Dodge Ram Insurance Rates

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UPDATED: Jun 8, 2024

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Estimated auto insurance rates for a Dodge Ram are $1,456 annually for full coverage insurance. Comprehensive costs on average $292, collision insurance costs $484, and liability is estimated at $500. A liability-only policy costs approximately $560 a year, and high-risk insurance costs around $3,142. Teenage drivers pay the most at up to $5,544 a year.

Average premium for full coverage: $1,456

Premium estimates by type of coverage:

Comprehensive $292
Collision $484
Liability $500

Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all Ram models.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Dodge Ram range from as cheap as $560 for just liability insurance 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

Insurance Price Range by Location

Living in a larger city can have significant affects on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than densely populated cities. The example below illustrates how where you live affects car insurance rates.

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

These rate differences illustrate why everyone should get quotes based on a specific location and their own personal driving habits, instead of using average rates.

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.

More Rate Details

The chart below illustrates average Dodge Ram insurance rates for different risk profiles and scenarios.

  • The best discount rate is $850
  • Choosing higher $1,000 deductibles can save around $176 each year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,456
  • Using pricier low deductibles for comp and collision coverage will cost $1,796
  • Unlucky drivers who are prone to accidents and violations could pay upwards of $3,142
  • An auto insurance policy with full coverage for a teen driver for full coverage may cost $5,544 each year

View Chart as Image

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

Auto insurance prices for a Dodge Ram also have a wide range based on the model of your Ram, your risk profile, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,400 annually 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 will have to pay upwards of $5,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,400 in extra premium annually, depending on your age. Dodge Ram insurance for high-risk drivers ranges as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $520 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $450 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Dodge Ram insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,970 on average in Michigan, New York, and Florida.

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

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 Buy Low Cost Dodge Ram Insurance

Finding better rates on car insurance takes being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct insurance companies, and also from local exclusive and independent agents.

The items below are a review of the data touched on in the above illustrations.

  • Policyholders who require more liability coverage will pay an extra $550 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits
  • It is possible to save as much as $170 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles could save up to $525 each year
  • Teen drivers are charged the highest prices, with premiums being up to $462 per month if full coverage is included

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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