Dodge Ram Insurance Rates

Estimated insurance rates for a Dodge Ram are $1,456 a year for full coverage insurance. Comprehensive costs approximately $292 a year, collision insurance costs $484, and liability insurance is $500. Liability-only coverage costs around $560 a year, and high-risk coverage costs around $3,142. Teens pay the most at up to $5,544 a year.

Average premium for full coverage: $1,456

Premium estimates by type of coverage:

Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Ram trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how location impacts auto insurance prices.

These rate differences illustrate why it is important to compare rates quotes using their specific location, rather than relying on averaged prices.

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

Additional Rate Analysis

The chart below illustrates average Dodge Ram insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $850
• Raising to $1,000 deductibles will save $1,280 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,456
• Selecting low $100 deductibles bumps up the cost to $1,796
• Higher-risk drivers with serious driving violations could pay around $3,142
• An auto insurance policy that insures a teen driver can cost $5,544

View Chart as Image

Insurance prices for a Dodge Ram also have a wide range based on the trim level of your Ram, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $5,500 a year. View Rates by Age

Where you choose to live also has a big influence on Dodge Ram insurance rates. A middle-age driver might find prices as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,970 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $520 each year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $450 more per year. View Rates by Deductible or Liability Limit

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 Find Low Cost Dodge Ram Insurance

Finding better rates on Dodge Ram insurance consists of being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Compare rates at every policy renewal by requesting rates from direct insurance companies, and also from your local car insurance providers.

The items below are a review of the data touched on above.

• Drivers who purchase more liability coverage will pay approximately $550 annually to raise from 30/60 bodily injury limits to the 250/500 level
• It is possible to save around $170 per year just by quoting early and online
• Increasing policy deductibles can save approximately $525 each year
• Teen drivers are expensive to insure, with premiums being up to $462 per month if full coverage is included