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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 $1,406 a year with full coverage. Comprehensive costs on average $340 a year, collision insurance costs $476, and liability costs $410. A policy with only liability insurance costs as little as $486 a year, and a high-risk policy costs around $2,994. Teenage drivers pay the most at up to $5,166 a year.

Annual premium for full coverage: $1,406

Premium estimates by individual coverage type:

Comprehensive $340
Collision $476
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 an average driver, insurance rates for a Dodge Ram Quad Cab TRX4 Off Road 2WD range from the low end price of $486 for just liability insurance to a high of $2,994 for a driver required to buy high-risk insurance.

Liability Only $486
Full Coverage $1,406
High Risk $2,994

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 $1,055
Small Cities $1,476
Large Cities $1,898

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 $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 128% 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 $1,300 per year on average, or $108 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 $5,100 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 $970 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,790 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 $550 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 $369 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.

View Chart as Image

Dodge Ram Quad Cab TRX4 Off Road 2WD insurance cost comparison chart
Column chart showing Dodge Ram Quad Cab TRX4 Off Road 2WD insurance prices range from $833 to $5,166 for full coverage

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 $833. Drivers who use higher $1,000 deductibles will pay $1,220. The average price for a 40-year-old male driver using $500 deductibles is $1,406. Choosing low $100 deductibles for comp and collision coverage can cost as much as $1,762. Drivers with multiple violations and accidents could be charged up to $2,994. The cost for full coverage insurance for a teen driver is $5,166.

Dodge Ram Quad Cab TRX4 Off Road 2WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,272-$134-9.5%
Alaska$1,080-$326-23.2%
Arizona$1,168-$238-16.9%
Arkansas$1,406-$00.0%
California$1,604$19814.1%
Colorado$1,344-$62-4.4%
Connecticut$1,446$402.8%
Delaware$1,594$18813.4%
Florida$1,762$35625.3%
Georgia$1,300-$106-7.5%
Hawaii$1,008-$398-28.3%
Idaho$952-$454-32.3%
Illinois$1,048-$358-25.5%
Indiana$1,062-$344-24.5%
Iowa$950-$456-32.4%
Kansas$1,336-$70-5.0%
Kentucky$1,918$51236.4%
Louisiana$2,084$67848.2%
Maine$870-$536-38.1%
Maryland$1,160-$246-17.5%
Massachusetts$1,122-$284-20.2%
Michigan$2,444$1,03873.8%
Minnesota$1,180-$226-16.1%
Mississippi$1,686$28019.9%
Missouri$1,248-$158-11.2%
Montana$1,512$1067.5%
Nebraska$1,110-$296-21.1%
Nevada$1,688$28220.1%
New Hampshire$1,016-$390-27.7%
New Jersey$1,574$16811.9%
New Mexico$1,246-$160-11.4%
New York$1,482$765.4%
North Carolina$810-$596-42.4%
North Dakota$1,152-$254-18.1%
Ohio$970-$436-31.0%
Oklahoma$1,446$402.8%
Oregon$1,288-$118-8.4%
Pennsylvania$1,340-$66-4.7%
Rhode Island$1,878$47233.6%
South Carolina$1,276-$130-9.2%
South Dakota$1,188-$218-15.5%
Tennessee$1,232-$174-12.4%
Texas$1,694$28820.5%
Utah$1,040-$366-26.0%
Vermont$962-$444-31.6%
Virginia$842-$564-40.1%
Washington$1,086-$320-22.8%
West Virginia$1,290-$116-8.3%
Wisconsin$974-$432-30.7%
Wyoming$1,254-$152-10.8%

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Dodge Ram Quad Cab TRX4 Off Road 2WD insurance rates by U.S. city

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Rates by Driver Age

Dodge Ram Quad Cab TRX4 Off Road 2WD Insurance Rates by Driver Age
Driver AgePremium
16$5,166
20$3,182
30$1,464
40$1,406
50$1,282
60$1,254

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Quad Cab TRX4 Off Road 2WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,762
$250$1,600
$500$1,406
$1,000$1,220

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$1,406
50/100$1,488
100/300$1,591
250/500$1,857
100 CSL$1,529
300 CSL$1,755
500 CSL$1,919

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$7,344
20$5,036
30$3,060
40$2,994
50$2,852
60$2,822

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 $184

Potential Rate Discounts

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

DiscountSavings
Multi-policy$74
Multi-vehicle$70
Homeowner$20
5-yr Accident Free$97
5-yr Claim Free$88
Paid in Full/EFT$61
Advance Quote$65
Online Quote$98
Total Discounts$573
Rate after discounts $833

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

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