Dodge Ram Insurance Rates

U.S. average insurance rates for a Dodge Ram are $1,456 a year including full coverage. Comprehensive costs approximately $292 a year, collision costs $484, and liability costs around $500. Buying just liability costs as low as $560 a year, with insurance for high-risk drivers costing around $3,142. Teen drivers pay the highest rates at $5,544 a year or more.

Average premium for full coverage: $1,456

Price estimates by individual coverage:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Ram trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location helps determine auto insurance prices.

The ranges above highlight why it is important to compare prices using their specific location, instead of using price averages.

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

More Rate Details

The chart below breaks down estimated Dodge Ram insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $850
• Using higher $1,000 deductibles will save $1,280 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,456
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,796
• Drivers with multiple violations and an at-fault accident could pay around $3,142 or more
• The price that insures a teen driver can cost $5,544 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,700 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 130% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark 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 $1,120 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

Choosing high deductibles could cut prices by as much as $520 every year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $450 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes and see which company has the best price. Each insurance company uses a different rate calculation, and prices may be quite 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 Low Cost Dodge Ram Insurance

Getting lower rates on car insurance requires having a decent driving record, having a good credit score, being claim-free, and qualifying for all possible discounts. Shop around every other policy renewal by getting quotes from direct car insurance companies, and also from local auto insurance providers.

The following items are a review of the ideas that were covered in the charts and tables above.

• 16 to 18-year-old drivers are the costliest to insure, possibly costing $462 a month if comprehensive and collision insurance is included
• Higher risk drivers who have several accidents or serious violations will likely pay on average $1,690 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $525 each year
• You may be able to save around $170 per year simply by quoting early and online