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Dodge Ram Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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If you are reading this article, you probably want to learn how to save on insurance. How much is insurance for a Dodge Ram 1500? The average Dodge Ram insurance rates are $125 per month or $1,508 annually. However, many different factors will impact your insurance costs.

Fortunately, we designed our guide to walk you how and why car insurance rates are calculated. We’ve gathered real rates for multiple Dodge Ram model years, even as far back as the 2006 Dodge Ram 1500 insurance rates.

We will explain what insurers base their rates on, how theft risks and maintenance costs impact your Dodge Ram car insurance quotes, and what you should do to secure cheap car insurance for your Ram truck. So if you want to learn more about why truck car insurance is more expensive, what rates you should be paying, and how to save money on your Dodge Ram, this guide is for you.

Before you buy Dodge Ram auto insurance, make sure you compare rates from multiple insurance companies. If you want to jump right into comparing Dodge Ram 1500 car insurance quotes, simply enter your ZIP code into our free tool above.

The average insurance rates for a Dodge Ram are $1,508 a year with full coverage. Comprehensive costs approximately $346 each year, collision costs $542, and liability is $440. A liability-only policy costs around $510 a year, with high-risk insurance costing around $3,232. 16-year-old drivers cost the most to insure at $5,564 a year or more.

Average premium for full coverage: $1,508

Policy rates by type of insurance:

Comprehensive $346
Collision $542
Liability $440

Prices are based on $500 deductibles, 30/60 split liability limits, and includes uninsured motorist coverage. Prices are averaged for all U.S. states and Ram models.

Price Range Variability

For a driver around age 40, Dodge Ram insurance rates go from as low as $510 for only liability insurance to a high rate of $3,232 for a high-risk insurance policy.

Liability Only $510
Full Coverage $1,508
High Risk $3,232

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $1,131
Small Cities $1,583
Large Cities $2,036

The examples above demonstrate why all drivers should compare rates quotes using their specific location and risk profile, instead of making a decision based on rate 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.

Insurance Rate Analysis

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

  • The best full coverage rate is $881
  • Raising to $1,000 deductibles will save $204 annually
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,508
  • Buying low deductibles will increase the cost to $1,894
  • Drivers with multiple tickets or accidents could pay around $3,232 or more
  • Policy cost for full coverage for a 16-year-old driver can cost $5,564

View Chart as Image

Dodge Ram insurance cost comparison chart
Column chart showing full coverage Dodge Ram insurance rates range from $881 to $5,564

Car insurance rates for a Dodge Ram also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $5,500 a year. View Rates by Age

Your home state also has a big influence on Dodge Ram insurance prices. A middle-age driver might find rates as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or at least $2,030 on average in New York, Michigan, and Florida.

Dodge Ram Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,360 -$148 -9.8%
Alaska $1,156 -$352 -23.3%
Arizona $1,250 -$258 -17.1%
Arkansas $1,508 -$0 0.0%
California $1,716 $208 13.8%
Colorado $1,436 -$72 -4.8%
Connecticut $1,548 $40 2.7%
Delaware $1,706 $198 13.1%
Florida $1,884 $376 24.9%
Georgia $1,392 -$116 -7.7%
Hawaii $1,080 -$428 -28.4%
Idaho $1,020 -$488 -32.4%
Illinois $1,122 -$386 -25.6%
Indiana $1,136 -$372 -24.7%
Iowa $1,018 -$490 -32.5%
Kansas $1,430 -$78 -5.2%
Kentucky $2,054 $546 36.2%
Louisiana $2,232 $724 48.0%
Maine $932 -$576 -38.2%
Maryland $1,244 -$264 -17.5%
Massachusetts $1,202 -$306 -20.3%
Michigan $2,616 $1,108 73.5%
Minnesota $1,260 -$248 -16.4%
Mississippi $1,806 $298 19.8%
Missouri $1,336 -$172 -11.4%
Montana $1,620 $112 7.4%
Nebraska $1,188 -$320 -21.2%
Nevada $1,806 $298 19.8%
New Hampshire $1,088 -$420 -27.9%
New Jersey $1,684 $176 11.7%
New Mexico $1,334 -$174 -11.5%
New York $1,588 $80 5.3%
North Carolina $870 -$638 -42.3%
North Dakota $1,234 -$274 -18.2%
Ohio $1,040 -$468 -31.0%
Oklahoma $1,546 $38 2.5%
Oregon $1,380 -$128 -8.5%
Pennsylvania $1,436 -$72 -4.8%
Rhode Island $2,012 $504 33.4%
South Carolina $1,366 -$142 -9.4%
South Dakota $1,272 -$236 -15.6%
Tennessee $1,318 -$190 -12.6%
Texas $1,814 $306 20.3%
Utah $1,114 -$394 -26.1%
Vermont $1,032 -$476 -31.6%
Virginia $902 -$606 -40.2%
Washington $1,162 -$346 -22.9%
West Virginia $1,382 -$126 -8.4%
Wisconsin $1,042 -$466 -30.9%
Wyoming $1,342 -$166 -11.0%

