Dodge Ram Insurance Rates

U.S. average insurance rates for a Dodge Ram are $1,456 a year including full coverage. Comprehensive costs an estimated $292 a year, collision insurance costs $484, and liability coverage costs $500. Liability-only insurance costs as little as $560 a year, and high-risk driver insurance 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:

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

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on insurance prices.

The ranges above highlight why it is important to compare rates for a targeted area and risk profile, rather than using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $850
• Drivers who choose higher $1,000 deductibles will pay approximately $1,280 every year
• The average rate for the average middle-age driver who has $500 deductibles is $1,456
• Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,796
• High-risk insureds with serious driving violations could pay up to $3,142
• The price for full coverage for a teenage driver can cost as much as $5,544 a year

View Chart as Image

Car insurance prices for a Dodge Ram are also quite variable based on your driving record, the model of your Ram, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles may only pay around $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged at least $5,500 a year. View Rates by Age

The state you live in makes a big difference in Dodge Ram insurance rates. A 40-year-old driver could pay 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.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $520 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $450 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 130% more than the average policy. 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 Cheaper Dodge Ram Insurance

Getting lower rates on auto insurance not only requires being a good driver, but also having above-average credit, being claim-free, and possibly higher deductibles. Take the time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following list is a condensed summary of the information covered in the above illustrations.

• You may be able to save approximately $170 per year just by quoting early and online
• Drivers age 16 to 20 have the highest car insurance prices, possibly costing $462 a month if full coverage is included
• Increasing physical damage deductibles can save around $525 each year
• Drivers with multiple at-fault accidents may pay on average $1,690 more annually than a safer driver
• Consumers who want an increased level of liability coverage will pay approximately $550 per year to go from a low limit to 250/500 limits