Dodge Ram Insurance Rates

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

Average premium for full coverage: $1,456

Rate estimates for individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for different Ram trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These examples highlight why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.

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 best discount rate is $850
• Using higher $1,000 deductibles will save about $176 every year
• The average rate for a 40-year-old driver using $500 deductibles is $1,456
• Using more expensive low deductibles for physical damage coverage will cost an extra $340 annually
• High-risk insureds who are prone to accidents and violations could pay at least $3,142 or more
• The cost for full coverage for a 16-year-old driver with full coverage can be $5,544 or more

View Chart as Image

Insurance rates for a Dodge Ram can also vary considerably based on your driver profile, the model of your Ram, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles may pay as low as $1,400 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $5,500 a year. View Rates by Age

Where you live has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see rates as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,080 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $520 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $450 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,700 to $2,400 additional per year, depending on your age. High-risk driver insurance can be from 43% to 130% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out your exact price is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and rates can be significantly different from one company to the next.

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 More Affordable Dodge Ram Insurance

Saving money on insurance for a Dodge Ram requires having a decent driving record, having a good credit history, not filing small claims, and taking advantage of discounts. Set aside time to compare rates every other policy renewal by getting quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following items are a summary of the ideas that were covered above.

• 16 to 18-year-old drivers are charged the highest rates, as much as $462 per month including comprehensive and collision insurance
• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,690 more every year than a driver with a clean driving record
• Increasing deductibles can save around $525 each year
• You may be able to save up to $170 per year simply by shopping early and online