View Chart as Image

Dodge Ram insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $590 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $396 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,800 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 134% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2020 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
2020 Dodge Ram $346 $542 $440 $1,508
2019 Dodge Ram $332 $536 $450 $1,498
2018 Dodge Ram $320 $524 $470 $1,494
2017 Dodge Ram $310 $502 $486 $1,478
2016 Dodge Ram $292 $484 $500 $1,456
2015 Dodge Ram $282 $450 $510 $1,422
2014 Dodge Ram $270 $424 $514 $1,388
2013 Dodge Ram $258 $380 $520 $1,338
2012 Dodge Ram $242 $350 $520 $1,292
2011 Dodge Ram $234 $328 $524 $1,266
2010 Dodge Ram $228 $306 $534 $1,248
2009 Dodge Ram $210 $284 $534 $1,208
2008 Dodge Ram $206 $258 $540 $1,184
2007 Dodge Ram $192 $236 $534 $1,142
2006 Dodge Ram $180 $214 $534 $1,108
2005 Dodge Ram $174 $192 $530 $1,076
2004 Dodge Ram $172 $188 $520 $1,060
2003 Dodge Ram $168 $178 $510 $1,036
2002 Dodge Ram $154 $170 $504 $1,008
2001 Dodge Ram $150 $162 $500 $992

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

Finding cheaper rates on insurance for a Dodge Ram consists of being a safe driver, having above-average credit, not filing small claims, and avoiding coverage lapses. Set aside time to compare rates at least every other year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Here is a brief review of the car insurance concepts covered above.

  • Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,720 more per year for insurance
  • You may be able to save around $180 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save around $600 each year
  • Insureds who purchase more liability insurance will pay around $480 every year to raise from a 30/60 limit to 250/500 limits

Do you still find yourself scratching your head wondering why your truck insurance is so high? As you’ve learned from the information above, many different factors can influence your insurance rates.

For example, if you have a poor driving record, this could help explain why your rates are higher than average. A poor record can raise your rates as much as $1,740 per year. Drivers under the age of 25 also pay more for car insurance than older drivers with more experience. 

Of course, the age of your Dodge Ram as well as its trim level can also influence your car insurance rates. 

However, the best Dodge Ram 1500 car insurance company will provide you with competitive rates without compromising your coverage levels. The best way to find that company? Comparison shop. 

Seek out quotes from multiple different insurance providers for your Dodge Ram and compare the totals. Choose the one that best fits your unique needs. 

We have some good news. You can find your best Dodge Ram car insurance company by entering your ZIP code into our free quote tool below.

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How does the size and class of the Dodge Ram 1500 affect liability rates?

Liability insurance is necessary to have, as most states require drivers to carry this type of coverage. What does liability insurance cover? It will protect you from being sued, as it pays for the other driver’s property damage and medical injury bills if you caused an accident. However, it can be a bit expensive depending on what type of vehicle you own.

