Dodge Ram Insurance Rates

The average insurance rates for a Dodge Ram are $1,478 a year for full coverage insurance. Comprehensive insurance costs an estimated $310, collision costs $502, and liability is $486. Liability-only coverage costs around $548 a year, with high-risk coverage costing $3,180 or more. Teenage drivers cost the most to insure at $5,568 a year or more.

Average premium for full coverage: $1,478

Policy rates broken down by type of insurance:

Rate estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all Ram models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why everyone should compare rates quotes for a targeted area, 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 other coverage scenarios.

• The best discount rate is $862
• Raising to $1,000 deductibles will save approximately $184 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,478
• Using pricier low deductibles will cost an additional $354 every year
• At-risk drivers who are prone to accidents and violations could pay up to $3,180 or more
• Policy cost that insures a teen driver for full coverage can cost as much as $5,568

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying $1,700 to $2,400 additional every year, depending on your age. Dodge Ram insurance for high-risk drivers is expensive and can cost as much as 43% to 129% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,500 a year. View Rates by Age

Your home state also has a big influence on Dodge Ram insurance prices. A middle-age driver might find rates as low as $970 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,990 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $540 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $438 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, 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 Find the Best Dodge Ram Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having a good credit score, being claim-free, and maximizing policy discounts. Compare prices at every other renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The following is a brief recap of the concepts that were covered above.

• Higher risk drivers who tend to receive serious violations may have to pay on average $1,700 more annually for Ram insurance
• Teens are expensive to insure, possibly costing $464 each month if comprehensive and collision insurance is included
• It is possible to save approximately $180 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• It is possible to save approximately $180 per year simply by quoting online well ahead of the renewal date