Dodge Ram Insurance Rates
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UPDATED: Jun 8, 2024
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Average insurance rates for a Dodge Ram are $1,494 a year for full coverage insurance. Comprehensive costs on average $320, collision insurance costs $524, and liability coverage costs $470. Buying just liability costs as little as $536 a year, and insurance for high-risk drivers costs around $3,218. Teens receive the highest rates at up to $5,598 a year.
Average premium for full coverage: $1,494
Rate estimates by individual coverage type:
Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for all Ram models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as low as $536 for the bare minimum liability coverage to the much higher price of $3,218 for a driver who has had serious violations or accidents.
Price Range by Location
Your location has a large influence on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than cities with more traffic congestion. The example below illustrates the difference location can make on car insurance rates.
These examples illustrate why everyone should compare rates based on a specific location and risk profile, rather than using averaged prices.
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 different risk profiles and scenarios.
- The cheapest rate after discounts is $870
- Drivers who choose higher $1,000 deductibles will pay around $192 each year
- The average rate for a 40-year-old driver with $500 deductibles is $1,494
- Selecting pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,864
- High-risk insureds with serious driving violations could pay upwards of $3,218
- The cost for full coverage for a teenage driver for full coverage may cost $5,598 a year
Auto insurance rates for a Dodge Ram can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.
A more mature driver with a good driving record and high deductibles may only pay around $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $5,500 a year. View Rates by Age
Where you live makes a big difference in Dodge Ram insurance rates. A 40-year-old driver could pay as low as $980 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,020 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,350 | -$144 | -9.6% |
| Alaska | $1,146 | -$348 | -23.3% |
| Arizona | $1,240 | -$254 | -17.0% |
| Arkansas | $1,494 | -$0 | 0.0% |
| California | $1,702 | $208 | 13.9% |
| Colorado | $1,426 | -$68 | -4.6% |
| Connecticut | $1,536 | $42 | 2.8% |
| Delaware | $1,690 | $196 | 13.1% |
| Florida | $1,868 | $374 | 25.0% |
| Georgia | $1,380 | -$114 | -7.6% |
| Hawaii | $1,072 | -$422 | -28.2% |
| Idaho | $1,012 | -$482 | -32.3% |
| Illinois | $1,110 | -$384 | -25.7% |
| Indiana | $1,126 | -$368 | -24.6% |
| Iowa | $1,008 | -$486 | -32.5% |
| Kansas | $1,418 | -$76 | -5.1% |
| Kentucky | $2,038 | $544 | 36.4% |
| Louisiana | $2,212 | $718 | 48.1% |
| Maine | $922 | -$572 | -38.3% |
| Maryland | $1,232 | -$262 | -17.5% |
| Massachusetts | $1,192 | -$302 | -20.2% |
| Michigan | $2,592 | $1,098 | 73.5% |
| Minnesota | $1,250 | -$244 | -16.3% |
| Mississippi | $1,792 | $298 | 19.9% |
| Missouri | $1,324 | -$170 | -11.4% |
| Montana | $1,604 | $110 | 7.4% |
| Nebraska | $1,176 | -$318 | -21.3% |
| Nevada | $1,792 | $298 | 19.9% |
| New Hampshire | $1,076 | -$418 | -28.0% |
| New Jersey | $1,670 | $176 | 11.8% |
| New Mexico | $1,322 | -$172 | -11.5% |
| New York | $1,576 | $82 | 5.5% |
| North Carolina | $860 | -$634 | -42.4% |
| North Dakota | $1,222 | -$272 | -18.2% |
| Ohio | $1,032 | -$462 | -30.9% |
| Oklahoma | $1,532 | $38 | 2.5% |
| Oregon | $1,368 | -$126 | -8.4% |
| Pennsylvania | $1,424 | -$70 | -4.7% |
