Dodge Ram Insurance Rates

U.S. average insurance rates for a Dodge Ram are $1,456 a year including full coverage. Comprehensive costs approximately $292 a year, collision insurance costs $484, and liability costs around $500. Liability-only coverage costs as low as $560 a year, and high-risk coverage costs around $3,142. 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:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and Ram trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above highlight why it is important to compare prices using their specific location, instead of using average rates.

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

Rates by State, City, and Model

The chart below breaks down average Dodge Ram insurance rates for additional coverage and risk scenarios.

• The best discount rate is $850
• Using higher $1,000 deductibles will save $1,280 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,456
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,796
• Drivers who are prone to accidents and violations could pay around $3,142
• The price that insures a teen driver can cost $5,544 or more

View Chart as Image

Auto insurance prices for a Dodge Ram are also quite variable based on the trim level of your Ram, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,700 to $2,400 in extra premium each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,500 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $520 every year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $450 extra every year. View Rates by Deductible or Liability Limit

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 Low Cost Dodge Ram Insurance

Getting lower rates on car insurance requires avoiding accidents and claims, maintaining a good credit score, being claim-free, and possibly higher deductibles. Compare prices at least once a year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The points below are a review of the primary concepts that were covered above.

• You may be able to save around $170 per year just by quoting early and online
• Higher risk drivers who have several accidents or serious violations will likely pay on average $1,690 more per year to insure a Dodge Ram
• Increasing physical damage deductibles can save approximately $525 each year
• Drivers under the age of 20 have the highest car insurance prices, possibly costing $462 a month if the policy includes full coverage