Dodge Ram Insurance Rates

Estimated insurance rates for a Dodge Ram are $1,456 a year with full coverage. Comprehensive insurance costs approximately $292 a year, collision costs $484, and liability coverage costs $500. Liability-only coverage costs as little as $560 a year, with high-risk coverage costing $3,142 or more. Teenage drivers pay the most at $5,544 a year or more.

Average premium for full coverage: $1,456

Premium estimates by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and Ram trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences demonstrate why it is important to compare rates using their specific location, rather than using average rates.

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

Detailed Rate Analysis

The chart below details estimated Dodge Ram insurance rates for additional coverage and risk scenarios.

• The best discount rate is $850
• Drivers who choose higher $1,000 deductibles will pay $1,280 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,456
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $340 each year
• High-risk insureds who are prone to accidents and violations could pay around $3,142 or more
• An auto insurance policy that insures a teenage driver can cost $5,544 a year

View Chart as Image

Insurance prices for a Dodge Ram also have a wide range based on the trim level of your Ram, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $5,500 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Ram insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,970 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $520 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $450 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes and see how they stack up. Every company uses a different method to calculate prices, so the prices will be substantially different.

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 Cheaper Dodge Ram Insurance

Finding better rates on auto insurance not only requires avoiding accidents and violations, but also having above-average credit, being claim-free, and maximizing policy discounts. Compare prices at least once a year by requesting rates from direct companies, and also from local insurance agencies.

The list below is a condensed summary of the primary concepts that were covered above.

• You may be able to save around $170 per year simply by quoting early and online
• Drivers with multiple at-fault accidents may have to pay on average $1,690 more per year for car insurance
• Increasing policy deductibles can save approximately $525 each year
• Teenagers are expensive to insure, possibly costing $462 per month if full coverage is included