| Rhode Island | $1,994 | $500 | 33.5% |
| South Carolina | $1,354 | -$140 | -9.4% |
| South Dakota | $1,260 | -$234 | -15.7% |
| Tennessee | $1,306 | -$188 | -12.6% |
| Texas | $1,798 | $304 | 20.3% |
| Utah | $1,106 | -$388 | -26.0% |
| Vermont | $1,024 | -$470 | -31.5% |
| Virginia | $894 | -$600 | -40.2% |
| Washington | $1,152 | -$342 | -22.9% |
| West Virginia | $1,370 | -$124 | -8.3% |
| Wisconsin | $1,034 | -$460 | -30.8% |
| Wyoming | $1,330 | -$164 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles could save up to $570 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $423 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,800 to $2,400 in extra premium per year, depending on your age. Dodge Ram insurance for high-risk drivers can cost around 43% to 135% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Ram Quad Cab ST 2WD | $1,330 | $111 |
| Dodge Ram Crew Cab ST 2WD | $1,382 | $115 |
| Dodge Ram Quad Cab SLT 2WD | $1,382 | $115 |
| Dodge Ram Quad Cab TRX4 Off Road 2WD | $1,382 | $115 |
| Dodge Ram Quad Cab ST 4WD | $1,412 | $118 |
| Dodge Ram Crew Cab SLT 2WD | $1,424 | $119 |
| Dodge Ram Crew Cab TRX 2WD | $1,424 | $119 |
| Dodge Ram Crew Cab ST 4WD | $1,452 | $121 |
| Dodge Ram Quad Cab SLT 4WD | $1,452 | $121 |
| Dodge Ram Crew Cab Sport 2WD | $1,494 | $125 |
| Dodge Ram Crew Cab SLT 4WD | $1,522 | $127 |
| Dodge Ram Crew Cab TRX 4WD | $1,522 | $127 |
| Dodge Ram Quad Cab Sport 2WD | $1,494 | $125 |
| Dodge Ram Quad Cab TRX4 Off Road 4WD | $1,522 | $127 |
| Dodge Ram Crew Cab Laramie 2WD | $1,534 | $128 |
| Dodge Ram Crew Cab Sport 4WD | $1,564 | $130 |
| Dodge Ram Quad Cab Laramie 2WD | $1,534 | $128 |
| Dodge Ram Quad Cab Sport 4WD | $1,564 | $130 |
| Dodge Ram Crew Cab Laramie 4WD | $1,604 | $134 |
| Dodge Ram Quad Cab Laramie 4WD | $1,604 | $134 |
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 | $362 | $562 | $420 | $1,524 |
| 2023 Dodge Ram | $346 | $542 | $440 | $1,508 |
| 2022 Dodge Ram | $332 | $536 | $450 | $1,498 |
| 2021 Dodge Ram | $320 | $524 | $470 | $1,494 |
| 2018 Dodge Ram | $282 | $450 | $510 | $1,422 |
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 the Best Cheap Dodge Ram Insurance
Saving money on auto insurance not only requires avoiding accidents and violations, but also having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.
The list below is a quick review of the ideas that were touched on in this article.
- Teenagers are charged the highest rates, costing up to $467 per month if they have full coverage
- Drivers with a DUI or reckless driving violation pay an average of $1,720 more each year for car insurance
- Increasing deductibles can save around $550 each year
- It is possible to save as much as $180 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,598 |
| 20 | $3,424 |
| 30 | $1,552 |
| 40 | $1,494 |
| 50 | $1,364 |
| 60 | $1,338 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,864 |
| $250 | $1,694 |
| $500 | $1,494 |
| $1,000 | $1,302 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,494 |
| 50/100 | $1,698 |
| 100/300 | $1,816 |
| 250/500 | $2,121 |
| 100 CSL | $1,745 |
| 300 CSL | $2,004 |
| 500 CSL | $2,192 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,972 |
| 20 | $5,442 |
| 30 | $3,280 |
| 40 | $3,218 |
| 50 | $3,070 |
| 60 | $3,040 |
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 | $79 |
| Multi-vehicle | $77 |
| Homeowner | $23 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $96 |
| Paid in Full/EFT | $66 |
| Advance Quote | $72 |
| Online Quote | $105 |
| Total Discounts | $624 |
Discounts are estimated and may not be available from every company or in every state.
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