Dodge Ram Insurance Rates

The average insurance prices for a Dodge Ram are $1,456 every 12 months including full coverage. Comprehensive insurance costs an estimated $292 each year, collision costs $484, and liability is $500. Liability-only coverage costs around $560 a year, with high-risk coverage costing $3,142 or more. 16-year-old drivers cost the most to insure at $5,544 a year or more.

Average premium for full coverage: $1,456

Policy rates broken down by type of insurance:

Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Ram models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than congested cities.

The graphic below illustrates how rural and urban location affects insurance prices.

The examples above highlight why all drivers should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $850
• Raising to $1,000 deductibles will save approximately $176 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,456
• Buying low deductibles costs an extra $340 annually
• Drivers with multiple tickets or accidents could pay up to $3,142 or more
• Policy cost to insure a 16-year-old driver can cost as much as $5,544

View Chart as Image

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

Opting for high physical damage deductibles can reduce rates by up to $520 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $450 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared 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 are likely paying $1,700 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 130% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Dodge Ram insurance prices. A middle-age driver might find rates as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,080 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, and rates will be varied.

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 Affordable Dodge Ram Insurance

Finding cheaper rates on insurance for a Dodge Ram consists of being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around every time your policy renews by getting quotes from direct car insurance companies, and also from local insurance agencies.

The items below are a brief review of the information raised in the charts and tables above.

• You may be able to save approximately $170 per year simply by quoting online in advance
• Teen drivers are expensive to insure, with premiums being up to $462 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,690 more annually to insure their Ram
• Insureds who want more liability coverage will pay around $550 per year to raise from a 30/60 limit to a 250/500 level