Dodge Ram Insurance Rates

Estimated insurance rates for a Dodge Ram are $1,456 a year for full coverage insurance. Comprehensive insurance costs around $292, collision costs $484, and liability coverage costs around $500. A liability-only policy costs as low as $560 a year, with high-risk insurance costing $3,142 or more. Teenage drivers pay the most at $5,544 a year or more.

Average premium for full coverage: $1,456

Premium estimates for type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different Ram trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates how geographic area affects auto insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices for a specific zip code, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $850
• Using higher $1,000 deductibles will save about $176 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,456
• Using more expensive low deductibles for physical damage coverage will cost an additional $340 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,142 or more
• An auto insurance policy that insures a teenage driver with full coverage can be $5,544 or more

View Chart as Image

Auto insurance prices for a Dodge Ram also have a wide range based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,700 to $2,400 in extra premium annually, depending on your age. High-risk driver insurance can be around 43% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $5,500 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Ram insurance rates. A driver around age 40 might see prices as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,970 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $520 a year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $450 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out your exact price is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially 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 More Affordable Dodge Ram Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices every year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a summary of the coverage data presented in the illustrations above.

• It is possible to save up to $170 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $525 each year
• Teenagers are expensive to insure, with premiums being up to $462 per month if the policy includes full coverage
• Drivers who have multiple accidents or major violations could be forced to pay on average $1,690 more every year for car insurance