Dodge Ram Insurance Rates
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UPDATED: Jun 8, 2024
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The average insurance prices for a Dodge Ram are $1,478 every 12 months for full coverage insurance. Comprehensive costs an estimated $310, collision insurance costs $502, and liability insurance costs around $486. Liability-only insurance costs as low as $548 a year, and high-risk driver insurance costs around $3,180. Teen drivers cost the most to insure at up to $5,568 a year.
Average premium for full coverage: $1,478
Policy rates broken down by type of insurance:
Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different Ram trim levels.
Price Range Variability
For the average 40-year-old driver, Dodge Ram insurance rates range from the cheapest price of $548 for the bare minimum liability coverage to a much higher rate of $3,180 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates the difference location can make on insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, 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.
Additional Rate Information
The chart below illustrates average Dodge Ram insurance rates for other coverage scenarios.
- The lowest rate with discounts is $862
- Using higher $1,000 deductibles will save approximately $184 each year
- The average price for a good driver age 40 who has $500 deductibles is $1,478
- Choosing more expensive low deductibles for physical damage coverage increases the price to $1,832
- Drivers with multiple violations and an at-fault accident could pay up to $3,180
- Policy cost to insure a teen driver with full coverage can cost as much as $5,568 or more
Auto insurance rates for a Dodge Ram also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.
Choosing high deductibles could cut rates by as much as $540 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $438 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $5,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,700 to $2,400 in extra premium every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 129% more than average. View High Risk Driver Rates
Your home state has a huge impact on Dodge Ram insurance rates. A driver around age 40 might see rates as low as $970 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,990 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,334 | -$144 | -9.7% |
| Alaska | $1,132 | -$346 | -23.4% |
| Arizona | $1,224 | -$254 | -17.2% |
| Arkansas | $1,478 | -$0 | 0.0% |
| California | $1,680 | $202 | 13.7% |
| Colorado | $1,410 | -$68 | -4.6% |
| Connecticut | $1,516 | $38 | 2.6% |
| Delaware | $1,670 | $192 | 13.0% |
| Florida | $1,846 | $368 | 24.9% |
| Georgia | $1,364 | -$114 | -7.7% |
| Hawaii | $1,058 | -$420 | -28.4% |
| Idaho | $1,000 | -$478 | -32.3% |
| Illinois | $1,098 | -$380 | -25.7% |
| Indiana | $1,114 | -$364 | -24.6% |
| Iowa | $994 | -$484 | -32.7% |
| Kansas | $1,400 | -$78 | -5.3% |
| Kentucky | $2,012 | $534 | 36.1% |
| Louisiana | $2,184 | $706 | 47.8% |
| Maine | $912 | -$566 | -38.3% |
| Maryland | $1,218 | -$260 | -17.6% |
| Massachusetts | $1,178 | -$300 | -20.3% |
| Michigan | $2,562 | $1,084 | 73.3% |
| Minnesota | $1,234 | -$244 | -16.5% |
| Mississippi | $1,768 | $290 | 19.6% |
| Missouri | $1,308 | -$170 | -11.5% |
| Montana | $1,586 | $108 | 7.3% |
| Nebraska | $1,164 | -$314 | -21.2% |
| Nevada | $1,770 | $292 | 19.8% |
| New Hampshire | $1,064 | -$414 | -28.0% |
| New Jersey | $1,650 | $172 | 11.6% |
| New Mexico | $1,306 | -$172 | -11.6% |
| New York | $1,554 | $76 | 5.1% |
| North Carolina | $850 | -$628 | -42.5% |
| North Dakota | $1,210 | -$268 | -18.1% |
| Ohio | $1,018 | -$460 | -31.1% |
| Oklahoma | $1,514 | $36 | 2.4% |
