Dodge Ram Insurance Rates

Average insurance prices for a Dodge Ram are $1,478 every 12 months for full coverage insurance. Comprehensive costs around $310 a year, collision costs $502, and liability costs $486. A liability-only policy costs as little as $548 a year, with high-risk insurance costing around $3,180. Teenage drivers receive the highest rates at $5,568 a year or more.

Average premium for full coverage: $1,478

Rate estimates for individual coverage type:

Prices are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and Ram trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than densely populated cities.

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

These examples illustrate why it is important to compare rates for a specific zip code and their own driving history, instead of using average rates.

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

Additional Rate Details

The chart below illustrates estimated Dodge Ram insurance rates for additional coverage choices and driver risks.

• The best discount rate is $862
• Drivers who choose higher $1,000 deductibles will pay about $1,294 each year
• The average price for a 40-year-old driver using $500 deductibles is $1,478
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,832
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,180 or more
• The cost to insure a teen driver can be $5,568 a year

View Chart as Image

Insurance rates for a Dodge Ram can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles could save up to $540 every year, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $438 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay as much as $5,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,700 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 129% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Dodge Ram insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,990 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out your exact price is to get quotes and see which company has the best rate. Every company uses a different method to calculate rates, so the rates can be significantly different.

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 Shop for Affordable Dodge Ram Insurance

Saving money on car insurance not only requires being a safe and courteous driver, but also having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around at every other renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a brief review of the concepts that were raised in the charts and tables above.

• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,700 more every year for auto insurance
• Teenage drivers pay higher rates, costing up to $464 per month if they have full coverage
• It is possible to save up to $180 per year simply by quoting early and online
• Increasing deductibles could save as much as $550 each year
• It is possible to save up to $180 per year simply by quoting early and online