Dodge Ram Insurance Rates

Estimated insurance rates for a Dodge Ram are $1,456 a year for full coverage. Comprehensive insurance costs around $292, collision insurance costs $484, and liability is estimated at $500. Liability-only coverage costs approximately $560 a year, and high-risk coverage costs $3,142 or more. Teens pay the most at up to $5,544 a year.

Average premium for full coverage: $1,456

Premium estimates for type of coverage:

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and for all Ram models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences show why everyone should get quotes for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below shows average Dodge Ram insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $850
• Choosing higher $1,000 deductibles can save about $176 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,456
• Selecting pricier low deductibles for comp and collision coverage will cost an extra $340 annually
• Higher-risk drivers with serious driving violations could pay at least $3,142
• An auto insurance policy for full coverage for a 16-year-old driver for full coverage can be $5,544 each year

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Insurance prices for a Dodge Ram also have a wide range based on your driving characteristics, the trim level of your Ram, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $5,500 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Dodge Ram insurance prices. A good driver about age 40 could pay as low as $960 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,080 on average in Michigan, Louisiana, and New York.

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Choosing higher comprehensive and collision insurance deductibles can save as much as $520 annually, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $450 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,700 to $2,400 extra annually, depending on your age. Dodge Ram insurance for high-risk drivers ranges from 43% to 130% more than the average 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 Cheaper Dodge Ram Insurance

Finding better rates on insurance for a Dodge Ram takes being a low-risk driver, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates every time your policy renews by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The items below are a condensed summary of the information covered above.

• Drivers can save up to $170 per year just by quoting online well ahead of the renewal date
• Teen drivers pay higher prices, as much as $462 per month for full coverage
• Increasing policy deductibles can save around $525 each year
• Drivers considered higher risk with multiple at-fault accidents may be required to pay an average of $1,690 more every year to insure their Ram
• Insureds who may need more liability coverage will pay approximately $550 each year to raise limits from 30/60 bodily injury limits to 250/500 limits