Dodge Ram Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 8, 2024
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The average insurance rates for a Dodge Ram are $1,456 a year including full coverage. Comprehensive insurance costs on average $292, collision costs $484, and liability insurance costs around $500. A liability-only policy costs as low as $560 a year, with high-risk insurance 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 by type of insurance:
Price estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all Ram models.
Price Range Variability
For a 40-year-old driver, Dodge Ram insurance rates go from the low end price of $560 for a discount liability-only rate to the much higher price of $3,142 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than larger metro areas.
The example below illustrates how your location can change car insurance rates.
The examples above highlight why everyone should compare prices based on a specific location, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below breaks down estimated Dodge Ram insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $850
- Using higher $1,000 deductibles will save around $176 every year
- The estimated price for a good driver age 40 with $500 deductibles is $1,456
- Choosing pricier low deductibles for physical damage coverage will cost an additional $340 a year
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,142 or more
- Policy cost that insures a teen driver for full coverage may cost $5,544 or more
Car insurance rates for a Dodge Ram also range considerably based on the model of your Ram, your driving record and age, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,700 to $2,400 extra every year, depending on your age. Dodge Ram insurance for high-risk drivers can be anywhere from 43% to 130% more than average. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $5,500 a year. View Rates by Age
Your home state has a huge impact on Dodge Ram insurance rates. A driver around age 40 might see rates as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,080 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,316 | -$140 | -9.6% |
| Alaska | $1,118 | -$338 | -23.2% |
| Arizona | $1,208 | -$248 | -17.0% |
| Arkansas | $1,456 | -$0 | 0.0% |
| California | $1,660 | $204 | 14.0% |
| Colorado | $1,390 | -$66 | -4.5% |
| Connecticut | $1,496 | $40 | 2.7% |
| Delaware | $1,648 | $192 | 13.2% |
| Florida | $1,822 | $366 | 25.1% |
| Georgia | $1,346 | -$110 | -7.6% |
| Hawaii | $1,044 | -$412 | -28.3% |
| Idaho | $986 | -$470 | -32.3% |
| Illinois | $1,082 | -$374 | -25.7% |
| Indiana | $1,098 | -$358 | -24.6% |
| Iowa | $984 | -$472 | -32.4% |
| Kansas | $1,382 | -$74 | -5.1% |
| Kentucky | $1,984 | $528 | 36.3% |
| Louisiana | $2,156 | $700 | 48.1% |
| Maine | $898 | -$558 | -38.3% |
| Maryland | $1,202 | -$254 | -17.4% |
| Massachusetts | $1,164 | -$292 | -20.1% |
| Michigan | $2,528 | $1,072 | 73.6% |
| Minnesota | $1,218 | -$238 | -16.3% |
| Mississippi | $1,744 | $288 | 19.8% |
| Missouri | $1,292 | -$164 | -11.3% |
| Montana | $1,564 | $108 | 7.4% |
| Nebraska | $1,148 | -$308 | -21.2% |
| Nevada | $1,746 | $290 | 19.9% |
| New Hampshire | $1,050 | -$406 | -27.9% |
| New Jersey | $1,628 | $172 | 11.8% |
| New Mexico | $1,286 | -$170 | -11.7% |
| New York | $1,534 | $78 | 5.4% |
| North Carolina | $838 | -$618 | -42.4% |
| North Dakota | $1,194 | -$262 | -18.0% |
| Ohio | $1,004 | -$452 | -31.0% |
| Oklahoma | $1,492 | $36 | 2.5% |
| Oregon | $1,334 | -$122 | -8.4% |
| Pennsylvania | $1,386 | -$70 | -4.8% |
