Dodge Ram Insurance Rates

The average insurance prices for a Dodge Ram are $1,456 every 12 months for full coverage insurance. Comprehensive insurance costs on average $292 a year, collision costs $484, and liability insurance is estimated at $500. Buying just liability costs approximately $560 a year, with insurance for high-risk drivers costing $3,142 or more. 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:

Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Ram trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas are shown to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates how where you live affects car insurance rates.

The examples above illustrate why it is important to get quotes based on a specific location and their own driving history, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $850
• Choosing higher $1,000 deductibles can save around $1,280 each year
• The average price for a good driver age 40 with $500 deductibles is $1,456
• Using low $100 deductibles for comp and collision coverage costs an extra $340 a year
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,142 or more
• Policy cost to insure a teen driver may cost $5,544 each year

View Chart as Image

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

Using high physical damage deductibles can save as much as $520 each year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $450 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay 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 are probably paying at a minimum $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Dodge Ram insurance rates. A good driver about age 40 could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,970 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, so the rates 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 the Cheapest Dodge Ram Insurance

Finding cheaper rates on Dodge Ram insurance takes having a decent driving record, having good credit, being claim-free, and bundling your home and auto policies. Take the time to comparison shop at least every other year by getting price quotes from direct insurance companies, and also from several local insurance agents.

The following items are a recap of the car insurance concepts touched on in the above illustrations.

• High-risk drivers that have major violations or accidents pay on average $1,690 more each year than a driver with a clean driving record
• It is possible to save as much as $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Drivers who require additional liability coverage will pay an extra $550 annually to raise limits from a 30/60 limit to a 250/500 level