Dodge Ram Insurance Rates

Estimated insurance prices for a Dodge Ram are $1,456 every 12 months for full coverage insurance. Comprehensive costs around $292, collision insurance costs $484, and liability insurance costs $500. A policy with only liability insurance costs as little as $560 a year, and a high-risk policy costs around $3,142. Teen drivers pay the most at up to $5,544 a year.

Average premium for full coverage: $1,456

Premium estimates for type of coverage:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different Ram trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates how location helps determine auto insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than relying on price averages.

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

Additional Rate Information

The chart below illustrates average Dodge Ram insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $850
• Drivers who choose higher $1,000 deductibles will pay about $176 each year
• The average price for a 40-year-old good driver using $500 deductibles is $1,456
• Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $1,796
• High risk drivers with multiple violations and an at-fault accident could pay at least $3,142
• An auto insurance policy to insure a teen driver with full coverage can be $5,544 a year

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Car insurance prices for a Dodge Ram also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.

Choosing high deductibles could save up to $520 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $450 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged as much as $5,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,700 to $2,400 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 43% to 130% more than average. View High Risk Driver Rates

Where you choose to live makes a big difference in Dodge Ram insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,970 on average in Michigan, New York, and Florida.

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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 More Affordable Dodge Ram Insurance

Finding better rates on Dodge Ram insurance not only requires being a good driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest time comparing rates at every other renewal by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a summary of the concepts that were covered in the charts and tables above.

• High-risk drivers who have multiple accidents or major violations may pay on average $1,690 more every year than a safer driver
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $462 per month if the policy includes full coverage
• It is possible to save up to $170 per year just by shopping early and online
• Increasing policy deductibles could save as much as $525 each year
• It is possible to save up to $170 per year just by shopping early and online