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Dodge Ram Quad Cab TRX4 Off Road 4WD Insurance Rates

Average insurance rates for a Dodge Ram Quad Cab TRX4 Off Road 4WD are $1,482 a year with full coverage. Comprehensive insurance costs an estimated $350 a year, collision costs $572, and liability costs $390. Just liability insurance costs as little as $462 a year, with coverage for high-risk drivers costing $3,182 or more. Teen drivers receive the highest rates at $5,414 a year or more.

Annual premium for full coverage: $1,482

Rate estimates broken down by individual coverage type:

Comprehensive $350
Collision $572
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 a driver around age 40, prices go from as low as $462 for the bare minimum liability coverage to a high of $3,182 for a high-risk insurance policy.

Liability Only $462
Full Coverage $1,482
High Risk $3,182

These differences demonstrate why it is important for drivers to compare rates for a targeted area and risk profile, instead of using price averages.

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Companies with Cheap Dodge Ram Quad Cab TRX4 Off Road 4WD Insurance

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Insurance prices for a Dodge Ram Quad Cab TRX4 Off Road 4WD can also vary considerably based on your driver profile, the actual cash value of your Ram, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $5,400 a year. View Rates by Age

Where you live makes a big difference in Dodge Ram Quad Cab TRX4 Off Road 4WD insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Vermont, Ohio, and Indiana, or as much as $1,620 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $620 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $1,700 to $2,400 additional per year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 128% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Every company uses a different rate calculation, and rates can be significantly different from one company to the next.

View Chart as Image

Dodge Ram Quad Cab TRX4 Off Road 4WD insurance cost comparison chart
Column chart showing Dodge Ram Quad Cab TRX4 Off Road 4WD insurance prices range from $860 to $5,414 for full coverage

The chart above shows Dodge Ram Quad Cab TRX4 Off Road 4WD insurance rates for different risk profiles and scenarios. The best rate after discounts is $860. Drivers who choose higher $1,000 deductibles will pay around $1,272. The average rate for a driver around age 40 using $500 deductibles is $1,482. Choosing low $100 deductibles for comp and collision coverage can cost as much as $1,888. High risk drivers could be charged as much as $3,182. The cost for full coverage for a teenage driver is $5,414.

Dodge Ram Quad Cab TRX4 Off Road 4WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,426-$56-3.8%
Alaska$1,218-$264-17.8%
Arizona$1,488$60.4%
Arkansas$1,504$221.5%
California$1,666$18412.4%
Colorado$1,544$624.2%
Connecticut$1,942$46031.0%
Delaware$1,808$32622.0%
Florida$2,000$51835.0%
Georgia$1,468-$14-0.9%
Hawaii$1,602$1208.1%
Idaho$1,032-$450-30.4%
Illinois$1,102-$380-25.6%
Indiana$1,058-$424-28.6%
Iowa$1,114-$368-24.8%
Kansas$1,362-$120-8.1%
Kentucky$1,922$44029.7%
Louisiana$2,404$92262.2%
Maine$1,016-$466-31.4%
Maryland$1,528$463.1%
Massachusetts$1,306-$176-11.9%
Michigan$2,730$1,24884.2%
Minnesota$1,304-$178-12.0%
Mississippi$1,450-$32-2.2%
Missouri$1,266-$216-14.6%
Montana$1,342-$140-9.4%
Nebraska$1,222-$260-17.5%
Nevada$1,916$43429.3%
New Hampshire$1,210-$272-18.4%
New Jersey$1,476-$6-0.4%
New Mexico$1,376-$106-7.2%
New York$1,932$45030.4%
North Carolina$1,054-$428-28.9%
North Dakota$1,444-$38-2.6%
Ohio$1,044-$438-29.6%
Oklahoma$1,802$32021.6%
Oregon$1,388-$94-6.3%
Pennsylvania$1,672$19012.8%
Rhode Island$1,800$31821.5%
South Carolina$1,382-$100-6.7%
South Dakota$1,162-$320-21.6%
Tennessee$1,332-$150-10.1%
Texas$1,428-$54-3.6%
Utah$1,316-$166-11.2%
Vermont$1,058-$424-28.6%
Virginia$1,068-$414-27.9%
Washington$1,306-$176-11.9%
West Virginia$1,512$302.0%
Wisconsin$1,512$302.0%
Wyoming$1,640$15810.7%

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Dodge Ram Quad Cab TRX4 Off Road 4WD insurance rates by U.S. city

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Rates by Driver Age

Dodge Ram Quad Cab TRX4 Off Road 4WD Insurance Rates by Driver Age
Driver AgePremium
16$5,414
20$3,390
30$1,550
40$1,482
50$1,352
60$1,326

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Quad Cab TRX4 Off Road 4WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,888
$250$1,700
$500$1,482
$1,000$1,272

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Quad Cab TRX4 Off Road 4WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,482
50/100$1,560
100/300$1,658
250/500$1,911
100 CSL$1,599
300 CSL$1,814
500 CSL$1,970

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Quad Cab TRX4 Off Road 4WD Insurance Rates for High Risk Drivers
AgePremium
16$7,726
20$5,376
30$3,260
40$3,182
50$3,034
60$3,002

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 $201

Potential Rate Discounts

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

DiscountSavings
Multi-policy$79
Multi-vehicle$75
Homeowner$21
5-yr Accident Free$108
5-yr Claim Free$94
Paid in Full/EFT$68
Advance Quote$72
Online Quote$105
Total Discounts$622
Rate after discounts $860

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

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