Dodge Ram Insurance Rates

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UPDATED: Jun 8, 2024

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Average insurance rates for a Dodge Ram are $1,456 a year for full coverage insurance. Comprehensive insurance costs an estimated $292, collision insurance costs $484, and liability coverage is $500. Buying just liability costs around $560 a year, and insurance for high-risk drivers costs $3,142 or more. Teen drivers receive the highest rates at up to $5,544 a year.

Average premium for full coverage: $1,456

Rate estimates broken down by individual coverage type:

Comprehensive $292
Collision $484
Liability $500

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for different Ram trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as low as $560 for the bare minimum liability coverage to a much higher rate of $3,142 for a driver who has had serious violations or accidents.

Liability Only $560
Full Coverage $1,456
High Risk $3,142

Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than larger metro areas. The price range example below illustrates how location helps determine insurance prices.

Rural Areas $1,092
Small Cities $1,529
Large Cities $1,966

These examples illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than using 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.

Additional Rate Information

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

  • The lowest rate with discounts is $850
  • Raising to $1,000 deductibles will save approximately $176 each year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,456
  • Choosing more expensive low deductibles will cost an extra $340 each year
  • Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,142
  • The cost for full coverage for a teenage driver with full coverage can cost as much as $5,544

View Chart as Image

Dodge Ram insurance cost comparison chart
Column chart showing Dodge Ram insurance prices range from $850 to $5,544 for full coverage

Auto insurance rates for a Dodge Ram can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $5,500 a year. View Rates by Age

Where you live also has a big influence on Dodge Ram insurance rates. A middle-age driver might find rates as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,970 on average in Florida, New York, and Michigan.

Dodge Ram Insurance Rates by State
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%

View Chart as Image

Dodge Ram insurance rates by U.S. city

Choosing high deductibles can reduce rates by up to $520 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $450 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,700 to $2,400 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 130% more than average. View High Risk Driver Rates

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.

Dodge Ram Insurance Rates by Model Year
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 More Affordable Dodge Ram Insurance

Saving money on auto insurance consists of being safe and accident-free, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates every other policy renewal by requesting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

Below you'll find a summary of the ideas that were covered in the charts and tables above.

  • Youthful drivers are the costliest to insure, costing up to $462 per month if they have full coverage
  • Drivers who have multiple accidents or major violations pay on average $1,690 more annually than a low-risk driver
  • Increasing deductibles can save around $525 each year
  • It is possible to save approximately $170 per year just by shopping early and online

Rates by Driver Age

Dodge Ram Insurance 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

Dodge Ram Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,796
$250 $1,640
$500 $1,456
$1,000 $1,280

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
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

Dodge Ram Insurance 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.

SR-22 Surcharge $200

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
Rate after discounts $850

Discounts are estimated and may not be available from every company or in every state.

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