Generally, larger and heavier vehicles will have higher liability rates, as they are more likely to do serious damage to other vehicles in a crash. The Dodge Ram 1500 is a large pickup, which means it could cost more to insure.

You may also wonder if a V8 costs more on insurance. V8 engines may put you more at risk of crashing, as the powerful engine can lead to speeding. However, insurers will also take liability insurance losses into consideration before they raise rates.

If a car model shows a history of poor insurance losses, you can safely assume that your insurer will charge more. To find out what the Dodge Ram 1500’s insurance losses are, we took a look at the Insurance Institute for Highway Safety’s (IIHS) data on insurance losses by make and model for various variations of the Dodge Ram 100.

The first set of losses below is for bodily injury liability losses. While most of them are average, the losses for the extended cab, two-wheel-drive version of the Dodge Ram 1500 are worse than average.

  • Dodge Ram 1500 crew cab SWB 2WD: 5 percent (average)
  • Dodge Ram 1500 crew cab SWB 4WD: -1 percent (average)
  • Dodge Ram 1500 extended cab 2WD: 22 percent (worse than average)
  • Dodge Ram 1500 extended cab 4WD: 0 percent (average)
  • Dodge Ram 1500 SWB 2WD: 14 percent (average)

The next set of liability losses are for property damage. Unfortunately, the losses for all versions are either worse than average or substantially worse than average.

  • Dodge Ram 1500 crew cab SWB 2WD: 25 percent (worse than average)
  • Dodge Ram 1500 crew cab SWB 4WD: 21 percent (worse than average)
  • Dodge Ram 1500 extended cab 2WD: 43 percent (substantially worse than average)
  • Dodge Ram 1500 extended cab 4WD: 23 percent (worse than average)
  • Dodge Ram 1500 SWB 2WD: 32 percent (substantially worse than average)
  • Dodge Ram 1500 SWB 4WD: 25 percent (worse than average)

Since the Dodge Ram 1500 has poor liability losses for property damage, you may see a slightly higher rate than average on your insurance bill.

What does liability insurance cost for the Dodge Ram 1500?

Are trucks expensive to insure? To prepare you for average truck insurance costs for the Dodge Ram 1500, we got a sample quote from Geico. Our sample was based on a 40-year-old male driver who lives in Pennsylvania, owns an older 2011 Dodge Ram 1500 (conventional cab), has a clean driving record, and travels 13,000 miles a year.

So what is the average pickup truck insurance cost per month? The first set of rates below shows prices for bodily injury coverage levels for a six-month policy.

  • Low ($15,000/$30,000): $38.96
  • Medium ($100,000/$200,000): $79.86
  • High ($500,000/$500,000): $128.56

If you want to upgrade your coverage from low to high, it will cost you $90 (or $15 a month). This isn’t that high, especially because the increase in your coverage limit increases substantially.

The next set of rates is for property damage coverage levels.

  • Low ($5,000): $454.49
  • Medium ($20,000): $488.30
  • High ($100,000): $513.00

It costs $59 on average to increase your coverage from low to high. This only amounts to $10 a month. So for $25 extra a month, you could go from low to high limits on both liability coverages.

What are the Dodge Ram 1500 safety ratings and features?

Insurance providers will consider your vehicle’s safety rating and features when calculating your insurance rates. This is because safety features have multiple purposes. 

Safety features can help prevent automobile accidents, can keep you safer in an actual crash, and can even help prevent car theft. Insurers are more likely to offer a hefty discount if you have multiple safety features that fit into these categories.

The 2020 Dodge Ram 1500 comes equipped with the following features:

  • Anti-lock brakes: This technology increases the truck’s ability to turn while braking without rolling over. 
  • Stability control: This technology senses if the driver has lost control of the vehicle when turning or braking. Engine power is automatically reduced or select brakes are applied to prevent the vehicle from crashing. 
  • Frontal-impact airbags: Located in the front of the vehicle, these protect the driver and passengers’ heads during a frontal crash.
  • Side-impact airbag: Located in the front seat, these airbags protect the torso during a side-impact collision. 
  • Overhead airbags: These overhead airbags protect the occupants heads in the event of a rollover or side-collision.
  • Seatbelt pretensioners: Automatically tightens the seat belt to keep the passenger in the optimal seating position during a collision. 
  • Security system: An ignition disable service can prevent the engine from starting if the original or correct manufacturer key is not being used. 

