Dodge Ram Insurance Rates

Average insurance rates for a Dodge Ram are $1,456 a year for full coverage insurance. Comprehensive insurance costs on average $292 each year, collision costs $484, and liability is estimated at $500. A policy with just liability insurance costs approximately $560 a year, with coverage for high-risk drivers costing $3,142 or more. Teenage drivers receive the highest rates at $5,544 a year or more.

Average premium for full coverage: $1,456

Rate estimates by individual coverage type:

Full coverage includes $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Ram models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on insurance rates. Rural areas tend to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how geographic area affects car insurance rates.

These examples illustrate why all drivers should get quotes based on a specific location, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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 $176 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,456
• Using low deductibles for comp and collision coverage will cost an additional $340 annually
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,142 or more
• The cost that insures a 16-year-old driver may cost $5,544 each year

View Chart as Image

Insurance rates for a Dodge Ram can also vary considerably based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,700 to $2,400 additional per 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

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,500 a year. View Rates by Age

Where you live plays a big part in determining prices for Dodge Ram insurance prices. 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

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

With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate rates, and rates can be significantly different.

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 More Affordable Dodge Ram Insurance

Saving money on insurance for a Dodge Ram takes not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare prices once a year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a summary of the data that was presented in the illustrations above.

• It is possible to save as much as $170 per year simply by quoting online in advance
• Insureds who require higher liability limits will pay an extra $550 annually to raise limits from a minimum limit to the 250/500 level
• Teens pay higher rates, costing up to $462 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,690 more each year for Ram insurance