Dodge Ram Insurance Rates

U.S. average insurance rates for a Dodge Ram are $1,456 a year for full coverage insurance. Comprehensive insurance costs an estimated $292, collision costs $484, and liability costs $500. A policy with just liability insurance costs as little as $560 a year, with coverage for high-risk drivers costing $3,142 or more. Teen drivers pay the highest rates at $5,544 a year or more.

Average premium for full coverage: $1,456

Price estimates broken down by individual coverage:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different Ram trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of insurance. More rural locations have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates how geographic area affects insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of making a decision based on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $850
• Drivers who choose higher $1,000 deductibles will pay approximately $176 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,456
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $340 annually
• Drivers with multiple violations and an at-fault accident could pay up to $3,142 or more
• The price for full coverage for a 16-year-old driver with full coverage can cost as much as $5,544 a year

View Chart as Image

Insurance prices for a Dodge Ram are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles may pay as low as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $5,500 a year. View Rates by Age

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

View Chart as Image

Choosing high deductibles could save up to $520 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $450 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,700 to $2,400 extra each year, depending on your age. High-risk driver insurance can cost from 43% to 130% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices from multiple companies. Every company uses a different rate calculation, so the prices may be quite 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 the Best Dodge Ram Insurance

Getting lower rates on insurance for a Dodge Ram not only requires being a low-risk driver, but also maintaining good credit, not filing small claims, and taking advantage of discounts. Invest the time to compare rates every year by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a brief recap of the coverage data presented in the illustrations above.

• It is possible to save approximately $170 per year simply by shopping early and online
• Increasing physical damage deductibles can save around $525 each year
• Teen drivers are charged the highest prices, as much as $462 a month for full coverage
• Drivers considered higher risk who tend to receive serious violations pay on average $1,690 more annually to insure their Ram