Older models of the Dodge Ram 1500 and different trim levels come with different safety features and technology. For example, the older 2011 Dodge Ram 1500 actually does not have side-impact airbags, knee airbags, anti-whiplash headrests, or a vehicle intrusion alarm. 

Because this model of the Dodge Ram is a little light on safety features, insurers may not offer as high of a discount.

Luckily, safety features aren’t the only thing insurers take into consideration. Insurers will also want to know if your vehicle has a good rating. According to the Insurance Institute for Highway Safety (IIHS), the 2021 Dodge Ram 1500 crew cab has the following safety ratings.

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints & seats: Good

‘Good’ is the highest possible score given by the IIHS. As you can see, the 2021 Dodge Ram performed exceptionally well. In fact, the 2019 to 2021 models received the 2020 IIHS Top Safety Pick.

If you drive one of the newer Dodge Ram model years, your rates will already reflect these nearly perfect scores.  

However, older models of the Dodge Ram did not perform quite as well. In some models, the roof strength is poorly rated, but all the other tests showed great results. 

The fatalities for pickups may also affect what you pay for car insurance. The IIHS’s 2018 crash data showed that per million vehicles, there were 34 pickup driver deaths, 23 SUV driver deaths, and 48 car driver deaths. Per million vehicles for all occupants, there were 42 pickup deaths, 32 SUV deaths, and 69 car deaths.

This data tells us that pickups have better fatalities than cars, although SUVs have the best rates per million vehicles. For overall crashes, however, pickups have the lowest number of fatalities. In 2018, there were 4,369 pickup fatalities, 5,035 SUV fatalities, and 13,138 car fatalities.

The total pickup fatalities can be broken up into the following crash types.

  • Frontal Impact: 2,493 deaths
  • Side Impact: 807 deaths
  • Rear Impact: 173 deaths
  • Other (mostly rollovers): 896 deaths

Frontal impacts are the most dangerous, as they have the highest number of fatalities. Making sure your pickup has good safety ratings is one of the best ways to make sure you are safe in a crash.

What are the Dodge Ram 1500 crash test ratings

Like safety ratings, insurance providers will also consider your vehicle’s crash test results when calculating your annual car insurance rates.

If a Dodge Ram 1500 has good crash test ratings, the Dodge Ram 1500 insurance cost will be lower.

Check out the various Dodge Ram crash test results by different model year and trim levels in the table below, as performed by the National Highway Traffic Safety Administration (NHTSA)

