Dodge Ram Insurance Rates

U.S. average insurance prices for a Dodge Ram are $1,456 every 12 months including full coverage. Comprehensive insurance costs on average $292 each year, collision insurance costs $484, and liability is estimated at $500. Liability-only coverage costs approximately $560 a year, and high-risk coverage costs $3,142 or more. Teenage drivers pay the highest rates at up to $5,544 a year.

Average premium for full coverage: $1,456

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above highlight why all drivers should get quotes based on a specific location and their own driving history, 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 average Dodge Ram insurance rates for different risk profiles and scenarios.

• The best discount rate is $850
• Choosing higher $1,000 deductibles can save around $176 every year
• The average price for the average middle-age driver with $500 deductibles is $1,456
• Using low deductibles for comp and collision coverage costs an extra $340 annually
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,142
• The price to insure a 16-year-old driver may cost $5,544 each year

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Auto insurance prices for a Dodge Ram are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your Ram.

Using high physical damage deductibles can save as much as $520 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $450 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $5,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,700 to $2,400 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in 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 be forced to pay as much as $2,080 on average in Michigan, New York, and Louisiana.

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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

Getting lower rates on insurance for a Dodge Ram takes having a decent driving record, having a good credit score, being claim-free, and deciding if full coverage is necessary. Set aside time to compare rates at every other renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

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

• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,690 more each year than a driver with a clean driving record
• 16 to 18-year-old drivers are charged the highest prices, possibly costing $462 a month if comprehensive and collision insurance is included
• You may be able to save as much as $170 per year just by quoting online in advance
• Increasing physical damage deductibles could save as much as $525 each year
• You may be able to save as much as $170 per year just by quoting online in advance