Dodge Ram Insurance Rates

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UPDATED: Jun 8, 2024

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U.S. average auto insurance rates for a Dodge Ram are $1,456 annually including full coverage. Comprehensive costs an estimated $292, collision insurance costs $484, and liability is $500. Buying just liability costs around $560 a year, and insurance for high-risk drivers costs around $3,142. Teens pay the highest rates at up to $5,544 a year.

Average premium for full coverage: $1,456

Price estimates broken down by individual coverage:

Comprehensive $292
Collision $484
Liability $500

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Ram models.

Price Range from Low to High

For the average 40-year-old driver, Dodge Ram insurance prices range from as cheap as $560 for just the minimum liability insurance to the much higher price of $3,142 for a high-risk driver policy.

Liability Only $560
Full Coverage $1,456
High Risk $3,142

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the difference location can make on insurance prices.

Rural Areas $1,092
Small Cities $1,529
Large Cities $1,966

The ranges above highlight why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

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

  • The cheapest rate after discounts is $850
  • Raising to $1,000 deductibles will save approximately $176 every year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,456
  • Selecting pricier low deductibles will cost $1,796
  • Drivers with serious driving violations could pay up to $3,142
  • The price with full coverage for a 16-year-old driver for full coverage can cost as much as $5,544

View Chart as Image

Dodge Ram insurance cost comparison chart
Column chart showing Dodge Ram insurance rates range from $850 to $5,544 for full coverage

Insurance prices for a Dodge Ram are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $5,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,700 to $2,400 additional each year, depending on your age. Dodge Ram insurance for high-risk drivers is expensive and can cost from 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $520 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $450 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Dodge Ram insurance prices. A middle-age driver might find prices as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,080 on average in Louisiana, New York, and Michigan.

Dodge Ram Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,316 -$140 -9.6%
Alaska $1,118 -$338 -23.2%
Arizona $1,208 -$248 -17.0%
Arkansas $1,456 -$0 0.0%
California $1,660 $204 14.0%
Colorado $1,390 -$66 -4.5%
Connecticut $1,496 $40 2.7%
Delaware $1,648 $192 13.2%
Florida $1,822 $366 25.1%
Georgia $1,346 -$110 -7.6%
Hawaii $1,044 -$412 -28.3%
Idaho $986 -$470 -32.3%
Illinois $1,082 -$374 -25.7%
Indiana $1,098 -$358 -24.6%
Iowa $984 -$472 -32.4%
Kansas $1,382 -$74 -5.1%
Kentucky $1,984 $528 36.3%
Louisiana $2,156 $700 48.1%
Maine $898 -$558 -38.3%
Maryland $1,202 -$254 -17.4%
Massachusetts $1,164 -$292 -20.1%
Michigan $2,528 $1,072 73.6%
Minnesota $1,218 -$238 -16.3%
Mississippi $1,744 $288 19.8%
Missouri $1,292 -$164 -11.3%
Montana $1,564 $108 7.4%
Nebraska $1,148 -$308 -21.2%
Nevada $1,746 $290 19.9%
New Hampshire $1,050 -$406 -27.9%
New Jersey $1,628 $172 11.8%
New Mexico $1,286 -$170 -11.7%
New York $1,534 $78 5.4%
North Carolina $838 -$618 -42.4%
North Dakota $1,194 -$262 -18.0%
Ohio $1,004 -$452 -31.0%
Oklahoma $1,492 $36 2.5%
Oregon $1,334 -$122 -8.4%
Pennsylvania $1,386 -$70 -4.8%
Rhode Island $1,942 $486 33.4%
South Carolina $1,318 -$138 -9.5%
South Dakota $1,228 -$228 -15.7%
Tennessee $1,274 -$182 -12.5%
Texas $1,754 $298 20.5%
Utah $1,076 -$380 -26.1%
Vermont $996 -$460 -31.6%
Virginia $872 -$584 -40.1%
Washington $1,124 -$332 -22.8%
West Virginia $1,334 -$122 -8.4%
Wisconsin $1,008 -$448 -30.8%
Wyoming $1,298 -$158 -10.9%

View Chart as Image

Dodge Ram insurance rates by U.S. city

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.

Dodge Ram Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Dodge Ram $332 $536 $450 $1,498
2023 Dodge Ram $320 $524 $470 $1,494
2022 Dodge Ram $310 $502 $486 $1,478
2021 Dodge Ram $292 $484 $500 $1,456
2018 Dodge Ram $258 $380 $520 $1,338

Rates are averaged for all Dodge Ram models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Best Dodge Ram Insurance

Getting lower rates on insurance for a Dodge Ram consists of avoiding accidents and claims, having good credit, being claim-free, and possibly raising deductibles. Make time to compare rates every time your policy renews by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a brief recap of the information touched on in this article.

  • You may be able to save approximately $170 per year just by quoting online well ahead of the renewal date
  • Drivers under the age of 20 are expensive to insure, possibly costing $462 a month if they have full coverage
  • Increasing physical damage deductibles could save up to $525 each year
  • Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,690 more annually to insure a Dodge Ram
  • Insureds who want increased liability limits will pay approximately $550 per year to raise from a low limit to higher 250/500 limits

Rates by Driver Age

Dodge Ram Insurance Rates by Driver Age
Driver Age Premium
16 $5,544
20 $3,344
30 $1,508
40 $1,456
50 $1,332
60 $1,306

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,796
$250 $1,640
$500 $1,456
$1,000 $1,280

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,456
50/100 $1,658
100/300 $1,783
250/500 $2,108
100 CSL $1,708
300 CSL $1,983
500 CSL $2,183

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Insurance Rates for High Risk Drivers
Age Premium
16 $7,884
20 $5,328
30 $3,202
40 $3,142
50 $3,000
60 $2,974

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $200

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $77
Multi-vehicle $77
Homeowner $23
5-yr Accident Free $102
5-yr Claim Free $93
Paid in Full/EFT $62
Advance Quote $70
Online Quote $102
Total Discounts $606
Rate after discounts $850

Discounts are estimated and may not be available from every company or in every state.

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