Dodge Ram Insurance Rates

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UPDATED: Jun 8, 2024

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The average insurance rates for a Dodge Ram are $1,456 a year including full coverage. Comprehensive insurance costs on average $292, collision costs $484, and liability insurance costs around $500. A liability-only policy costs as low as $560 a year, with high-risk insurance costing $3,142 or more. Teen drivers 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:

Comprehensive $292
Collision $484
Liability $500

Price estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all Ram models.

Price Range Variability

For a 40-year-old driver, Dodge Ram insurance rates go from the low end price of $560 for a discount liability-only rate to the much higher price of $3,142 for a driver required to buy high-risk insurance.

Liability Only $560
Full Coverage $1,456
High Risk $3,142

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The example below illustrates how your location can change car insurance rates.

Rural Areas $1,092
Small Cities $1,529
Large Cities $1,966

The examples above highlight why everyone should compare prices based on a specific location, rather than relying on price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

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

  • The lowest rate with discounts is $850
  • Using higher $1,000 deductibles will save around $176 every year
  • The estimated price for a good driver age 40 with $500 deductibles is $1,456
  • Choosing pricier low deductibles for physical damage coverage will cost an additional $340 a year
  • Drivers with multiple violations and an at-fault accident could pay upwards of $3,142 or more
  • Policy cost that insures a teen driver for full coverage may cost $5,544 or more

View Chart as Image

Dodge Ram insurance cost comparison chart
Column chart showing full coverage Dodge Ram insurance prices range from $850 to $5,544

Car insurance rates for a Dodge Ram also range considerably based on the model of your Ram, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,700 to $2,400 extra every year, depending on your age. Dodge Ram insurance for high-risk drivers can be anywhere from 43% to 130% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $5,500 a year. View Rates by Age

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

Dodge Ram Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,316 -$140 -9.6%
Alaska $1,118 -$338 -23.2%
Arizona $1,208 -$248 -17.0%
Arkansas $1,456 -$0 0.0%
California $1,660 $204 14.0%
Colorado $1,390 -$66 -4.5%
Connecticut $1,496 $40 2.7%
Delaware $1,648 $192 13.2%
Florida $1,822 $366 25.1%
Georgia $1,346 -$110 -7.6%
Hawaii $1,044 -$412 -28.3%
Idaho $986 -$470 -32.3%
Illinois $1,082 -$374 -25.7%
Indiana $1,098 -$358 -24.6%
Iowa $984 -$472 -32.4%
Kansas $1,382 -$74 -5.1%
Kentucky $1,984 $528 36.3%
Louisiana $2,156 $700 48.1%
Maine $898 -$558 -38.3%
Maryland $1,202 -$254 -17.4%
Massachusetts $1,164 -$292 -20.1%
Michigan $2,528 $1,072 73.6%
Minnesota $1,218 -$238 -16.3%
Mississippi $1,744 $288 19.8%
Missouri $1,292 -$164 -11.3%
Montana $1,564 $108 7.4%
Nebraska $1,148 -$308 -21.2%
Nevada $1,746 $290 19.9%
New Hampshire $1,050 -$406 -27.9%
New Jersey $1,628 $172 11.8%
New Mexico $1,286 -$170 -11.7%
New York $1,534 $78 5.4%
North Carolina $838 -$618 -42.4%
North Dakota $1,194 -$262 -18.0%
Ohio $1,004 -$452 -31.0%
Oklahoma $1,492 $36 2.5%
Oregon $1,334 -$122 -8.4%
Pennsylvania $1,386 -$70 -4.8%
Rhode Island $1,942 $486 33.4%
South Carolina $1,318 -$138 -9.5%
South Dakota $1,228 -$228 -15.7%
Tennessee $1,274 -$182 -12.5%
Texas $1,754 $298 20.5%
Utah $1,076 -$380 -26.1%
Vermont $996 -$460 -31.6%
Virginia $872 -$584 -40.1%
Washington $1,124 -$332 -22.8%
West Virginia $1,334 -$122 -8.4%
Wisconsin $1,008 -$448 -30.8%
Wyoming $1,298 -$158 -10.9%

View Chart as Image

Dodge Ram insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $520 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $450 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes 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.

Dodge Ram Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Dodge Ram $332 $536 $450 $1,498
2023 Dodge Ram $320 $524 $470 $1,494
2022 Dodge Ram $310 $502 $486 $1,478
2021 Dodge Ram $292 $484 $500 $1,456
2018 Dodge Ram $258 $380 $520 $1,338

Rates are averaged for all Dodge Ram models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheaper Dodge Ram Insurance

Finding cheaper rates on Dodge Ram insurance requires being a low-risk driver, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around at every policy renewal by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.

The items below are a condensed summary of the data illustrated above.

  • Drivers who require more liability coverage will pay about $550 per year to increase from a 30/60 limit to the 250/500 level
  • You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save approximately $525 each year
  • Teen drivers are expensive to insure, with premiums being up to $462 each month if full coverage is purchased

Rates by Driver Age

Dodge Ram Insurance Rates by Driver Age
Driver Age Premium
16 $5,544
20 $3,344
30 $1,508
40 $1,456
50 $1,332
60 $1,306

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,796
$250 $1,640
$500 $1,456
$1,000 $1,280

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,456
50/100 $1,658
100/300 $1,783
250/500 $2,108
100 CSL $1,708
300 CSL $1,983
500 CSL $2,183

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Insurance Rates for High Risk Drivers
Age Premium
16 $7,884
20 $5,328
30 $3,202
40 $3,142
50 $3,000
60 $2,974

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $200

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $77
Multi-vehicle $77
Homeowner $23
5-yr Accident Free $102
5-yr Claim Free $93
Paid in Full/EFT $62
Advance Quote $70
Online Quote $102
Total Discounts $606
Rate after discounts $850

Discounts are estimated and may not be available from every company or in every state.

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