Dodge Ram Insurance Rates

Estimated auto insurance rates for a Dodge Ram are $1,456 annually for full coverage insurance. Comprehensive insurance costs approximately $292, collision insurance costs $484, and liability costs $500. A policy with only liability insurance costs as little as $560 a year, and a high-risk policy costs $3,142 or more. 16-year-old drivers pay the most at up to $5,544 a year.

Average premium for full coverage: $1,456

Premium estimates by type of coverage:

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

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than congested cities. The example below illustrates how rural and urban location affects auto insurance prices.

These rate differences illustrate why everyone should compare rates using their specific location and their own personal driving habits, instead of using rate averages.

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

Additional Rate Analysis

The chart below illustrates average Dodge Ram insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $850
• Drivers who choose higher $1,000 deductibles will pay $176 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,456
• Buying pricier low deductibles for comprehensive and collision insurance costs an additional $340 every year
• Higher-risk drivers with multiple tickets or accidents could pay around $3,142
• An auto insurance policy with full coverage for a teen driver for full coverage can cost $5,544 a year

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Car insurance prices for a Dodge Ram also have a wide range based on the model of your Ram, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $5,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,400 extra annually, depending on your age. Dodge Ram insurance for high-risk drivers can cost as much as 43% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $520 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $450 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to 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 North Carolina, Wisconsin, and Vermont, or at least $1,970 on average in Florida, New York, and Michigan.

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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 Affordable Dodge Ram Insurance

Finding better rates on car insurance not only requires being a good driver, but also having a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Set aside time to shop around at least every other year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The following list is a brief review of the car insurance concepts raised in the charts and tables above.

• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,690 more per year than a safer driver
• It is possible to save around $170 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $525 each year
• Policyholders who purchase an increased level of liability coverage will pay around $550 annually to go from 30/60 bodily injury limits to higher 250/500 limits