Dodge Ram Insurance Rates

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

Average premium for full coverage: $1,456

Price estimates for individual coverage:

Price estimates include $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Ram models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates how where you live affects auto insurance rates.

The ranges above illustrate why everyone should compare prices for a specific zip code and risk profile, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $850
• Using higher $1,000 deductibles will save about $176 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,456
• Using pricier low deductibles for physical damage coverage will cost an extra $340 a year
• Drivers who are prone to accidents and violations could pay at least $3,142 or more
• The price for full coverage for a teen driver for full coverage can be $5,544 or more

View Chart as Image

Insurance prices for a Dodge Ram are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay as much as $5,500 a year. View Rates by Age

The state you live in has a huge impact on Dodge Ram insurance rates. A driver around age 40 might see prices 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

Using high physical damage deductibles could cut prices by as much as $520 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $450 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,700 to $2,400 additional each year, depending on your age. Dodge Ram insurance for high-risk drivers can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, and prices may be quite different from one company to the next.

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 Cheaper Dodge Ram Insurance

Getting lower rates on Dodge Ram insurance requires having a good driving record, having a good credit history, not filing small claims, and taking advantage of discounts. Take the time to comparison shop every couple of years by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a condensed summary of the material that was touched on in the above illustrations.

• Drivers who may need increased levels of liability coverage will pay an extra $550 annually to increase from a low limit to 250/500 limits
• Drivers age 20 and younger are charged the highest prices, as much as $462 a month including comprehensive and collision insurance
• High-risk drivers with multiple at-fault accidents may pay on average $1,690 more every year to buy Dodge Ram insurance
• Increasing physical damage deductibles can save around $525 each year