Dodge Ram 1500 Crash Test Ratings
Vehicle TestedOverall RatingFrontal CrashSide CrashRollover
2021 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars4 stars
2021 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2021 Ram 1500 Crew PU/CC 4WD5 stars4 stars5 stars4 stars
2021 Ram 1500 Crew PU/CC 2WD5 stars4 stars5 stars4 stars
2021 Ram 1500 Classic Regular PU/RC 4WD4 stars4 stars5 stars3 stars
2021 Ram 1500 Classic Regular PU/RC 2WD4 stars4 stars5 stars4 stars
2021 Ram 1500 Classic Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2021 Ram 1500 Classic Crew PU/CC 2WD4 stars4 stars5 stars4 stars
2020 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2020 Ram 1500 Crew PU/CC 4WD5 stars4 stars5 stars4 stars
2020 Ram 1500 Crew PU/CC 2WD5 stars4 stars5 stars4 stars
2020 Ram 1500 Classic Regular PU/RC 2WD4 stars4 stars5 stars4 stars
2020 Ram 1500 Classic Quad PU/EC 4WD4 stars4 stars5 stars3 stars
2020 Ram 1500 Classic Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2020 Ram 1500 Classic Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2020 Ram 1500 Classic Crew PU/CC 2WD4 stars4 stars5 stars4 stars
2019 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars4 stars
2019 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars4 stars
2019 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2019 Ram 1500 Crew PU/CC 4WD5 stars4 stars5 stars4 stars
2019 Ram 1500 Crew PU/CC 2WD5 stars4 stars5 stars4 stars
2019 Ram 1500 Classic Regular PU/RC 4WD4 stars4 stars5 stars3 stars
2019 Ram 1500 Classic Regular PU/RC 2WD4 stars4 stars5 stars4 stars
2019 Ram 1500 Classic Quad PU/EC 4WD4 stars4 stars5 stars3 stars
2019 Ram 1500 Classic Crew PU/CC 4WDN/R4 starsN/R3 stars
2019 Ram 1500 Classic Crew PU/CC 2WDN/R4 starsN/R4 stars
2018 Ram 1500 Regular PU/RC 4WD4 stars4 stars5 stars3 stars
2018 Ram 1500 Regular PU/RC 2WD4 stars4 stars5 stars4 stars
2018 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars3 stars
2018 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars3 stars
2018 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2018 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2018 Ram 1500 Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2018 Ram 1500 Crew PU/CC 2WD4 stars4 stars5 stars4 stars
2017 Ram 1500 Regular PU/RC 4WD4 stars4 stars5 stars3 stars
2017 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2017 Ram 1500 Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2016 Ram 1500 Regular PU/RC 4WD4 stars4 stars5 stars3 stars
2016 Ram 1500 Regular PU/RC 4WD4 stars4 stars5 stars3 stars
2016 Ram 1500 Regular PU/RC 2WD4 stars4 stars5 stars4 stars
2016 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars3 stars
2016 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2016 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2016 Ram 1500 Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2016 Ram 1500 Crew PU/CC 2WD4 stars4 stars5 stars4 stars
2015 Ram 1500 Regular PU/RC 4WD4 stars4 stars5 stars3 stars
2015 Ram 1500 Regular PU/RC 2WD4 stars4 stars5 stars4 stars
2015 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars3 stars
2015 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2015 Ram 1500 Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2015 Ram 1500 Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2015 Ram 1500 Crew PU/CC 2WD4 stars4 stars5 stars4 stars
2014 Ram 1500 Regular PU/RC 4WD4 stars4 stars5 stars3 stars
2014 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars3 stars
2014 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars3 stars
2014 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2014 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2014 Ram 1500 Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2014 Ram 1500 Crew PU/CC 2WD4 stars4 stars5 stars4 stars
2013 Ram 1500 Regular PU/RC 4WD4 stars4 stars5 stars3 stars
2013 Ram 1500 Regular PU/RC 2WD4 stars4 stars5 stars4 stars
2013 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars3 stars
2013 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2013 Ram 1500 Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2013 Ram 1500 Crew PU/CC 2WD4 stars4 stars5 stars4 stars
2013 Ram 1500 Crew PU/CC 2WD4 stars4 stars5 stars4 stars
2012 Ram 1500 Regular PU/RC 4WD3 stars4 stars3 stars3 stars
2012 Ram 1500 Regular PU/RC 2WD3 stars4 stars3 stars4 stars
2012 Ram 1500 Quad PU/EC 4WD4 stars4 stars5 stars3 stars
2012 Ram 1500 Quad PU/EC 2WD4 stars4 stars5 stars4 stars
2012 Ram 1500 Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2012 Ram 1500 Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2011 Ram 1500 Quad PU/CC RWD3 stars2 stars5 stars4 stars
2011 Ram 1500 Quad PU/CC 4WD3 stars2 stars5 stars3 stars
2011 Ram 1500 PU/RC RWD3 stars2 stars3 stars4 stars
2011 Ram 1500 PU/RC 4WD2 stars2 stars3 stars3 stars
2011 Ram 1500 Crew PU/CC RWD3 stars2 stars5 stars4 stars
2011 Ram 1500 Crew PU/CC 4WD3 stars2 stars5 stars3 stars
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A 5-star rating is the highest score awarded by the NHTSA. Once again, newer models of the Dodge Ram performed better than many older models.

