Dodge Ram Insurance Rates

U.S. average auto insurance rates for a Dodge Ram are $1,478 annually for full coverage. Comprehensive costs around $310 a year, collision costs $502, and liability is $486. Buying just liability costs around $548 a year, with insurance for high-risk drivers costing around $3,180. Teenage drivers pay the highest rates at $5,568 a year or more.

Average premium for full coverage: $1,478

Price estimates for individual coverage:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and Ram trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population have fewer accident claims than densely populated cities.

The diagram below illustrates how your location can change auto insurance rates.

The ranges above show why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $862
• Raising to $1,000 deductibles will save about $1,294 a year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,478
• Using low $100 deductibles will cost $1,832
• Drivers who are prone to accidents and violations could pay at least $3,180 or more
• The price with full coverage for a 16-year-old driver can be $5,568

View Chart as Image

Insurance prices for a Dodge Ram are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $5,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $1,700 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $540 annually, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $438 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Dodge Ram insurance prices. A middle-age driver might find prices as low as $970 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,100 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know your exact price is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate prices, and prices may be quite different between companies.

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 Buy Cheap Dodge Ram Insurance

Getting lower rates on insurance for a Dodge Ram consists of being a good driver, having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to shop around at every policy renewal by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a brief summary of the data illustrated above.

• Insureds who may need an increased level of liability coverage will pay an extra $540 each year to raise from a low limit to higher 250/500 limits
• Drivers can save up to $180 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $550 each year
• Drivers age 16 to 20 are charged the highest prices, with premiums as much as $464 a month if they have full coverage