Dodge Ram Insurance Rates

Estimated insurance rates for a Dodge Ram are $1,456 a year with full coverage. Comprehensive costs on average $292 a year, collision insurance costs $484, and liability costs around $500. A policy with only liability insurance costs as low as $560 a year, and a high-risk policy costs around $3,142. Teen drivers pay the most at up to $5,544 a year.

Average premium for full coverage: $1,456

Premium estimates by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and Ram trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than larger metro areas. The diagram below illustrates how where you live affects car insurance rates.

These rate differences demonstrate why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on price averages.

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

Additional Rate Information

The chart below details average Dodge Ram insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $850
• Using higher $1,000 deductibles will save around $1,280 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $1,456
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,796
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,142
• An auto insurance policy for full coverage for a 16-year-old driver may cost $5,544 or more

View Chart as Image

Car insurance prices for a Dodge Ram also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged upwards of $5,500 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,970 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $520 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $450 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy can be from 43% to 130% more than average. View High Risk Driver Rates

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 Cheaper Dodge Ram Insurance

Finding better rates on insurance for a Dodge Ram requires avoiding accidents and violations, having above-average credit, being claim-free, and possibly raising deductibles. Take the time to comparison shop every couple of years by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The list below is a condensed summary of the material that was touched on in the above illustrations.

• Insureds who require higher liability limits will pay about $550 every year to increase from 30/60 bodily injury limits to 250/500 limits
• Teenagers are expensive to insure, possibly costing $462 per month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents may be required to pay an average of $1,690 more each year for car insurance
• Increasing policy deductibles can save around $525 each year