Dodge Ram Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 8, 2024
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The average insurance rates for a Dodge Ram are $1,456 a year for full coverage. Comprehensive insurance costs on average $292, collision insurance costs $484, and liability coverage is estimated at $500. Liability-only insurance costs approximately $560 a year, and high-risk driver insurance costs $3,142 or more. Teens cost the most to insure at up to $5,544 a year.
Average premium for full coverage: $1,456
Policy rates by type of insurance:
Prices include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all Ram models.
Price Range Variability
For a driver in their 40's, Dodge Ram insurance rates range from the low end price of $560 for minimum levels of liability insurance to the much higher price of $3,142 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than cities with more traffic congestion. The example below illustrates how location helps determine car insurance rates.
The examples above show why everyone should get quotes based on a specific location, rather than using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below shows average Dodge Ram insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $850
- Choosing higher $1,000 deductibles can save around $176 a year
- The estimated price for a good driver age 40 with $500 deductibles is $1,456
- Selecting pricier low deductibles for comp and collision coverage will cost an additional $340 each year
- Drivers with serious driving violations could pay upwards of $3,142
- Policy cost that insures a teenage driver for full coverage may cost $5,544 each year
Auto insurance rates for a Dodge Ram also range considerably based on the model of your Ram, how you drive, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,700 to $2,400 in extra premium every year, depending on your age. Dodge Ram insurance for high-risk drivers ranges around 43% to 130% more than the average policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $5,500 a year. View Rates by Age
Your home state plays a big part in determining prices for Dodge Ram insurance rates. A good driver about age 40 could pay as low as $960 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,080 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,316 | -$140 | -9.6% |
| Alaska | $1,118 | -$338 | -23.2% |
| Arizona | $1,208 | -$248 | -17.0% |
| Arkansas | $1,456 | -$0 | 0.0% |
| California | $1,660 | $204 | 14.0% |
| Colorado | $1,390 | -$66 | -4.5% |
| Connecticut | $1,496 | $40 | 2.7% |
| Delaware | $1,648 | $192 | 13.2% |
| Florida | $1,822 | $366 | 25.1% |
| Georgia | $1,346 | -$110 | -7.6% |
| Hawaii | $1,044 | -$412 | -28.3% |
| Idaho | $986 | -$470 | -32.3% |
| Illinois | $1,082 | -$374 | -25.7% |
| Indiana | $1,098 | -$358 | -24.6% |
| Iowa | $984 | -$472 | -32.4% |
| Kansas | $1,382 | -$74 | -5.1% |
| Kentucky | $1,984 | $528 | 36.3% |
| Louisiana | $2,156 | $700 | 48.1% |
| Maine | $898 | -$558 | -38.3% |
| Maryland | $1,202 | -$254 | -17.4% |
| Massachusetts | $1,164 | -$292 | -20.1% |
| Michigan | $2,528 | $1,072 | 73.6% |
| Minnesota | $1,218 | -$238 | -16.3% |
| Mississippi | $1,744 | $288 | 19.8% |
| Missouri | $1,292 | -$164 | -11.3% |
| Montana | $1,564 | $108 | 7.4% |
| Nebraska | $1,148 | -$308 | -21.2% |
| Nevada | $1,746 | $290 | 19.9% |
| New Hampshire | $1,050 | -$406 | -27.9% |
| New Jersey | $1,628 | $172 | 11.8% |
| New Mexico | $1,286 | -$170 | -11.7% |
| New York | $1,534 | $78 | 5.4% |
| North Carolina | $838 | -$618 | -42.4% |
| North Dakota | $1,194 | -$262 | -18.0% |
| Ohio | $1,004 | -$452 | -31.0% |
| Oklahoma | $1,492 | $36 | 2.5% |
| Oregon | $1,334 | -$122 | -8.4% |
| Pennsylvania | $1,386 | -$70 | -4.8% |
| Rhode Island | $1,942 | $486 | 33.4% |
