Dodge Ram Insurance Rates

Estimated insurance rates for a Dodge Ram are $1,456 a year for full coverage. Comprehensive costs on average $292 a year, collision costs $484, and liability is $500. A liability-only policy costs around $560 a year, with high-risk insurance costing around $3,142. 16-year-old 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 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Ram trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than congested cities.

The diagram below illustrates how location helps determine car insurance rates.

These rate differences show why it is important to compare rates quotes based on a specific location and risk profile, instead of using rate averages.

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

More Rate Information

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

• The best full coverage rate is $850
• Raising to $1,000 deductibles will save around $1,280 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,456
• Buying low $100 deductibles will increase the cost to $1,796
• At-risk drivers with multiple tickets or accidents could pay upwards of $3,142 or more
• An auto insurance policy for full coverage for a teen driver may cost $5,544

View Chart as Image

Auto insurance prices for a Dodge Ram also have a wide range based on your driving characteristics, the trim level of your Ram, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay upwards of $5,500 a year. View Rates by Age

Where you choose to live also has a big influence on Dodge Ram insurance prices. A middle-age driver might find prices as low as $960 a year in states like Idaho, Maine, and Iowa, or at least $2,080 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $520 every year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $450 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,700 to $2,400 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 130% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Every auto insurance company utilizes a different rate formula, and quoted prices will be substantially different from one company to the next.

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

Finding better rates on car insurance consists of being a safe and courteous driver, having good credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates every other policy renewal by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

Below is a condensed summary of the ideas that were covered in the charts and tables above.

• Teenage drivers are charged the highest prices, as much as $462 per month if they have full coverage
• Higher risk drivers with multiple at-fault accidents will pay on average $1,690 more each year for auto insurance
• Increasing policy deductibles can save around $525 each year
• Drivers can save as much as $170 per year simply by quoting early and online