Dodge Ram Insurance Rates

Average insurance rates for a Dodge Ram are $1,456 a year including full coverage. Comprehensive costs approximately $292, collision costs $484, and liability insurance is estimated at $500. A policy with just liability insurance costs approximately $560 a year, with coverage for high-risk drivers costing around $3,142. 16-year-old drivers receive the highest rates at $5,544 a year or more.

Average premium for full coverage: $1,456

Rate estimates by individual coverage type:

These estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all Ram models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than congested cities.

The example below illustrates the effect of geographic area on auto insurance prices.

These examples highlight why everyone should get quotes using their specific location, rather than relying on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $850
• Choosing higher $1,000 deductibles can save $176 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,456
• Buying pricier low deductibles for comp and collision coverage bumps up the cost to $1,796
• High-risk insureds with multiple tickets or accidents could pay around $3,142 or more
• The cost that insures a teen driver for full coverage can cost $5,544 each year

View Chart as Image

Insurance rates for a Dodge Ram can also vary considerably based on the model of your Ram, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,700 to $2,400 additional per year, depending on your age. Dodge Ram insurance for high-risk drivers ranges anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average for full coverage. Rates are highest for teen 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

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

View Chart as Image

Opting for high physical damage deductibles can save as much as $520 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $450 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, and rates can be significantly 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 Cheap Dodge Ram Insurance

Saving money on Dodge Ram insurance takes being a low-risk driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Comparison shop every year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The items below are a brief summary of the coverage data covered in the above illustrations.

• You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $525 each year
• Teen drivers are the costliest to insure, as much as $462 per month if comprehensive and collision insurance is included
• High-risk drivers that tend to have accidents or serious violations will likely pay on average $1,690 more per year to insure their Ram