Dodge Ram Insurance Rates

The average auto insurance rates for a Dodge Ram are $1,456 annually including full coverage. Comprehensive costs approximately $292 a year, collision costs $484, and liability costs $500. Liability-only insurance costs as little as $560 a year, with high-risk driver insurance costing around $3,142. Teenage drivers cost the most to insure at $5,544 a year or more.

Average premium for full coverage: $1,456

Policy rates by type of insurance:

Price estimates include $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Ram trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance prices.

The examples above highlight why it is important to compare rates using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below breaks down estimated Dodge Ram insurance rates for additional coverage and risk scenarios.

• The best discount rate is $850
• Drivers who choose higher $1,000 deductibles will pay $1,280 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,456
• Using low $100 deductibles for comprehensive and collision insurance will cost $1,796
• Drivers who are prone to accidents and violations could pay around $3,142 or more
• Policy cost with full coverage for a 16-year-old driver can cost $5,544 a year

View Chart as Image

Auto insurance rates for a Dodge Ram also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $5,500 a year. View Rates by Age

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

Using high physical damage deductibles could save up to $520 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $450 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Dodge Ram insurance prices. A 40-year-old driver could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,080 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes from multiple companies. Every company uses a different method to calculate rates, and quoted rates will be varied between companies.

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 Cheaper Dodge Ram Insurance

Finding cheaper rates on insurance for a Dodge Ram not only requires not taking risks behind the wheel, but also having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Make time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following is a condensed summary of the material that was touched on in this article.

• Insureds who purchase higher liability limits will pay an extra $550 per year to go from a 30/60 limit to higher 250/500 limits
• Teens have the highest car insurance rates, with premiums being up to $462 each month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,690 more per year for Ram insurance
• Increasing comprehensive and collision deductibles could save up to $525 each year