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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...

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UPDATED: Apr 9, 2020

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Dodge Ram insurance

How much is insurance for a Dodge Ram 1500? If you are reading this article, you probably want to learn how to save on insurance. We designed our guide to walk you through rates for multiple model years, such as 2006 Dodge Ram 1500 insurance costs.

We will explain what insurers base their rates on, theft risks, car maintenance costs, what the cheapest pickup is to insure, and more. 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, this guide is for you.

If you want to jump right into comparing Dodge Ram 1500 insurance costs, enter your ZIP code to use our free tool above.

The average insurance rates for a Dodge Ram are $1,524 a year with full coverage. Comprehensive costs approximately $362 each year, collision costs $562, and liability is $420. A liability-only policy costs around $494 a year, with high-risk insurance costing around $3,264. 16-year-old drivers cost the most to insure at $5,582 a year or more.

Average premium for full coverage: $1,524

Policy rates by type of insurance:

Comprehensive $362
Collision $562
Liability $420

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 $494 for only liability insurance to a high rate of $3,264 for a high-risk insurance policy.

Liability Only $494
Full Coverage $1,524
High Risk $3,264

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 $1,143
Small Cities $1,600
Large Cities $2,057

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 $889
  • Raising to $1,000 deductibles will save $208 annually
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,524
  • Buying low deductibles will increase the cost to $1,930
  • Drivers with multiple tickets or accidents could pay around $3,264 or more
  • Policy cost for full coverage for a 16-year-old driver can cost $5,582

View Chart as Image

Dodge Ram insurance cost comparison chart
Column chart showing full coverage Dodge Ram insurance rates range from $889 to $5,582

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 $1,100 a year in states like Utah, Ohio, and New Hampshire, or at least $2,060 on average in New York, Michigan, and Florida.

Dodge Ram Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,378 -$146 -9.6%
Alaska $1,170 -$354 -23.2%
Arizona $1,268 -$256 -16.8%
Arkansas $1,524 -$0 0.0%
California $1,740 $216 14.2%
Colorado $1,456 -$68 -4.5%
Connecticut $1,566 $42 2.8%
Delaware $1,726 $202 13.3%
Florida $1,910 $386 25.3%
Georgia $1,408 -$116 -7.6%
Hawaii $1,094 -$430 -28.2%
Idaho $1,036 -$488 -32.0%
Illinois $1,136 -$388 -25.5%
Indiana $1,152 -$372 -24.4%
Iowa $1,028 -$496 -32.5%
Kansas $1,448 -$76 -5.0%
Kentucky $2,080 $556 36.5%
Louisiana $2,258 $734 48.2%
Maine $944 -$580 -38.1%
Maryland $1,260 -$264 -17.3%
Massachusetts $1,218 -$306 -20.1%
Michigan $2,648 $1,124 73.8%
Minnesota $1,278 -$246 -16.1%
Mississippi $1,828 $304 19.9%
Missouri $1,354 -$170 -11.2%
Montana $1,638 $114 7.5%
Nebraska $1,204 -$320 -21.0%
Nevada $1,828 $304 19.9%
New Hampshire $1,102 -$422 -27.7%
New Jersey $1,706 $182 11.9%
New Mexico $1,350 -$174 -11.4%
New York $1,606 $82 5.4%
North Carolina $878 -$646 -42.4%
North Dakota $1,248 -$276 -18.1%
Ohio $1,052 -$472 -31.0%
Oklahoma $1,566 $42 2.8%
Oregon $1,398 -$126 -8.3%
Pennsylvania $1,454 -$70 -4.6%
Rhode Island $2,036 $512 33.6%
South Carolina $1,384 -$140 -9.2%
South Dakota $1,288 -$236 -15.5%
Tennessee $1,334 -$190 -12.5%
Texas $1,836 $312 20.5%
Utah $1,128 -$396 -26.0%
Vermont $1,044 -$480 -31.5%
Virginia $914 -$610 -40.0%
Washington $1,176 -$348 -22.8%
West Virginia $1,398 -$126 -8.3%
Wisconsin $1,056 -$468 -30.7%
Wyoming $1,358 -$166 -10.9%

