates for a Dodge Ram Quad Cab TRX4 Off Road 2WD are $1,336 a year with full coverage. Comprehensive costs on average $324 a year, collision insurance costs $452, and liability costs $390. A policy with only liability insurance costs as little as $462 a year, and a high-risk policy costs around $2,842. Teenage drivers pay the most at up to $4,906 a year.

Annual premium for full coverage: $1,336

Premium estimates by individual coverage type:

Comprehensive $324
Collision $452
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, insurance rates for a Dodge Ram Quad Cab TRX4 Off Road 2WD range from the low end price of $462 for just liability insurance to a high of $2,842 for a driver required to buy high-risk insurance.

Liability Only $462
Full Coverage $1,336
High Risk $2,842

Insurance Price Range by Location

Your location can have significant affects on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,002
Small Cities $1,403
Large Cities $1,804

These rate differences demonstrate why it is important for drivers to compare rates based on a specific location, instead of using average rates.

Use the form below to get rates for your location.

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Companies with Cheap Dodge Ram Quad Cab TRX4 Off Road 2WD Insurance

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Car insurance rates for a Dodge Ram Quad Cab TRX4 Off Road 2WD also have a wide range based on the model year of your Ram, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 126% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $4,900 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Ram Quad Cab TRX4 Off Road 2WD insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,620 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $520 every year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range of prices, the best way to find out exactly what you will pay is to get quotes and see which company has the best price. Every company uses a different method to calculate prices, so rate quotes will be substantially different.

The chart above shows Dodge Ram Quad Cab TRX4 Off Road 2WD insurance prices for various risks and coverage choices. The best price after discounts is $792. Drivers who use higher $1,000 deductibles will pay $1,160. The average price for a 40-year-old male driver using $500 deductibles is $1,336. Choosing low $100 deductibles for comp and collision coverage can cost as much as $1,672. Drivers with multiple violations and accidents could be charged up to $2,842. The cost for full coverage insurance for a teen driver is $4,906.

Dodge Ram Quad Cab TRX4 Off Road 2WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,286-$50-3.7%
Alaska$1,098-$238-17.8%
Arizona$1,340$40.3%
Arkansas$1,358$221.6%
California$1,502$16612.4%
Colorado$1,390$544.0%
Connecticut$1,752$41631.1%
Delaware$1,630$29422.0%
Florida$1,802$46634.9%
Georgia$1,322-$14-1.0%
Hawaii$1,442$1067.9%
Idaho$932-$404-30.2%
Illinois$992-$344-25.7%
Indiana$952-$384-28.7%
Iowa$1,004-$332-24.9%
Kansas$1,228-$108-8.1%
Kentucky$1,732$39629.6%
Louisiana$2,168$83262.3%
Maine$916-$420-31.4%
Maryland$1,376$403.0%
Massachusetts$1,180-$156-11.7%
Michigan$2,458$1,12284.0%
Minnesota$1,174-$162-12.1%
Mississippi$1,308-$28-2.1%
Missouri$1,140-$196-14.7%
Montana$1,210-$126-9.4%
Nebraska$1,100-$236-17.7%
Nevada$1,726$39029.2%
New Hampshire$1,090-$246-18.4%
New Jersey$1,330-$6-0.4%
New Mexico$1,240-$96-7.2%
New York$1,740$40430.2%
North Carolina$950-$386-28.9%
North Dakota$1,300-$36-2.7%
Ohio$940-$396-29.6%
Oklahoma$1,624$28821.6%
Oregon$1,250-$86-6.4%
Pennsylvania$1,506$17012.7%
Rhode Island$1,622$28621.4%
South Carolina$1,246-$90-6.7%
South Dakota$1,046-$290-21.7%
Tennessee$1,200-$136-10.2%
Texas$1,288-$48-3.6%
Utah$1,186-$150-11.2%
Vermont$952-$384-28.7%
Virginia$962-$374-28.0%
Washington$1,180-$156-11.7%
West Virginia$1,362$261.9%
Wisconsin$1,364$282.1%
Wyoming$1,478$14210.6%

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Rates by Driver Age

Dodge Ram Quad Cab TRX4 Off Road 2WD Insurance Rates by Driver Age
Driver AgePremium
16$4,906
20$3,020
30$1,392
40$1,336
50$1,218
60$1,192

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Quad Cab TRX4 Off Road 2WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,672
$250$1,520
$500$1,336
$1,000$1,160

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Quad Cab TRX4 Off Road 2WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,336
50/100$1,414
100/300$1,512
250/500$1,765
100 CSL$1,453
300 CSL$1,668
500 CSL$1,824

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Quad Cab TRX4 Off Road 2WD Insurance Rates for High Risk Drivers
AgePremium
16$6,972
20$4,784
30$2,906
40$2,842
50$2,712
60$2,680

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 $175

Potential Rate Discounts

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

DiscountSavings
Multi-policy$70
Multi-vehicle$66
Homeowner$19
5-yr Accident Free$92
5-yr Claim Free$84
Paid in Full/EFT$58
Advance Quote$62
Online Quote$93
Total Discounts$544
Rate after discounts $792

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

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