Dodge Ram Insurance Rates

The average insurance rates for a Dodge Ram are $1,456 a year including full coverage. Comprehensive costs around $292 a year, collision insurance costs $484, and liability is estimated at $500. Liability-only coverage costs approximately $560 a year, and high-risk coverage costs around $3,142. 16-year-old drivers cost the most to insure at up to $5,544 a year.

Average premium for full coverage: $1,456

Policy rates for type of insurance:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist 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 can have significant affects on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than congested cities. The diagram below illustrates how geographic area affects auto insurance rates.

The examples above highlight why it is important to get quotes for a specific zip code and risk profile, instead of using rate averages.

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

More Rate Information

The chart below breaks down average Dodge Ram insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $850
• Choosing higher $1,000 deductibles can save about $1,280 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,456
• Buying low $100 deductibles for comp and collision coverage will increase the cost to $1,796
• Unlucky drivers with multiple tickets or accidents could pay at least $3,142
• Policy cost for full coverage for a teen driver can be $5,544 each year

View Chart as Image

Insurance rates for a Dodge Ram also range considerably based on your risk profile, the model of your Ram, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $5,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Dodge Ram insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,080 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can save as much as $520 every year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $450 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,700 to $2,400 additional every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 130% more than the average rate. View High Risk Driver Rates

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 Cheap Dodge Ram Insurance

Finding cheaper rates on car insurance takes having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to compare rates every time your policy renews by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a brief summary of the information presented in the illustrations above.

• You may be able to save up to $170 per year just by quoting early and online
• 16 to 18-year-old drivers are charged the highest rates, with premiums being up to $462 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $525 each year
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,690 more every year than a driver with a clean driving record
• Policyholders who may need additional liability coverage will pay around $550 per year to raise limits from a 30/60 limit to 250/500 limits