| Rhode Island | $1,942 | $486 | 33.4% |
| South Carolina | $1,318 | -$138 | -9.5% |
| South Dakota | $1,228 | -$228 | -15.7% |
| Tennessee | $1,274 | -$182 | -12.5% |
| Texas | $1,754 | $298 | 20.5% |
| Utah | $1,076 | -$380 | -26.1% |
| Vermont | $996 | -$460 | -31.6% |
| Virginia | $872 | -$584 | -40.1% |
| Washington | $1,124 | -$332 | -22.8% |
| West Virginia | $1,334 | -$122 | -8.4% |
| Wisconsin | $1,008 | -$448 | -30.8% |
| Wyoming | $1,298 | -$158 | -10.9% |
Choosing high deductibles could cut rates by as much as $520 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $450 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Ram Quad Cab ST 2WD | $1,306 | $109 |
| Dodge Ram Crew Cab ST 2WD | $1,354 | $113 |
| Dodge Ram Quad Cab SLT 2WD | $1,354 | $113 |
| Dodge Ram Quad Cab TRX4 Off Road 2WD | $1,354 | $113 |
| Dodge Ram Quad Cab ST 4WD | $1,380 | $115 |
| Dodge Ram Crew Cab SLT 2WD | $1,392 | $116 |
| Dodge Ram Crew Cab TRX 2WD | $1,392 | $116 |
| Dodge Ram Crew Cab ST 4WD | $1,420 | $118 |
| Dodge Ram Quad Cab SLT 4WD | $1,420 | $118 |
| Dodge Ram Crew Cab Sport 2WD | $1,456 | $121 |
| Dodge Ram Crew Cab SLT 4WD | $1,484 | $124 |
| Dodge Ram Crew Cab TRX 4WD | $1,484 | $124 |
| Dodge Ram Quad Cab Sport 2WD | $1,456 | $121 |
| Dodge Ram Quad Cab TRX4 Off Road 4WD | $1,484 | $124 |
| Dodge Ram Crew Cab Laramie 2WD | $1,496 | $125 |
| Dodge Ram Crew Cab Sport 4WD | $1,522 | $127 |
| Dodge Ram Quad Cab Laramie 2WD | $1,496 | $125 |
| Dodge Ram Quad Cab Sport 4WD | $1,522 | $127 |
| Dodge Ram Crew Cab Laramie 4WD | $1,558 | $130 |
| Dodge Ram Quad Cab Laramie 4WD | $1,558 | $130 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Dodge Ram | $332 | $536 | $450 | $1,498 |
| 2023 Dodge Ram | $320 | $524 | $470 | $1,494 |
| 2022 Dodge Ram | $310 | $502 | $486 | $1,478 |
| 2021 Dodge Ram | $292 | $484 | $500 | $1,456 |
| 2018 Dodge Ram | $258 | $380 | $520 | $1,338 |
Rates are averaged for all Dodge Ram models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Dodge Ram Insurance
Finding cheaper rates on Dodge Ram insurance requires being a low-risk driver, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around at every policy renewal by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.
The items below are a condensed summary of the data illustrated above.
- Drivers who require more liability coverage will pay about $550 per year to increase from a 30/60 limit to the 250/500 level
- You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $525 each year
- Teen drivers are expensive to insure, with premiums being up to $462 each month if full coverage is purchased
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,544 |
| 20 | $3,344 |
| 30 | $1,508 |
| 40 | $1,456 |
| 50 | $1,332 |
| 60 | $1,306 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,796 |
| $250 | $1,640 |
| $500 | $1,456 |
| $1,000 | $1,280 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,456 |
| 50/100 | $1,658 |
| 100/300 | $1,783 |
| 250/500 | $2,108 |
| 100 CSL | $1,708 |
| 300 CSL | $1,983 |
| 500 CSL | $2,183 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,884 |
| 20 | $5,328 |
| 30 | $3,202 |
| 40 | $3,142 |
| 50 | $3,000 |
| 60 | $2,974 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $77 |
| Homeowner | $23 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $62 |
| Advance Quote | $70 |
| Online Quote | $102 |
| Total Discounts | $606 |
Discounts are estimated and may not be available from every company or in every state.
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