Dodge Ram Insurance Rates

The average insurance rates for a Dodge Ram are $1,456 a year for full coverage. Comprehensive costs on average $292 a year, collision insurance costs $484, and liability coverage costs $500. Buying just liability costs as little as $560 a year, and insurance for high-risk drivers costs around $3,142. 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 are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Ram trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on car insurance rates.

The examples above show why it is important to compare rates based on a specific location and risk profile, rather than using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $850
• Drivers who choose higher $1,000 deductibles will pay around $1,280 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,456
• Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,796
• High-risk insureds with serious driving violations could pay upwards of $3,142
• Policy cost for full coverage for a teenage driver may cost $5,544 a year

View Chart as Image

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 clean driving record and high deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $5,500 a year. View Rates by Age

Your home state makes a big difference in Dodge Ram insurance rates. A 40-year-old driver 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.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $520 a 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 more per 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 extra every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 130% more than the average 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 Affordable Dodge Ram Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Make time to compare rates every time your policy renews by getting price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

Below is a brief review of the information touched on in this article.

• Drivers can save as much as $170 per year just by quoting early and online
• Teenage drivers pay the highest rates, costing up to $462 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $525 each year
• Drivers with DUI or reckless driving convictions will pay on average $1,690 more each year for auto insurance
• Consumers who require higher levels of liability will pay approximately $550 each year to go from a 30/60 limit to 250/500 limits