Dodge Ram Insurance Rates

The average auto insurance rates for a Dodge Ram are $1,456 annually for full coverage. Comprehensive costs around $292 a year, collision insurance costs $484, and liability costs around $500. Buying just liability costs as low as $560 a year, and insurance for high-risk drivers costs around $3,142. Teenage drivers cost the most to insure at up to $5,544 a year.

Average premium for full coverage: $1,456

Policy rates for type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Ram trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than densely populated cities. The diagram below illustrates how location impacts auto insurance rates.

The examples above show why it is important to compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $850
• Using higher $1,000 deductibles will save about $1,280 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,456
• Using low $100 deductibles for physical damage coverage will cost $1,796
• High-risk insureds who are prone to accidents and violations could pay at least $3,142
• Policy cost with full coverage for a 16-year-old driver can be $5,544 or more

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $5,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy can be from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $520 annually, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $450 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see rates as low as $960 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,080 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Buy More Affordable Dodge Ram Insurance

Finding cheaper rates on insurance for a Dodge Ram requires avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Spend time shopping around every time your policy renews by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a summary of the information touched on above.

• Drivers can save up to $170 per year just by quoting early and online
• Teenagers pay higher rates, costing up to $462 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,690 more every year for car insurance
• Insureds who may need higher liability limits will pay an extra $550 each year to increase from a 30/60 limit to higher 250/500 limits