Dodge Ram Insurance Rates

The average auto insurance rates for a Dodge Ram are $1,456 annually including full coverage. Comprehensive insurance costs an estimated $292 each year, collision costs $484, and liability is estimated at $500. A liability-only policy costs approximately $560 a year, with high-risk insurance costing $3,142 or more. Teen drivers cost the most to insure at $5,544 a year or more.

Average premium for full coverage: $1,456

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Ram models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why all drivers should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below breaks down estimated Dodge Ram insurance rates for other coverage scenarios.

• The lowest rate with discounts is $850
• Choosing higher $1,000 deductibles can save approximately $176 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,456
• Choosing low deductibles for comp and collision coverage costs an additional $340 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,142 or more
• Policy cost with full coverage for a 16-year-old driver can cost as much as $5,544 each year

View Chart as Image

Car insurance rates for a Dodge Ram also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $5,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,700 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $520 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $450 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Dodge Ram insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,080 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes will be varied 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 More Affordable Dodge Ram Insurance

Finding cheaper rates on insurance for a Dodge Ram takes having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Set aside time to compare rates every year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a summary of the coverage data covered above.

• You may be able to save approximately $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $525 each year
• 16 to 18-year-old drivers have the highest car insurance rates, with premiums being up to $462 each month if comprehensive and collision insurance is included
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,690 more annually than a driver with a clean driving record