Dodge Ram Insurance Rates

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UPDATED: Jun 8, 2024

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The average insurance prices for a Dodge Ram are $1,456 every 12 months for full coverage insurance. Comprehensive costs approximately $292, collision insurance costs $484, and liability is $500. Liability-only insurance costs around $560 a year, and high-risk driver insurance 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:

Comprehensive $292
Collision $484
Liability $500

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Ram models.

Price Range Variability

For the average 40-year-old driver, Dodge Ram insurance rates range from the cheapest price of $560 for basic liability insurance to the much higher price of $3,142 for a high-risk driver policy.

Liability Only $560
Full Coverage $1,456
High Risk $3,142

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion. The example below illustrates the difference location can make on auto insurance prices.

Rural Areas $1,092
Small Cities $1,529
Large Cities $1,966

The examples above illustrate why everyone 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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

The chart below illustrates average 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 good driver age 40 who chooses $500 deductibles is $1,456
  • Selecting pricier low deductibles increases the price to $1,796
  • Drivers with serious driving violations could pay around $3,142
  • Policy cost to insure a 16-year-old driver for full coverage can cost $5,544

View Chart as Image

Dodge Ram insurance cost comparison chart
Column chart showing Dodge Ram insurance rates range from $850 to $5,544 for full coverage

Auto insurance rates for a Dodge Ram also range considerably based on liability limits and deductibles, 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 buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $450 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $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 are probably paying anywhere from $1,700 to $2,400 in extra premium every year, depending on your age. Dodge Ram insurance for high-risk drivers is expensive and can cost from 43% to 130% more than the average policy. View High Risk Driver Rates

Your home state 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.

Dodge Ram Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,316 -$140 -9.6%
Alaska $1,118 -$338 -23.2%
Arizona $1,208 -$248 -17.0%
Arkansas $1,456 -$0 0.0%
California $1,660 $204 14.0%
Colorado $1,390 -$66 -4.5%
Connecticut $1,496 $40 2.7%
Delaware $1,648 $192 13.2%
Florida $1,822 $366 25.1%
Georgia $1,346 -$110 -7.6%
Hawaii $1,044 -$412 -28.3%
Idaho $986 -$470 -32.3%
Illinois $1,082 -$374 -25.7%
Indiana $1,098 -$358 -24.6%
Iowa $984 -$472 -32.4%
Kansas $1,382 -$74 -5.1%
Kentucky $1,984 $528 36.3%
Louisiana $2,156 $700 48.1%
Maine $898 -$558 -38.3%
Maryland $1,202 -$254 -17.4%
Massachusetts $1,164 -$292 -20.1%
Michigan $2,528 $1,072 73.6%
Minnesota $1,218 -$238 -16.3%
Mississippi $1,744 $288 19.8%
Missouri $1,292 -$164 -11.3%
Montana $1,564 $108 7.4%
Nebraska $1,148 -$308 -21.2%
Nevada $1,746 $290 19.9%
New Hampshire $1,050 -$406 -27.9%
New Jersey $1,628 $172 11.8%
New Mexico $1,286 -$170 -11.7%
New York $1,534 $78 5.4%
North Carolina $838 -$618 -42.4%
North Dakota $1,194 -$262 -18.0%
Ohio $1,004 -$452 -31.0%
Oklahoma $1,492 $36 2.5%
Oregon $1,334 -$122 -8.4%
Pennsylvania $1,386 -$70 -4.8%
Rhode Island $1,942 $486 33.4%
South Carolina $1,318 -$138 -9.5%
South Dakota $1,228 -$228 -15.7%
Tennessee $1,274 -$182 -12.5%
Texas $1,754 $298 20.5%
Utah $1,076 -$380 -26.1%
Vermont $996 -$460 -31.6%
Virginia $872 -$584 -40.1%
Washington $1,124 -$332 -22.8%
West Virginia $1,334 -$122 -8.4%
Wisconsin $1,008 -$448 -30.8%
Wyoming $1,298 -$158 -10.9%

View Chart as Image

Dodge Ram insurance rates by U.S. city

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.

Dodge Ram Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Dodge Ram $332 $536 $450 $1,498
2023 Dodge Ram $320 $524 $470 $1,494
2022 Dodge Ram $310 $502 $486 $1,478
2021 Dodge Ram $292 $484 $500 $1,456
2018 Dodge Ram $258 $380 $520 $1,338

Rates are averaged for all Dodge Ram models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Cheaper Dodge Ram Insurance

Finding cheaper rates on insurance for a Dodge Ram consists of being a good driver, having a good credit score, being claim-free, and possibly higher deductibles. Make time to compare rates every time your policy renews by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The following list is a condensed summary of the information touched on in this article.

  • It is possible to save around $170 per year just by quoting online well ahead of the renewal date
  • Drivers age 16 to 20 have the highest car insurance rates, possibly costing $462 each month if comprehensive and collision insurance is included
  • Increasing comprehensive and collision deductibles could save as much as $525 each year
  • Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,690 more per year than a safer driver
  • Insureds who purchase an increased level of liability coverage will pay approximately $550 annually to raise from a 30/60 limit to a 250/500 level

Rates by Driver Age

Dodge Ram Insurance Rates by Driver Age
Driver Age Premium
16 $5,544
20 $3,344
30 $1,508
40 $1,456
50 $1,332
60 $1,306

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,796
$250 $1,640
$500 $1,456
$1,000 $1,280

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,456
50/100 $1,658
100/300 $1,783
250/500 $2,108
100 CSL $1,708
300 CSL $1,983
500 CSL $2,183

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Insurance Rates for High Risk Drivers
Age Premium
16 $7,884
20 $5,328
30 $3,202
40 $3,142
50 $3,000
60 $2,974

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $200

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $77
Multi-vehicle $77
Homeowner $23
5-yr Accident Free $102
5-yr Claim Free $93
Paid in Full/EFT $62
Advance Quote $70
Online Quote $102
Total Discounts $606
Rate after discounts $850

Discounts are estimated and may not be available from every company or in every state.

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