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Dodge Ram Insurance Rates

Dodge Ram insurance

U.S. average insurance rates for a Dodge Ram are $1,292 a year with full coverage. Comprehensive costs an estimated $242, collision costs $350, and liability is estimated at $520. Liability-only coverage costs approximately $576 a year, with high-risk coverage costing around $2,776. 16-year-old drivers pay the highest rates at $5,032 a year or more.

Average premium for full coverage: $1,292

Price estimates broken down by individual coverage:

Comprehensive $242
Collision $350
Liability $520

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Ram models.

Price Range from Low to High

For a driver around age 40, Dodge Ram insurance prices go from the low end price of $576 for just liability insurance to the much higher price of $2,776 for a high-risk insurance policy.

Liability Only $576
Full Coverage $1,292
High Risk $2,776

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. More rural locations have lower incidents of collision claims than congested cities.

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

Rural Areas $969
Small Cities $1,357
Large Cities $1,744

The ranges above demonstrate why everyone should get quotes for a targeted area, instead of making a decision based on rate averages.

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

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More Rate Details

The chart below details estimated Dodge Ram insurance rates for other coverage scenarios.

  • The best full coverage rate is $769
  • Choosing higher $1,000 deductibles can save approximately $136 annually
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,292
  • Buying pricier low deductibles for comp and collision coverage bumps up the cost to $1,548
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,776 or more
  • The price that insures a 16-year-old driver for full coverage can cost as much as $5,032 each year

View Chart as Image

Dodge Ram insurance cost comparison chart
Column chart showing full coverage Dodge Ram insurance rates range from $769 to $5,032

Auto insurance prices for a Dodge Ram are also quite variable based on the model of your Ram, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,500 to $2,100 in extra premium each year, depending on your age. Dodge Ram insurance for high-risk drivers ranges from 42% to 130% more than the average rate. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $5,000 a year. View Rates by Age

The state you live in plays a big part in determining prices for Dodge Ram insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or at least $1,740 on average in New York, Michigan, and Florida.

Dodge Ram Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,166-$126-9.8%
Alaska$990-$302-23.4%
Arizona$1,072-$220-17.0%
Arkansas$1,292-$00.0%
California$1,470$17813.8%
Colorado$1,230-$62-4.8%
Connecticut$1,324$322.5%
Delaware$1,460$16813.0%
Florida$1,614$32224.9%
Georgia$1,192-$100-7.7%
Hawaii$926-$366-28.3%
Idaho$874-$418-32.4%
Illinois$960-$332-25.7%
Indiana$974-$318-24.6%
Iowa$872-$420-32.5%
Kansas$1,226-$66-5.1%
Kentucky$1,758$46636.1%
Louisiana$1,910$61847.8%
Maine$798-$494-38.2%
Maryland$1,064-$228-17.6%
Massachusetts$1,030-$262-20.3%
Michigan$2,238$94673.2%
Minnesota$1,080-$212-16.4%
Mississippi$1,546$25419.7%
Missouri$1,144-$148-11.5%
Montana$1,386$947.3%
Nebraska$1,018-$274-21.2%
Nevada$1,548$25619.8%
New Hampshire$930-$362-28.0%
New Jersey$1,442$15011.6%
New Mexico$1,142-$150-11.6%
New York$1,360$685.3%
North Carolina$744-$548-42.4%
North Dakota$1,058-$234-18.1%
Ohio$888-$404-31.3%
Oklahoma$1,324$322.5%
Oregon$1,182-$110-8.5%
Pennsylvania$1,228-$64-5.0%
Rhode Island$1,722$43033.3%
South Carolina$1,168-$124-9.6%
South Dakota$1,088-$204-15.8%
Tennessee$1,128-$164-12.7%
Texas$1,554$26220.3%
Utah$952-$340-26.3%
Vermont$884-$408-31.6%
Virginia$772-$520-40.2%
Washington$996-$296-22.9%
West Virginia$1,182-$110-8.5%
Wisconsin$894-$398-30.8%
Wyoming$1,148-$144-11.1%

View Chart as Image

Dodge Ram insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $400 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices from multiple companies. Each auto insurer utilizes a different rate formula, and quoted prices may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2010 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 YearComprehensiveCollisionLiabilityTotal Premium
2010 Dodge Ram$242$350$520$1,292
2009 Dodge Ram$234$328$524$1,266
2008 Dodge Ram$228$306$534$1,248
2007 Dodge Ram$210$284$534$1,208
2006 Dodge Ram$206$258$540$1,184
2005 Dodge Ram$192$236$534$1,142
2004 Dodge Ram$180$214$534$1,108
2003 Dodge Ram$174$192$530$1,076
2002 Dodge Ram$172$188$520$1,060
2001 Dodge Ram$168$178$510$1,036
2000 Dodge Ram$154$170$504$1,008
1999 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

Getting lower rates on insurance for a Dodge Ram takes avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop at least every other year by getting rate quotes from direct companies, and also from insurance agencies where you live.

The points below are a brief review of the car insurance concepts covered above.

  • Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,480 more annually to insure a Dodge Ram
  • You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save approximately $400 each year
  • Insureds who want increased liability limits will pay around $570 every year to raise limits from a low limit to the 250/500 level

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Rates by Driver Age

Dodge Ram Insurance Rates by Driver Age
Driver AgePremium
16$5,032
20$2,946
30$1,324
40$1,292
50$1,182
60$1,156

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,548
$250$1,430
$500$1,292
$1,000$1,156

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,292
50/100$1,472
100/300$1,602
250/500$1,940
100 CSL$1,524
300 CSL$1,810
500 CSL$2,018

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Insurance Rates for High Risk Drivers
AgePremium
16$7,126
20$4,694
30$2,814
40$2,776
50$2,652
60$2,626

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 $174

Potential Rate Discounts

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

DiscountSavings
Multi-policy$67
Multi-vehicle$69
Homeowner$22
5-yr Accident Free$84
5-yr Claim Free$82
Paid in Full/EFT$51
Advance Quote$59
Online Quote$89
Total Discounts$523
Rate after discounts $769

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

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