Dodge Ram Insurance Rates

The average auto insurance rates for a Dodge Ram are $1,456 annually with full coverage. Comprehensive insurance costs an estimated $292 a year, collision insurance costs $484, and liability insurance costs around $500. Buying just liability costs as low as $560 a year, and insurance for high-risk drivers costs $3,142 or more. Teenage drivers cost the most to insure at up to $5,544 a year.

Average premium for full coverage: $1,456

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Ram trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. More rural locations are shown to have fewer collision claims than densely populated cities. The diagram below illustrates how location helps determine insurance prices.

The examples above demonstrate why it is important to compare prices for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

The chart below details average Dodge Ram insurance rates for other coverage scenarios.

• The best discount rate is $850
• Using higher $1,000 deductibles will save approximately $1,280 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,456
• Using low $100 deductibles for physical damage coverage costs an additional $340 a year
• Drivers who are prone to accidents and violations could pay up to $3,142
• Policy cost with full coverage for a teen driver can cost as much as $5,544 or more

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

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $5,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $520 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $450 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Dodge Ram insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,970 on average in New York, Michigan, and Florida.

View Chart as Image

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 Buy Cheaper Dodge Ram Insurance

Finding cheaper rates on Dodge Ram insurance requires being safe and accident-free, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates every year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a condensed summary of the coverage data covered in the charts and tables above.

• You may be able to save approximately $170 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Youthful drivers are charged the highest rates, as much as $462 each month including comprehensive and collision insurance
• High-risk drivers with multiple at-fault accidents pay on average $1,690 more annually than a low-risk driver