Dodge Ram Insurance Rates

Average insurance rates for a Dodge Ram are $1,456 a year including full coverage. Comprehensive insurance costs around $292 each year, collision costs $484, and liability is estimated at $500. A policy with just liability insurance costs approximately $560 a year, with coverage for high-risk drivers costing $3,142 or more. Teens receive the highest rates at $5,544 a year or more.

Average premium for full coverage: $1,456

Rate estimates for individual coverage type:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Ram models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how where you live affects auto insurance rates.

These examples highlight why all drivers should get quotes for a specific zip code, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $850
• Choosing higher $1,000 deductibles can save about $176 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,456
• Selecting low deductibles for comp and collision coverage will cost an additional $340 every year
• Unlucky drivers with serious driving violations could pay at least $3,142 or more
• The cost that insures a teen driver can be $5,544 each year

View Chart as Image

Insurance rates for a Dodge Ram can also vary considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,700 to $2,400 additional per year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 130% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $5,500 a year. View Rates by Age

Where you live plays a big part in determining prices for Dodge Ram insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,080 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $520 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $450 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out your exact price is to do a rate comparison and see which company has the best rate. Each auto insurer calculates rates differently, and rates can be significantly 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 Affordable Dodge Ram Insurance

Saving money on car insurance takes being safe and accident-free, having a good credit score, not filing small claims, and taking advantage of discounts. Compare rates at least every other year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a brief review of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,690 more every year than a low-risk driver
• You may be able to save up to $170 per year simply by quoting online in advance
• Increasing deductibles can save approximately $525 each year
• Policyholders who may need more liability protection will pay approximately $550 per year to raise limits from a minimum limit to the 250/500 level