Dodge Ram Insurance Rates

Average auto insurance rates for a Dodge Ram are $1,456 annually for full coverage insurance. Comprehensive insurance costs around $292 a year, collision costs $484, and liability costs $500. Buying just liability costs as little as $560 a year, with insurance for high-risk drivers costing $3,142 or more. Teenage drivers receive the highest rates at $5,544 a year or more.

Average premium for full coverage: $1,456

Rate estimates for individual coverage type:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Ram trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance rates.

These examples illustrate why it is important to compare rates for a specific zip code and their own personal driving habits, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $850
• Drivers who choose higher $1,000 deductibles will pay about $1,280 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,456
• Using low $100 deductibles for comprehensive and collision insurance costs an additional $340 every year
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,142 or more
• The cost with full coverage for a teen driver can be $5,544 a year

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Auto insurance rates for a Dodge Ram can also vary considerably based on the trim level of your Ram, your risk profile, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $5,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,700 to $2,400 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $520 every year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $450 extra every year. View Rates by Deductible or Liability Limit

Where you live 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 Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,970 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out your exact price is to get quotes and see which company has the best rate. Every company uses a different method to calculate rates, and quoted rates can be significantly different between companies.

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 Buy the Right Dodge Ram Insurance

Saving money on car insurance not only requires avoiding accidents and claims, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates at least every other year by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The points below are a quick rundown of the car insurance concepts covered in the above illustrations.

• Higher risk drivers with reckless driving or DUI convictions pay on average $1,690 more every year to insure a Dodge Ram
• It is possible to save up to $170 per year simply by quoting early and online
• Increasing deductibles could save up to $525 each year
• Policyholders who may need increased liability limits will pay an extra $550 annually to go from a minimum limit to higher 250/500 limits