Dodge Ram Insurance Rates

The average auto insurance rates for a Dodge Ram are $1,456 annually with full coverage. Comprehensive insurance costs an estimated $292, collision costs $484, and liability coverage costs $500. Liability-only coverage costs as little as $560 a year, with high-risk coverage costing $3,142 or more. Teenage drivers cost the most to insure at $5,544 a year or more.

Average premium for full coverage: $1,456

Policy rates broken down by type of insurance:

Estimates include $500 physical damage deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all Ram models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. More rural locations are shown to have fewer collision claims than densely populated cities.

The example below illustrates the difference location can make on insurance prices.

The examples above demonstrate why everyone should compare rates for a targeted area and their own personal driving habits, rather than using average rates.

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

More Rate Information

The chart below details estimated Dodge Ram insurance rates for other coverage scenarios.

• The best discount rate is $850
• Drivers who choose higher $1,000 deductibles will pay approximately $176 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,456
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $340 each year
• High-risk insureds who are prone to accidents and violations could pay up to $3,142 or more
• Policy cost with full coverage for a teenage driver for full coverage can cost as much as $5,544 a year

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

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, 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 a few points on your driving record or you caused a few accidents, you may be forking out $1,700 to $2,400 additional every year, depending on your age. Dodge Ram insurance for high-risk drivers can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $520 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $450 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Dodge Ram insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,970 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, and rates will be varied between companies.

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 Buy Low Cost Dodge Ram Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having good credit, not filing small claims, and maximizing policy discounts. Make time to compare rates once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a review of the data that was touched on in this article.

• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
• Consumers who want higher levels of liability will pay an extra $550 every year to go from a 30/60 limit to higher 250/500 limits
• Teenage drivers are expensive to insure, as much as $462 each month if they have full coverage
• Drivers who have several accidents or serious violations pay on average $1,690 more annually for auto insurance