Dodge Ram Insurance Rates

U.S. average insurance rates for a Dodge Ram are $1,456 a year with full coverage. Comprehensive costs approximately $292 a year, collision costs $484, and liability costs around $500. Buying just liability costs as low as $560 a year, with insurance for high-risk drivers costing around $3,142. 16-year-old drivers pay the highest rates at $5,544 a year or more.

Average premium for full coverage: $1,456

Price estimates by individual coverage:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Ram trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. Rural locations have lower incidents of collision claims than congested cities.

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

The ranges above demonstrate why it is important to compare prices using their specific location, instead of making a decision based on rate averages.

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

Additional Rate Details

The chart below details estimated Dodge Ram insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $850
• Using higher $1,000 deductibles will save $1,280 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,456
• Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,796
• High-risk insureds with multiple tickets or accidents could pay around $3,142 or more
• The price that insures a 16-year-old driver can cost $5,544 or more

View Chart as Image

Insurance prices for a Dodge Ram are also quite variable based on the trim level of your Ram, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,700 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy can be from 43% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,500 a year. View Rates by Age

The state you live in has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or at least $1,970 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $520 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $450 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, and prices may be quite 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 Find Cheap Dodge Ram Insurance

Getting lower rates on insurance for a Dodge Ram requires avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop every year by getting quotes from direct companies, and also from local insurance agencies.

The points below are a brief summary of the coverage data raised in the charts and tables above.

• You may be able to save around $170 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $525 each year
• Drivers under the age of 20 are the costliest to insure, costing up to $462 a month if comprehensive and collision insurance is included
• Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,690 more per year to insure a Dodge Ram