Dodge Ram Insurance Rates

Estimated insurance rates for a Dodge Ram are $1,456 a year for full coverage. Comprehensive costs around $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 pay the most at $5,544 a year or more.

Average premium for full coverage: $1,456

Premium estimates for type of coverage:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for all Ram models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than larger metro areas.

The example below illustrates the difference location can make on auto insurance rates.

These rate differences show why everyone should compare prices for a specific zip code and risk profile, instead of using price averages.

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

Additional Rate Details

The chart below shows estimated Dodge Ram insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $850
• Using higher $1,000 deductibles will save about $176 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,456
• Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,796
• Drivers with multiple violations and an at-fault accident could pay at least $3,142 or more
• An auto insurance policy for full coverage for a teen driver for full coverage can be $5,544 or more

View Chart as Image

Auto insurance prices for a Dodge Ram also have a wide range based on your driving characteristics, the trim level of your Ram, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay as much as $5,500 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see prices as low as $960 a year in states like Idaho, Maine, and Iowa, or as much as $2,080 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $520 every year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $450 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,700 to $2,400 in extra premium annually, depending on your age. Dodge Ram insurance for high-risk drivers can be as much as 43% to 130% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to know your exact price is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, and quoted prices will be substantially different from one company to the next.

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 Right Dodge Ram Insurance

Finding better rates on car insurance requires avoiding accidents and claims, having good credit, not filing small claims, and maximizing policy discounts. Make time to compare rates every time your policy renews by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The points below are a quick rundown of the information touched on in this article.

• Drivers can save up to $170 per year simply by quoting online well ahead of the renewal date
• Drivers under the age of 20 are expensive to insure, as much as $462 per month if they have full coverage
• Increasing policy deductibles can save around $525 each year
• Higher risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,690 more every year to insure a Dodge Ram
• Policyholders who may need increased liability limits will pay about $550 each year to increase from 30/60 bodily injury limits to 250/500 limits