Dodge Ram Quad Cab ST 4WD Insurance Rates

U.S. average insurance rates for a Dodge Ram Quad Cab ST 4WD are $1,438 a year including full coverage. Comprehensive insurance costs around $340 a year, collision insurance costs $508, and liability coverage costs around $410. Just liability insurance costs as low as $486 a year, and coverage for high-risk drivers costs $3,072 or more. Teen drivers pay the highest rates at up to $5,290 a year.

Annual premium for full coverage: $1,438

Price estimates for individual coverage type:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Dodge Ram Trim Level

These price ranges highlight why it is important for drivers to compare prices for a specific zip code, rather than using price averages.

Use the form below to get rates for your location.

Insurance rates for a Dodge Ram Quad Cab ST 4WD are also quite variable based on the model year of your Ram, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can be around 43% to 132% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $5,200 a year. View Rates by Age

The state you live in has a huge impact on Dodge Ram Quad Cab ST 4WD insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like , Indiana, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $570 a year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase rates by as much as $369 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so the rates may be quite different.

View Chart as Image

The chart above shows average Dodge Ram Quad Cab ST 4WD insurance prices for various risks and coverage choices. The cheapest price with discounts is $847. Drivers who choose higher $1,000 deductibles will pay $1,244. The average price for a driver age 40 with no violations using $500 deductibles is $1,438. Choosing low $100 deductibles for collision and other-than-collision coverage could cost up to $1,808. High risk drivers could be charged at least $3,072. The cost for full coverage for a 16-year-old driver can be as high as $5,290.

View Chart as Image