Dodge Ram Insurance Rates

The average auto insurance rates for a Dodge Ram are $1,478 annually including full coverage. Comprehensive insurance costs an estimated $310 a year, collision costs $502, and liability insurance is estimated at $486. Liability-only insurance costs approximately $548 a year, with high-risk driver insurance costing $3,180 or more. Teenage drivers cost the most to insure at $5,568 a year or more.

Average premium for full coverage: $1,478

Policy rates broken down by type of insurance:

Price estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Ram trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects insurance prices.

The examples above highlight why it is important to get quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below breaks down estimated Dodge Ram insurance rates for other coverage scenarios.

• The best discount rate is $862
• Choosing higher $1,000 deductibles can save approximately $1,294 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,478
• Using low $100 deductibles for comp and collision coverage costs an additional $354 a year
• High-risk insureds who are prone to accidents and violations could pay up to $3,180 or more
• Policy cost with full coverage for a teen driver can cost as much as $5,568 each year

View Chart as Image

Auto insurance rates for a Dodge Ram also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $5,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,700 to $2,400 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $540 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $438 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Dodge Ram insurance rates. A good driver about age 40 could pay as low as $1,130 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,100 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2021 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy Cheaper Dodge Ram Insurance

Finding cheaper rates on Dodge Ram insurance takes not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to shop around every other policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a condensed summary of the ideas that were raised in the charts and tables above.

• Teens are the costliest to insure, with premiums being up to $464 each month if full coverage is included
• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,700 more annually for Ram insurance
• Increasing comprehensive and collision deductibles could save up to $550 each year
• You may be able to save approximately $180 per year simply by quoting early and online