Dodge Ram Insurance Rates

U.S. average insurance rates for a Dodge Ram are $1,478 a year with full coverage. Comprehensive insurance costs on average $310, collision costs $502, and liability costs around $486. Liability-only coverage costs as low as $548 a year, with high-risk coverage costing $3,180 or more. Teenage drivers pay the highest rates at $5,568 a year or more.

Average premium for full coverage: $1,478

Price estimates by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for all Ram models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on auto insurance rates. Rural areas have a lower frequency of collision claims than densely populated cities.

The example below illustrates how location helps determine car insurance rates.

The ranges above demonstrate why everyone should compare prices based on a specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $862
• Using higher $1,000 deductibles will save around $184 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,478
• Using pricier low deductibles for physical damage coverage will cost an extra $354 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,180 or more
• The price for full coverage for a 16-year-old driver for full coverage may cost $5,568 or more

View Chart as Image

Auto insurance prices for a Dodge Ram are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay upwards of $5,500 a year. View Rates by Age

The state you live in has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see prices as low as $1,060 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,990 on average in Florida, Michigan, and New York.

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Using high physical damage deductibles could cut prices by as much as $540 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $438 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,400 in extra premium each year, depending on your age. Dodge Ram insurance for high-risk drivers can be from 43% to 129% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and quoted prices may be quite different from one company to the next.

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 Affordable Dodge Ram Insurance

Getting lower rates on insurance for a Dodge Ram requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates every other policy renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

The list below is a brief review of the ideas that were covered in the charts and tables above.

• Teenagers are charged the highest prices, costing up to $464 a month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,700 more each year for car insurance
• Increasing physical damage deductibles can save around $550 each year
• You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date