Dodge Ram Insurance Rates

The average insurance rates for a Dodge Ram are $1,456 a year for full coverage insurance. Comprehensive costs an estimated $292, collision costs $484, and liability costs around $500. A liability-only policy costs as low as $560 a year, with high-risk insurance costing around $3,142. Teen drivers cost the most to insure at $5,544 a year or more.

Average premium for full coverage: $1,456

Policy rates broken down by type of insurance:

Includes $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different Ram trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices for a targeted area, instead of using price averages.

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

Additional Rate Analysis

The chart below illustrates estimated Dodge Ram insurance rates for other coverage scenarios.

• The lowest rate with discounts is $850
• Using higher $1,000 deductibles will save approximately $176 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,456
• Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,796
• Drivers with multiple violations and an at-fault accident could pay up to $3,142 or more
• Policy cost that insures a teen driver with full coverage can cost as much as $5,544 or more

View Chart as Image

Car insurance rates for a Dodge Ram also range considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance can be as much as 43% to 130% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $5,500 a year. View Rates by Age

Your home state has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see rates as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,970 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $520 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $450 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so rate quotes will be varied.

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 the Cheapest Dodge Ram Insurance

Finding cheaper rates on car insurance requires avoiding accidents and claims, having a positive credit history, being claim-free, and not having any coverage lapses. Shop around at least every other year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The points below are a recap of the car insurance concepts covered above.

• Higher risk drivers that have major violations or accidents may have to pay on average $1,690 more annually to insure a Dodge Ram
• It is possible to save approximately $170 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Policyholders who want increased liability limits will pay about $550 annually to increase from a 30/60 limit to the 250/500 level