| South Carolina | $1,318 | -$138 | -9.5% |
| South Dakota | $1,228 | -$228 | -15.7% |
| Tennessee | $1,274 | -$182 | -12.5% |
| Texas | $1,754 | $298 | 20.5% |
| Utah | $1,076 | -$380 | -26.1% |
| Vermont | $996 | -$460 | -31.6% |
| Virginia | $872 | -$584 | -40.1% |
| Washington | $1,124 | -$332 | -22.8% |
| West Virginia | $1,334 | -$122 | -8.4% |
| Wisconsin | $1,008 | -$448 | -30.8% |
| Wyoming | $1,298 | -$158 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $520 a year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $450 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Ram Quad Cab ST 2WD | $1,306 | $109 |
| Dodge Ram Crew Cab ST 2WD | $1,354 | $113 |
| Dodge Ram Quad Cab SLT 2WD | $1,354 | $113 |
| Dodge Ram Quad Cab TRX4 Off Road 2WD | $1,354 | $113 |
| Dodge Ram Quad Cab ST 4WD | $1,380 | $115 |
| Dodge Ram Crew Cab SLT 2WD | $1,392 | $116 |
| Dodge Ram Crew Cab TRX 2WD | $1,392 | $116 |
| Dodge Ram Crew Cab ST 4WD | $1,420 | $118 |
| Dodge Ram Quad Cab SLT 4WD | $1,420 | $118 |
| Dodge Ram Crew Cab Sport 2WD | $1,456 | $121 |
| Dodge Ram Crew Cab SLT 4WD | $1,484 | $124 |
| Dodge Ram Crew Cab TRX 4WD | $1,484 | $124 |
| Dodge Ram Quad Cab Sport 2WD | $1,456 | $121 |
| Dodge Ram Quad Cab TRX4 Off Road 4WD | $1,484 | $124 |
| Dodge Ram Crew Cab Laramie 2WD | $1,496 | $125 |
| Dodge Ram Crew Cab Sport 4WD | $1,522 | $127 |
| Dodge Ram Quad Cab Laramie 2WD | $1,496 | $125 |
| Dodge Ram Quad Cab Sport 4WD | $1,522 | $127 |
| Dodge Ram Crew Cab Laramie 4WD | $1,558 | $130 |
| Dodge Ram Quad Cab Laramie 4WD | $1,558 | $130 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Dodge Ram | $332 | $536 | $450 | $1,498 |
| 2023 Dodge Ram | $320 | $524 | $470 | $1,494 |
| 2022 Dodge Ram | $310 | $502 | $486 | $1,478 |
| 2021 Dodge Ram | $292 | $484 | $500 | $1,456 |
| 2018 Dodge Ram | $258 | $380 | $520 | $1,338 |
Rates are averaged for all Dodge Ram models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Right Dodge Ram Insurance
Finding cheaper rates on auto insurance takes having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare rates every time your policy renews by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The next list is a quick rundown of the information covered in the charts and tables above.
- Drivers can save as much as $170 per year just by quoting online well ahead of the renewal date
- Drivers age 20 and younger are charged the highest rates, costing up to $462 each month if the policy includes full coverage
- Increasing comprehensive and collision deductibles can save approximately $525 each year
- Drivers with reckless driving or DUI convictions may pay on average $1,690 more each year to buy Dodge Ram insurance
- Consumers who require increased levels of liability coverage will pay approximately $550 each year to raise limits from a 30/60 limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,544 |
| 20 | $3,344 |
| 30 | $1,508 |
| 40 | $1,456 |
| 50 | $1,332 |
| 60 | $1,306 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,796 |
| $250 | $1,640 |
| $500 | $1,456 |
| $1,000 | $1,280 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,456 |
| 50/100 | $1,658 |
| 100/300 | $1,783 |
| 250/500 | $2,108 |
| 100 CSL | $1,708 |
| 300 CSL | $1,983 |
| 500 CSL | $2,183 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,884 |
| 20 | $5,328 |
| 30 | $3,202 |
| 40 | $3,142 |
| 50 | $3,000 |
| 60 | $2,974 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $77 |
| Homeowner | $23 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $62 |
| Advance Quote | $70 |
| Online Quote | $102 |
| Total Discounts | $606 |
Discounts are estimated and may not be available from every company or in every state.
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