Dodge Ram Insurance Rates

U.S. average insurance rates for a Dodge Ram are $1,456 a year for full coverage insurance. Comprehensive insurance costs approximately $292, collision insurance costs $484, and liability coverage costs $500. Liability-only coverage costs as little as $560 a year, and high-risk coverage costs $3,142 or more. Teenage drivers pay the highest rates at up to $5,544 a year.

Average premium for full coverage: $1,456

Price estimates by individual coverage:

Price estimates include $500 deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all Ram models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of auto insurance. Rural locations have lower incidents of physical damage claims than densely populated cities. The example below illustrates how geographic area affects auto insurance prices.

The ranges above illustrate why everyone should compare rates using their specific location, rather than using average rates.

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

Additional Rate Information

The chart below illustrates average Dodge Ram insurance rates for additional coverage and risk scenarios.

• The best discount rate is $850
• Drivers who choose higher $1,000 deductibles will pay $176 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,456
• Using pricier low deductibles for comprehensive and collision insurance will cost an additional $340 each year
• High-risk insureds who are prone to accidents and violations could pay around $3,142
• The price that insures a teenage driver for full coverage can cost $5,544 a year

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Auto insurance prices for a Dodge Ram are also quite variable based on the model of your Ram, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,700 to $2,400 in extra premium each year, depending on your age. Dodge Ram insurance for high-risk drivers can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,500 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles could save up to $520 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $450 extra every year. View Rates by Deductible or Liability Limit

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

Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and possibly higher deductibles. Compare prices at least once a year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The following is a condensed summary of the primary concepts that were presented in the illustrations above.

• It is possible to save around $170 per year just by quoting online well ahead of the renewal date
• Drivers with multiple at-fault accidents could be charged and average of $1,690 more per year for Ram insurance
• Increasing physical damage deductibles can save approximately $525 each year
• Teens have the highest car insurance prices, as much as $462 a month if the policy includes full coverage