Dodge Ram Insurance Rates

Average insurance rates for a Dodge Ram are $1,456 a year including full coverage. Comprehensive insurance costs on average $292 a year, collision costs $484, and liability costs $500. A policy with just liability insurance costs as little as $560 a year, with coverage for high-risk drivers costing $3,142 or more. Teenage drivers receive the highest rates at $5,544 a year or more.

Average premium for full coverage: $1,456

Rate estimates by individual coverage type:

Price estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Ram trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These examples highlight why it is important to compare rates based on a specific location and risk profile, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Dodge Ram insurance rates for different risk profiles and scenarios.

• The best discount rate is $850
• Drivers who choose higher $1,000 deductibles will pay around $1,280 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,456
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $340 annually
• Drivers who are prone to accidents and violations could pay upwards of $3,142 or more
• The cost for full coverage for a 16-year-old driver may cost $5,544 a year

View Chart as Image

Insurance rates for a Dodge Ram can also vary considerably based on your driver profile, the model of your Ram, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $5,500 a year. View Rates by Age

Where you live makes a big difference in Dodge Ram insurance prices. A 40-year-old driver could pay as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,080 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $520 annually, while buying higher liability limits will cost you more. Changing 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 are likely paying at a minimum $1,700 to $2,400 additional per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every company uses a different method to calculate rates, and rates can be significantly different from one company to the next.

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 Cheaper Dodge Ram Insurance

Saving money on insurance for a Dodge Ram not only requires having a good driving record, but also having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates once a year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The next list is a condensed summary of the data that was covered above.

• You may be able to save as much as $170 per year simply by quoting early and online
• Insureds who require increased levels of liability coverage will pay an extra $550 per year to go from a minimum limit to 250/500 limits
• Drivers age 20 and younger pay higher rates, as much as $462 per month including comprehensive and collision insurance
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,690 more each year to buy Dodge Ram insurance