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 with full coverage. Comprehensive insurance costs approximately $292, collision insurance costs $484, and liability coverage costs around $500. A policy with just liability insurance costs as low as $560 a year, and coverage 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 by individual coverage type:

Comprehensive $292
Collision $484
Liability $500

Prices are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for all Ram models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from as low as $560 for your basic liability-only policy to the much higher price of $3,142 for a high-risk driver policy.

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

Price Range by Location

Where you live has a large influence on the price of insurance. Rural locations tend to have a lower frequency of collision claims than larger metro areas. The example below illustrates how rural and urban location affects auto insurance prices.

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

These examples demonstrate why everyone should compare prices using their specific location 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.

More Rate Information

The chart below details average Dodge Ram insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $850
  • Using higher $1,000 deductibles will save $176 annually
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,456
  • Choosing pricier low deductibles for physical damage coverage will cost an extra $340 each year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,142
  • The cost for full coverage for a teenage driver for full coverage can cost $5,544 or more

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

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

A more mature driver with no violations or accidents and high deductibles may only pay around $1,400 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $5,500 a year. View Rates by Age

Where you live 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 as much as $1,970 on average in New York, Michigan, and Florida.

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 could cut rates by as much as $520 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $450 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,400 additional per year, depending on your age. Dodge Ram insurance for high-risk drivers can be 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 Affordable Dodge Ram Insurance

Saving money on auto insurance requires being a safe and courteous driver, having a good credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around every time your policy renews by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

Below is a brief review of the information raised in the charts and tables above.

  • You may be able to save around $170 per year just by quoting online well ahead of the renewal date
  • Teenage drivers are the costliest to insure, with premiums as much as $462 per month including comprehensive and collision insurance
  • Increasing deductibles can save around $525 each year
  • Drivers with DUI or reckless driving convictions pay on average $1,690 more per year for auto insurance
  • Consumers who purchase higher levels of liability will pay about $550 every year to increase from a minimum limit to 250/500 limits

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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