Dodge Ram Insurance Rates

The average insurance rates for a Dodge Ram are $1,456 a year for full coverage. Comprehensive insurance costs on average $292 a year, collision insurance costs $484, and liability insurance is estimated at $500. Liability-only insurance costs approximately $560 a year, and high-risk driver insurance costs $3,142 or more. Teenage drivers 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:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Ram trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above show why it is important to get quotes based on a specific location and risk profile, rather than relying on average rates.

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

Additional Rate Analysis

The chart below shows average Dodge Ram insurance rates for different risk profiles and scenarios.

• The best discount rate is $850
• Choosing higher $1,000 deductibles can save around $1,280 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,456
• Using low $100 deductibles for comp and collision coverage will cost an extra $340 a year
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,142
• Policy cost for full coverage for a teen driver may cost $5,544 each year

View Chart as Image

Auto insurance rates for a Dodge Ram also range considerably based on your risk profile, the trim level of your Ram, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers 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 be forced to pay as much as $2,080 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $520 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $450 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,700 to $2,400 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

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

Finding cheaper rates on Dodge Ram insurance takes being safe and accident-free, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates every time your policy renews by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

Below you'll find a condensed summary of the information covered above.

• Drivers can save as much as $170 per year just by quoting early and online
• Youthful drivers are charged the highest rates, costing up to $462 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $525 each year
• High-risk drivers with multiple at-fault accidents will pay on average $1,690 more each year than a low-risk driver
• Drivers who require more liability protection will pay an extra $550 each year to raise limits from a 30/60 limit to 250/500 limits