Dodge Ram Insurance Rates

The average insurance prices for a Dodge Ram are $1,456 every 12 months with full coverage. Comprehensive costs an estimated $292 a year, collision insurance costs $484, and liability costs around $500. Buying just liability costs as low as $560 a year, and insurance for high-risk drivers costs around $3,142. Teenage drivers cost the most to insure at up to $5,544 a year.

Average premium for full coverage: $1,456

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. More rural locations are shown to have more infrequent collision claims than densely populated cities. The diagram below illustrates how location impacts insurance prices.

The examples above demonstrate why it is important to compare prices for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below details average Dodge Ram insurance rates for other coverage scenarios.

• The best discount rate is $850
• Using higher $1,000 deductibles will save approximately $1,280 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,456
• Using low $100 deductibles for physical damage coverage increases the price to $1,796
• High-risk insureds who are prone to accidents and violations could pay up to $3,142
• Policy cost to insure a 16-year-old driver can cost as much as $5,544 or more

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Insurance rates for a Dodge Ram also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $520 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $450 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $5,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy can be from 43% to 130% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see rates as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,970 on average in New York, Michigan, and Florida.

View Chart as Image

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 the Right Dodge Ram Insurance

Finding cheaper rates on insurance for a Dodge Ram requires being a low-risk driver, having good credit, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around every year by quoting rates from direct companies, and also from your local independent and exclusive agents.

The items below are a quick rundown of the coverage data touched on above.

• You may be able to save approximately $170 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Teen drivers are charged the highest rates, as much as $462 each month if they have full coverage
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,690 more annually to insure their Ram