View Chart as Image

Dodge Ram insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $620 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 $378 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 132% 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 $362 $562 $420 $1,524
2019 Dodge Ram $346 $542 $440 $1,508
2018 Dodge Ram $332 $536 $450 $1,498
2017 Dodge Ram $320 $524 $470 $1,494
2016 Dodge Ram $310 $502 $486 $1,478
2015 Dodge Ram $292 $484 $500 $1,456
2014 Dodge Ram $282 $450 $510 $1,422
2013 Dodge Ram $270 $424 $514 $1,388
2012 Dodge Ram $258 $380 $520 $1,338
2011 Dodge Ram $242 $350 $520 $1,292
2010 Dodge Ram $234 $328 $524 $1,266
2009 Dodge Ram $228 $306 $534 $1,248
2008 Dodge Ram $210 $284 $534 $1,208
2007 Dodge Ram $206 $258 $540 $1,184
2006 Dodge Ram $192 $236 $534 $1,142
2005 Dodge Ram $180 $214 $534 $1,108
2004 Dodge Ram $174 $192 $530 $1,076
2003 Dodge Ram $172 $188 $520 $1,060
2002 Dodge Ram $168 $178 $510 $1,036
2001 Dodge Ram $154 $170 $504 $1,008

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 $1,740 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 $625 each year
  • Insureds who purchase more liability insurance will pay around $460 every year to raise from a 30/60 limit to 250/500 limits

Why is my truck insurance so high? If you have a poor driving record, this could be the answer. A poor record can raise your rates an average of $1,740 more a year. To find out what else determines the price of car insurance, stick with us.

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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 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 a 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 safety features and ratings of the Dodge Ram 1500?

Safety features have multiple purposes. They help prevent crashes, keep you safer in a crash, and help prevent car theft. Insurers are more likely to offer a hefty discount if you have multiple safety features that fit into these categories.

Unfortunately, the 2011 Dodge Ram 1500 only has a few standard safety features listed on AutoBlog.

  • Features that prevent crashes: anti-lock brakes and stability control.
  • Features that protect in crashes: front-impact airbags, overhead airbags, and seatbelt pretensioners.
  • Features that prevent theft: ignition disable device.

The 2011 Dodge Ram 1500 lacks side-impact airbags, knee airbags, anti-whiplash headrests, and a vehicle intrusion alarm. Because it is a little light on safety features, insurers may not offer a high 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 crash rating. According to the IIHS, the Dodge Ram 11500 crew cab and extended cab have the following crash ratings.

  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Marginal
  • Head restraints: Good

The roof strength is poorly rated, but all the other crash tests showed great results, as good is the highest rating possible. Watch the video below for an example of one of the crash tests.

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 is the MSRP of the Dodge Ram 1500?

Manufacturer 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. If you want to start comparing car insurance costs for a Dodge Ram 1500 today, enter your ZIP code in our free tool.

Rates by Driver Age

Dodge Ram Insurance Rates by Driver Age
Driver Age Premium
16 $5,582
20 $3,474
30 $1,592
40 $1,524
50 $1,390
60 $1,362

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,930
$250 $1,744
$500 $1,524
$1,000 $1,316

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,524
50/100 $1,730
100/300 $1,835
250/500 $2,108
100 CSL $1,772
300 CSL $2,003
500 CSL $2,171

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Insurance Rates for High Risk Drivers
Age Premium
16 $7,958
20 $5,510
30 $3,340
40 $3,264
50 $3,110
60 $3,082

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 $204

Potential Rate Discounts

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

Discount Savings
Multi-policy $81
Multi-vehicle $77
Homeowner $22
5-yr Accident Free $109
5-yr Claim Free $97
Paid in Full/EFT $68
Advance Quote $73
Online Quote $108
Total Discounts $635
Rate after discounts $889

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

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