Dodge Ram Insurance Rates

Estimated insurance rates for a Dodge Ram are $1,478 a year including full coverage. Comprehensive insurance costs approximately $310, collision insurance costs $502, and liability costs around $486. Liability-only insurance costs as low as $548 a year, and high-risk driver insurance costs $3,180 or more. Teenage drivers pay the most at up to $5,568 a year.

Average premium for full coverage: $1,478

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Ram models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates how where you live affects auto insurance prices.

These rate differences highlight why everyone should compare prices using their specific location and risk profile, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $862
• Using higher $1,000 deductibles will save $184 every year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,478
• Using pricier low deductibles for physical damage coverage will cost an extra $354 every year
• Drivers who are prone to accidents and violations could pay around $3,180
• An auto insurance policy for full coverage for a teen driver for full coverage can cost $5,568 or more

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Insurance prices for a Dodge Ram also have a wide range based on your driving characteristics, the model of your Ram, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $5,500 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see prices as low as $1,130 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,100 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $540 every year, whereas buying more liability protection will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $438 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,400 additional annually, depending on your age. Dodge Ram insurance for high-risk drivers can be as much as 43% to 129% more than a normal policy. 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.

How to Find Cheap Dodge Ram Insurance

Finding better rates on car insurance requires avoiding accidents and claims, having a good credit history, refrain from filing small claims, and consideration of higher deductibles. Take the time to comparison shop at every other renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a brief summary of the concepts that were touched on in the above illustrations.

• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,700 more per year to insure a Dodge Ram
• Drivers under the age of 20 are the costliest to insure, with the cost nearing $464 per month including comprehensive and collision insurance
• You may be able to save around $180 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $550 each year
• You may be able to save around $180 per year just by quoting online well ahead of the renewal date