Dodge Ram Insurance Rates

Estimated auto insurance rates for a Dodge Ram are $1,456 annually including full coverage. Comprehensive insurance costs approximately $292, collision costs $484, and liability costs $500. Liability-only insurance costs as little as $560 a year, with high-risk driver insurance costing $3,142 or more. Teenage drivers pay the most at $5,544 a year or more.

Average premium for full coverage: $1,456

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all Ram models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates how your location can change auto insurance prices.

These rate differences highlight why everyone should compare rates using their specific location and their own personal driving habits, instead of using average rates.

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 additional coverage and risk scenarios.

• The best discount rate is $850
• Drivers who choose higher $1,000 deductibles will pay $176 every year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,456
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $340 every year
• Higher-risk drivers who are prone to accidents and violations could pay around $3,142 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can cost $5,544 a year

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Insurance prices for a Dodge Ram also have a wide range based on the model of your Ram, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,400 additional annually, depending on your age. Dodge Ram insurance for high-risk drivers can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $520 every year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $450 more each year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Dodge Ram insurance prices. A 40-year-old driver could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,080 on average in Louisiana, New York, and Michigan.

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With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see which company has the best price. Every company uses a different method to calculate prices, and prices will be substantially different 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 Cheaper Dodge Ram Insurance

Finding better rates on car insurance not only requires being a good driver, but also having good credit, refrain from filing small claims, and qualifying for all possible discounts. Invest the time to shop around once a year by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a condensed summary of the data that was illustrated above.

• You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
• Policyholders who purchase an increased level of liability coverage will pay an extra $550 per year to go from 30/60 bodily injury limits to higher 250/500 limits
• Drivers age 16 to 20 are the costliest to insure, with the cost nearing $462 per month if they have full coverage
• Higher risk drivers with multiple at-fault accidents may have to pay on average $1,690 more per year than a safer driver