Dodge Ram Insurance Rates

The average insurance rates for a Dodge Ram are $1,478 a year for full coverage insurance. Comprehensive costs on average $310, collision costs $502, and liability is estimated at $486. Liability-only insurance costs approximately $548 a year, with high-risk driver insurance costing around $3,180. 16-year-old drivers cost the most to insure at $5,568 a year or more.

Average premium for full coverage: $1,478

Policy rates by type of insurance:

Prices include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Ram trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than congested cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes based on a 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.

Additional Rate Details

The chart below illustrates estimated Dodge Ram insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $862
• Choosing higher $1,000 deductibles can save around $184 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,478
• Buying more expensive low deductibles for comp and collision coverage will increase the cost to $1,832
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,180 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage may cost $5,568 each year

View Chart as Image

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

An older driver with a good driving record and high deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $5,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Dodge Ram insurance prices. A good driver about age 40 could pay as low as $970 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,990 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $540 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $438 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,700 to $2,400 in extra premium every year, depending on your age. High-risk driver insurance ranges from 43% to 129% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and quoted rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find the Right Dodge Ram Insurance

Finding cheaper rates on insurance for a Dodge Ram takes avoiding accidents and claims, having good credit, being claim-free, and taking advantage of discounts. Set aside time to shop around once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a quick rundown of the data that was raised in the charts and tables above.

• It is possible to save as much as $180 per year simply by shopping early and online
• Insureds who require increased liability limits will pay around $540 annually to raise limits from a 30/60 limit to 250/500 limits
• Drivers under the age of 20 are charged the highest rates, possibly costing $464 each month if they have full coverage
• Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,700 more each year to insure a Dodge Ram