Dodge Ram Insurance Rates

Estimated insurance prices for a Dodge Ram are $1,456 every 12 months including full coverage. Comprehensive costs an estimated $292, collision costs $484, and liability is estimated at $500. A policy with only liability insurance costs approximately $560 a year, with a high-risk policy costing around $3,142. Teenage drivers pay the most at $5,544 a year or more.

Average premium for full coverage: $1,456

Premium estimates broken down by type of coverage:

Prices include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for all Ram models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The example below illustrates how geographic area affects insurance prices.

These rate differences highlight why everyone should get quotes 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.

Additional Rate Details

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

• The best discount rate is $850
• Choosing higher $1,000 deductibles can save approximately $176 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,456
• Using pricier low deductibles for comp and collision coverage increases the price to $1,796
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,142 or more
• An auto insurance policy to insure a 16-year-old driver for full coverage can cost as much as $5,544 each year

View Chart as Image

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

Using high physical damage deductibles can save as much as $520 annually, whereas buying more liability protection will increase premiums. Changing 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

A more mature driver with no driving violations and higher deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $5,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,700 to $2,400 extra annually, depending on your age. Dodge Ram insurance for high-risk drivers ranges from 43% to 130% more than a normal policy. View High Risk Driver Rates

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 $1,120 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,080 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out which insurance company is cheapest is to regularly compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially different.

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 better rates on insurance for a Dodge Ram takes avoiding accidents and claims, maintaining a good credit score, refrain from filing small claims, and not having any coverage lapses. Invest the time to compare rates once a year by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The points below are a quick rundown of the data that was presented in the illustrations above.

• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
• Insureds who want increased liability limits will pay an extra $550 per year to raise limits from 30/60 bodily injury limits to a 250/500 level
• Drivers under the age of 20 have the highest car insurance prices, with the cost nearing $462 per month if the policy includes full coverage
• Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,690 more annually to insure a Dodge Ram