As you can see, some older Dodge Ram 1500 models do have some 3-star ratings, which isn’t great. This will already be reflected in your insurance rates if you drive one of these model years.

Should you compare the Dodge Ram to other vehicles in the same car class?

Comparing your Dodge ram or Dodge Ram 1500 to other trucks in the same car class can help you predict how much insurance might cost you, and any losses you could potentially face. 

The Dodge Ram 1500 is classified as a large pickup truck by the Insurance Institute for Highway Safety (IIHS). Some pickup trucks are more expensive to insure than others, as evidenced by insurance loss probabilities. 

An insurance loss probability predicts the likelihood of a claim, otherwise known as an insurance loss. A high insurance loss probability means higher rates, while a low insurance loss probability means lower rates.

In the table below, you can look at the Dodge Ram insurance loss probability details by category.

Dodge Ram 1500 Insurance Loss Probability 
Insurance Coverage CategoryLoss Rate
Collision-15%
Property damage42%
Comprehensive-20%
Personal injury-21%
Medical paymentN/A
Bodily Injury27%
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While loss ratios are not available in the medical payment category, the Dodge Ram performs well in the personal injury, comprehensive, and collision categories. 

If you choose to purchase a fuller coverage policy that includes comprehensive and collision coverage, expect those costs to be competitively priced. 

However, your property damage and bodily injury liability coverage might be more expensive than average, as the loss ratio is worse than average in those categories for the Dodge Ram 1500.

Compare the Dodge Ram 1500 to other similar large pickup trucks in the same vehicle class below.

One important thing to note is that Dodge actually dropped the name from the truck line in 2009 during a rebranding phase. Now, the vehicles are called Ram trucks. 

The pickup truck can be referred to as the Dodge Ram, the Dodge Ram 1500, or the Ram 1500. The truck is also not associated in any way with the NP Dodge Insurance Company, which specialized in real estate and homeowner insurance. 

What is the MSRP of the Dodge Ram 1500?

Manufacturers suggested retail price is usually the price insurers use to calculate rates, as it is the price a manufacturer deems its product is worth. This price gives insurers an idea of how much to charge for collision and comprehensive insurance.

Since both of these coverages protect your own assets after an accident, cars with high MSRP will cost more to insure. Want to learn about collision and comprehensive car insurance? Watch the video below for an explanation of the importance of these coverages.

Lenders often force customers to carry these two coverages on their cars (this is known as force-placed insurance). However, car insurance through your lender is usually much more expensive than buying it through your own personal insurer. So make sure to discuss this with your lender before you sign the lease.

So what is the MSRP? We visited Kelley Blue Book (KKB) for prices on a 2010 Dodge Ram 1500 crew cab to find out. Unfortunately, the Dodge Ram 1500 is so old that the KBB doesn’t have the MSRP prices. However, we can still get a good idea of prices from the list below.

  • Typical Listing Price: $14,474
  • Fair Purchase Price: $13,874
  • Fair Market Range: $12,466 to $15,281

The typical listing price isn’t that expensive, which is good news for you. Not only does it mean you will pay less for your vehicle, but it also means you may have a lower insurance rate for collision and comprehensive insurance. The IIHS’s data on the Dodge ram 1599 for collision losses are also average or lower than average, which can help lower costs.

  • Dodge Ram 1500 crew cab SWB 2WD: -16 percent (average)
  • Dodge Ram 1500 crew cab SWB 4WD: -6 percent (average)
  • Dodge Ram 1500 extended cab 2WD: -13 percent (average)
  • Dodge Ram 1500 extended cab 4WD: -10 percent (average)
  • Dodge Ram 1500 LWB 2WD: -39 percent (substantially better than average)
  • Dodge Ram 1500 LWB 4WD: -39 percent (substantially better than average)
  • Dodge Ram 1500 SWB 2WD: -12 percent (average)
  • Dodge Ram 1500 SWB 4WD: -32 percent (substantially better than average)

As you can see below, the comprehensive losses are all average. This isn’t a bad thing, as it means your rate will be normal.

