Dodge Ram Insurance Rates

U.S. average insurance prices for a Dodge Ram are $1,456 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $292 a year, collision insurance costs $484, and liability costs $500. A policy with just liability insurance costs as little as $560 a year, and coverage for high-risk drivers costs $3,142 or more. Teens pay the highest rates at up to $5,544 a year.

Average premium for full coverage: $1,456

Price estimates broken down by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Ram trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of insurance. More rural locations have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates how location helps determine insurance prices.

The ranges above illustrate why it is important to compare rates for a targeted area and their own driving history, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below illustrates average Dodge Ram insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $850
• Drivers who choose higher $1,000 deductibles will pay approximately $1,280 each year
• The average price for the average middle-age driver who has $500 deductibles is $1,456
• Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $340 every year
• Higher-risk drivers with serious driving violations could pay up to $3,142
• The price to insure a teen driver can cost as much as $5,544 a year

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

Choosing higher comprehensive and collision insurance deductibles could save up to $520 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $450 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $5,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 130% more than the average policy. View High Risk Driver Rates

The state you live in makes a big difference in Dodge Ram insurance prices. A 40-year-old driver could pay as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,970 on average in Florida, New York, and Michigan.

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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 the Best Cheap Dodge Ram Insurance

Getting lower rates on car insurance not only requires having a decent driving record, but also having good credit, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates at every other renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a quick review of the concepts that were covered in the charts and tables above.

• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,690 more annually than a driver with a clean driving record
• 16 to 18-year-old drivers are charged the highest prices, as much as $462 a month if they have full coverage
• It is possible to save approximately $170 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $525 each year
• It is possible to save approximately $170 per year just by quoting early and online