Dodge Ram Insurance Rates

The average insurance prices for a Dodge Ram are $1,456 every 12 months including full coverage. Comprehensive insurance costs on average $292, collision costs $484, and liability costs around $500. Liability-only coverage costs as low as $560 a year, with high-risk coverage costing $3,142 or more. Teens cost the most to insure at $5,544 a year or more.

Average premium for full coverage: $1,456

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different Ram trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below breaks down estimated Dodge Ram insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $850
• Using higher $1,000 deductibles will save around $176 every year
• The average price for a good driver age 40 with $500 deductibles is $1,456
• Selecting more expensive low deductibles for physical damage coverage costs an extra $340 annually
• High-risk insureds with serious driving violations could pay upwards of $3,142 or more
• Policy cost to insure a 16-year-old driver with full coverage may cost $5,544 or more

View Chart as Image

Insurance rates for a Dodge Ram also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Ram.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $520 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $450 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $5,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,700 to $2,400 additional every year, depending on your age. High-risk driver insurance can be from 43% to 130% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see rates as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,080 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from multiple companies. Each insurance company calculates rates differently, and rates will be varied.

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 Shop for the Best Dodge Ram Insurance

Finding cheaper rates on insurance for a Dodge Ram requires being a good driver, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Make time to compare rates every other policy renewal by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The following list is a brief recap of the ideas that were touched on in this article.

• Drivers age 16 to 20 pay higher rates, with premiums being up to $462 each month if full coverage is included
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,690 more each year than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• You may be able to save as much as $170 per year simply by shopping early and online