Dodge Ram Insurance Rates

The average insurance prices for a Dodge Ram are $1,456 every 12 months for full coverage. Comprehensive costs an estimated $292, collision costs $484, and liability costs $500. Buying just liability costs as little as $560 a year, with insurance for high-risk drivers costing around $3,142. Teens 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:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different Ram trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. More rural locations are shown to have more infrequent accident claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects insurance prices.

The examples above show why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $850
• Drivers who choose higher $1,000 deductibles will pay approximately $176 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,456
• Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,796
• Higher-risk drivers with serious driving violations could pay up to $3,142 or more
• Policy cost to insure a teen driver with full coverage can cost as much as $5,544 a year

View Chart as Image

Insurance rates for a Dodge Ram also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $520 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $450 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $5,500 a year. View Rates by Age

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

Your home state makes a big difference in Dodge Ram insurance prices. A 40-year-old driver could pay as low as $960 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,080 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates and see which company has the best rate. Every company calculates rates differently, so the rates 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 Shop for Low Cost Dodge Ram Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every couple of years by getting quotes from direct carriers, and also from several local insurance agents.

The list below is a review of the material that was touched on in the above illustrations.

• Policyholders who want higher liability limits will pay approximately $550 each year to go from a 30/60 limit to a 250/500 level
• Teenagers are charged the highest rates, costing up to $462 each month if they have full coverage
• Higher risk drivers who have several accidents or serious violations pay on average $1,690 more annually for car insurance
• Increasing comprehensive and collision deductibles could save as much as $525 each year