Dodge Ram Insurance Rates

The average insurance prices for a Dodge Ram are $1,456 every 12 months for full coverage. Comprehensive insurance costs around $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 $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 for type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Ram trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than larger metro areas.

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

The examples above show why it is important to compare prices for a specific zip code and their own driving history, instead of using price averages.

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

Additional Rate Analysis

The chart below shows estimated Dodge Ram insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $850
• Using higher $1,000 deductibles will save about $1,280 a year
• The average price for a good driver age 40 using $500 deductibles is $1,456
• Choosing low $100 deductibles for physical damage coverage costs an extra $340 every year
• Drivers with multiple violations and an at-fault accident could pay at least $3,142 or more
• Policy cost to insure a teen driver can be $5,544 or more

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Insurance rates for a Dodge Ram also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Choosing high deductibles could cut rates by as much as $520 every year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $450 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $5,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,700 to $2,400 extra every 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

Your home state has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see rates as low as $960 a year in states like Idaho, Maine, and Iowa, or as much as $2,080 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know your exact price is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates will be varied.

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 Shop for More Affordable Dodge Ram Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates at least every other year by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The list below is a summary of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers who have multiple accidents or major violations may pay on average $1,690 more every year for car insurance
• Drivers can save up to $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Policyholders who may need higher liability limits will pay about $550 each year to increase from a 30/60 limit to a 250/500 level