Dodge Ram Insurance Rates
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UPDATED: Jun 8, 2024
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The average auto insurance rates for a Dodge Ram are $1,494 annually with full coverage. Comprehensive costs approximately $320 a year, collision costs $524, and liability costs around $470. A liability-only policy costs as low as $536 a year, with high-risk insurance costing around $3,218. Teen drivers cost the most to insure at $5,598 a year or more.
Average premium for full coverage: $1,494
Policy rates by type of insurance:
Rates are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Ram trim levels.
Price Range Variability
For a 40-year-old driver, Dodge Ram insurance rates go from as cheap as $536 for the bare minimum liability coverage to a high of $3,218 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of insurance. Rural locations are shown to have fewer collision claims than larger metro areas.
The diagram below illustrates how your location can change auto insurance prices.
The examples above demonstrate why it is important to compare prices using their specific location and their own personal driving habits, instead of using price 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.
Additional Rate Information
The chart below details estimated Dodge Ram insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $870
- Using higher $1,000 deductibles will save $1,302 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,494
- Choosing low $100 deductibles for physical damage coverage will cost $1,864
- Drivers with multiple violations and an at-fault accident could pay around $3,218 or more
- Policy cost with full coverage for a teen driver can cost $5,598 or more
Car insurance rates for a Dodge Ram also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $5,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,800 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $570 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $423 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see rates as low as $1,080 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,020 on average in New York, Michigan, 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% |
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, so rate quotes will be varied between companies.
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 Buy the Best Cheap Dodge Ram Insurance
Finding cheaper rates on car insurance requires being a safe and courteous driver, having a good credit score, not filing small claims, and avoiding coverage lapses. Invest the time to shop around at every other renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a quick review of the concepts that were illustrated above.
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,720 more per year for auto insurance
- Teenage drivers pay the highest auto insurance rates, as much as $467 each month if comprehensive and collision insurance is included
- You may be able to save around $180 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $550 each year
- You may be able to save around $180 per year simply by quoting early and online
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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