  • Dodge Ram 1500 crew cab SWB 2WD: 7 percent (average)
  • Dodge Ram 1500 crew cab SWB 4WD: 8 percent (average)
  • Dodge Ram 1500 extended cab 2WD: 0 percent (average)
  • Dodge Ram 1500 extended cab 4WD: 0 percent (average)
  • Dodge Ram 1500 LWB 2WD: -3 percent (average)
  • Dodge Ram 1500 SWB 2WD: 0 percent (average)
  • Dodge Ram 1500 SWB 4WD: -20 percent (average)

Because the price of the Dodge Ram 1500 is low and the losses are good, you should be able to find a reasonable rate by shopping around.

What are the theft rates of the Dodge Ram 1500?

If you have a vehicle that is a frequent target of theft, you may end up with higher comprehensive car insurance rates. Why? In addition to animal collisions, weather damage, and vandalism, comprehensive coverage will also cover you if your vehicle is stolen. So if you are wondering why did your car insurance rates increase, theft could be a factor.

Unfortunately, the Dodge Ram 1500 is grouped in with Dodge Ram full-size pickups, which is on the National Insurance Crime Bureaus’ 2018 crime list of the top stolen vehicles. 

Placing ninth out of ten for the top ten stolen vehicles, the Dodge Ram Pickup had 11,226 stolen vehicles in 2018. The 2001 model year was stolen the most, as there were 1,155 thefts.

Since the Dodge Ram is a target of frequent theft, having anti-theft technology can help lower your risk of your truck being stolen. This will also help lower your average comprehensive car insurance costs.

How much will it cost to repair my Dodge Ram 1500?

In addition to insurance costs, car payments, and gas, you need to plan for repair costs. The Dodge Ram 1500 has decent repair costs. 

According to RepairPal’s reliability rating of the Dodge Ram 1500, the average annual repair costs (including oil changes) is $670. This is less than average repair costs for full-size trucks ($936).

We also used InstantEstimator’s free tool to find out average repair costs for level two damage to a 2012 Dodge Ram 1500 crew cab.

  • Front bumper: $389
  • Rear bumper: $399
  • Hood: $411
  • Roof: $459
  • Front door: $403
  • Back door: $391
  • Fender: $363
  • Quarter panel: $411

These repair costs are fairly normal. This is good, as these prices aren’t just looked at by you. Insurers also want to know how much your car will cost to repair, as they will be paying the repair bill after an accident.

Hopefully, our guide has given you a better idea of how much it costs to insure a Dodge Ram 1500. You are now ready to find affordable Dodge Ram car insurance rates. 

If you want to start comparing car insurance costs for a Dodge Ram 1500, or even the Dodge Ram 2500 insurance costs, simply enter your ZIP code into our quote free tool to start shopping.

References:

  1. https://www.iihs.org/ratings/vehicle/ram/1500-crew-cab-pickup/2021
  2. https://www.nhtsa.gov/vehicle/2018/RAM/1500/PU%25252FCC/4WD
  3. https://www.iihs.org/ratings/insurance-losses-by-make-and-model

Rates by Driver Age

Dodge Ram Insurance Rates by Driver Age
Driver Age Premium
16 $5,564
20 $3,436
30 $1,570
40 $1,508
50 $1,374
60 $1,348

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,894
$250 $1,716
$500 $1,508
$1,000 $1,304

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,508
50/100 $1,710
100/300 $1,820
250/500 $2,106
100 CSL $1,754
300 CSL $1,996
500 CSL $2,172

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Insurance Rates for High Risk Drivers
Age Premium
16 $7,928
20 $5,454
30 $3,300
40 $3,232
50 $3,078
60 $3,050

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 $203

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $80
Multi-vehicle $77
Homeowner $22
5-yr Accident Free $107
5-yr Claim Free $96
Paid in Full/EFT $67
Advance Quote $72
Online Quote $106
Total Discounts $627
Rate after discounts $881

Discounts are estimated and may not be available from every company or in every state.

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