Dodge Ram Insurance Rates

Average insurance rates for a Dodge Ram are $1,456 a year including full coverage. Comprehensive costs around $292, collision costs $484, and liability costs $500. Buying just liability costs as little as $560 a year, with insurance for high-risk drivers costing around $3,142. 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:

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

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities.

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

These examples highlight why everyone should compare rates for a specific zip code, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $850
• Drivers who choose higher $1,000 deductibles will pay about $176 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,456
• Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,796
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,142 or more
• The cost that insures a teen driver for full coverage can be $5,544 a year

View Chart as Image

Auto insurance rates for a Dodge Ram can also vary considerably based on the model of your Ram, 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 in extra premium per year, depending on your age. Dodge Ram insurance for high-risk drivers can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $5,500 a year. View Rates by Age

Where you live makes a big difference in Dodge Ram insurance prices. A 40-year-old driver could pay 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 save up to $520 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $450 extra every 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 regularly compare rates and see which company has the best rate. Every company uses a different method to calculate rates, and quoted 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 the Right Dodge Ram Insurance

Saving money on car insurance not only requires having a decent driving record, but also maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare prices at least every other year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a quick rundown of the car insurance concepts covered above.

• Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,690 more every year than a driver with a clean driving record
• You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $525 each year
• Policyholders who may need additional liability coverage will pay an extra $550 per year to go from a minimum limit to the 250/500 level