| Oregon | $1,352 | -$126 | -8.5% |
| Pennsylvania | $1,404 | -$74 | -5.0% |
| Rhode Island | $1,968 | $490 | 33.2% |
| South Carolina | $1,338 | -$140 | -9.5% |
| South Dakota | $1,246 | -$232 | -15.7% |
| Tennessee | $1,290 | -$188 | -12.7% |
| Texas | $1,776 | $298 | 20.2% |
| Utah | $1,090 | -$388 | -26.3% |
| Vermont | $1,010 | -$468 | -31.7% |
| Virginia | $882 | -$596 | -40.3% |
| Washington | $1,138 | -$340 | -23.0% |
| West Virginia | $1,352 | -$126 | -8.5% |
| Wisconsin | $1,022 | -$456 | -30.9% |
| Wyoming | $1,314 | -$164 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Ram Quad Cab ST 2WD | $1,318 | $110 |
| Dodge Ram Crew Cab ST 2WD | $1,370 | $114 |
| Dodge Ram Quad Cab SLT 2WD | $1,370 | $114 |
| Dodge Ram Quad Cab TRX4 Off Road 2WD | $1,370 | $114 |
| Dodge Ram Quad Cab ST 4WD | $1,398 | $117 |
| Dodge Ram Crew Cab SLT 2WD | $1,410 | $118 |
| Dodge Ram Crew Cab TRX 2WD | $1,410 | $118 |
| Dodge Ram Crew Cab ST 4WD | $1,438 | $120 |
| Dodge Ram Quad Cab SLT 4WD | $1,438 | $120 |
| Dodge Ram Crew Cab Sport 2WD | $1,478 | $123 |
| Dodge Ram Crew Cab SLT 4WD | $1,506 | $126 |
| Dodge Ram Crew Cab TRX 4WD | $1,506 | $126 |
| Dodge Ram Quad Cab Sport 2WD | $1,478 | $123 |
| Dodge Ram Quad Cab TRX4 Off Road 4WD | $1,506 | $126 |
| Dodge Ram Crew Cab Laramie 2WD | $1,516 | $126 |
| Dodge Ram Crew Cab Sport 4WD | $1,544 | $129 |
| Dodge Ram Quad Cab Laramie 2WD | $1,516 | $126 |
| Dodge Ram Quad Cab Sport 4WD | $1,544 | $129 |
| Dodge Ram Crew Cab Laramie 4WD | $1,584 | $132 |
| Dodge Ram Quad Cab Laramie 4WD | $1,584 | $132 |
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 | $346 | $542 | $440 | $1,508 |
| 2023 Dodge Ram | $332 | $536 | $450 | $1,498 |
| 2022 Dodge Ram | $320 | $524 | $470 | $1,494 |
| 2021 Dodge Ram | $310 | $502 | $486 | $1,478 |
| 2018 Dodge Ram | $270 | $424 | $514 | $1,388 |
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 Shop for the Best Dodge Ram Insurance
Finding cheaper rates on Dodge Ram insurance requires avoiding accidents and claims, having a good credit score, being claim-free, and consideration of higher deductibles. Make time to compare rates every year by requesting quotes from direct insurance companies, and also from insurance agencies where you live.
The points below are a brief recap of the coverage data touched on in this article.
- It is possible to save approximately $180 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $550 each year
- Drivers under the age of 20 are the costliest to insure, possibly costing $464 each month if comprehensive and collision insurance is included
- High-risk drivers who tend to receive serious violations could be forced to pay on average $1,700 more annually to insure a Dodge Ram
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,568 |
| 20 | $3,380 |
| 30 | $1,530 |
| 40 | $1,478 |
| 50 | $1,350 |
| 60 | $1,322 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,832 |
| $250 | $1,668 |
| $500 | $1,478 |
| $1,000 | $1,294 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,478 |
| 50/100 | $1,681 |
| 100/300 | $1,803 |
| 250/500 | $2,119 |
| 100 CSL | $1,730 |
| 300 CSL | $1,997 |
| 500 CSL | $2,192 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,922 |
| 20 | $5,380 |
| 30 | $3,240 |
| 40 | $3,180 |
| 50 | $3,032 |
| 60 | $3,006 |
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 | $78 |
| Multi-vehicle | $77 |
| Homeowner | $23 |
| 5-yr Accident Free | $104 |
| 5-yr Claim Free | $95 |
| Paid in Full/EFT | $64 |
| Advance Quote | $71 |
| Online Quote | $104 |
| Total Discounts | $616 |
Discounts are estimated and may not be available from every company or in every state.
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