Dodge Ram Insurance Rates

The average insurance prices for a Dodge Ram are $1,456 every 12 months for full coverage. Comprehensive costs on average $292, collision costs $484, and liability costs $500. A liability-only policy costs as little as $560 a year, with high-risk insurance costing around $3,142. Teenage drivers cost the most to insure at $5,544 a year or more.

Average premium for full coverage: $1,456

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all Ram models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities.

The example below illustrates the effect of geographic area on car insurance rates.

The examples above show why everyone should compare rates based on a specific location and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

The chart below shows estimated Dodge Ram insurance rates for different risk profiles and scenarios.

• The best discount rate is $850
• Drivers who choose higher $1,000 deductibles will pay around $176 a year
• The average price for a good driver age 40 with $500 deductibles is $1,456
• Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,796
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,142 or more
• Policy cost to insure a teen driver for full coverage may cost $5,544 a year

View Chart as Image

Car insurance rates for a Dodge Ram also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Ram.

Using high physical damage deductibles could save up to $520 every year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $450 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $5,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,700 to $2,400 extra every 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

Your home state makes a big difference in Dodge Ram insurance prices. A 40-year-old driver could pay 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

Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates and see which company has the best rate. Every company uses a different method to calculate rates, so rate quotes will be varied.

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 Shop for More Affordable Dodge Ram Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates at least every other year by requesting quotes from direct carriers, and also from local independent and exclusive agents.

The points below are a summary of the car insurance concepts covered in the above illustrations.

• Higher risk drivers who have multiple accidents or major violations pay an average of $1,690 more each year to insure a Dodge Ram
• Drivers can save as much as $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Policyholders who require increased liability limits will pay an extra $550 each year to go from a 30/60 limit to a 250/500 level