Dodge Ram Insurance Rates

Average insurance prices for a Dodge Ram are $1,456 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $292 each year, collision costs $484, and liability is $500. A policy with just liability insurance costs around $560 a year, with coverage for high-risk drivers costing $3,142 or more. Teens receive the highest rates at $5,544 a year or more.

Average premium for full coverage: $1,456

Rate estimates by individual coverage type:

Prices include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Ram models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects auto insurance prices.

These examples illustrate why all drivers should compare rates quotes using their specific location and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $850
• Raising to $1,000 deductibles will save $176 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,456
• Selecting low deductibles costs an extra $340 annually
• Drivers with serious driving violations could pay around $3,142 or more
• The cost to insure a 16-year-old driver can cost $5,544

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Insurance rates for a Dodge Ram can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your Ram.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $520 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $450 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,700 to $2,400 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 130% more than the average policy. View High Risk Driver Rates

Where you live also has a big influence on Dodge Ram insurance prices. A middle-age driver might find rates as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,970 on average in Florida, New York, and Michigan.

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With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison from multiple companies. Every auto insurance company calculates rates differently, and rates can be significantly different.

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 Shop for the Right Dodge Ram Insurance

Saving money on insurance for a Dodge Ram consists of being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

Below is a quick rundown of the information presented in the illustrations above.

• It is possible to save around $170 per year simply by quoting online in advance
• Teenage drivers are the costliest to insure, costing up to $462 per month if full coverage is included
• Increasing deductibles could save as much as $525 each year
• Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,690 more per year for auto insurance
• Insureds who purchase higher levels of liability will pay approximately $550 annually to raise from a minimum limit to a 250/500 level