Dodge Ram Insurance Rates

The average insurance rates for a Dodge Ram are $1,494 a year for full coverage insurance. Comprehensive costs an estimated $320, collision costs $524, and liability insurance is estimated at $470. A liability-only policy costs approximately $536 a year, with high-risk insurance costing around $3,218. Teenage drivers cost the most to insure at $5,598 a year or more.

Average premium for full coverage: $1,494

Policy rates broken down by type of insurance:

Rates are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. 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 has a significant impact on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates how your location can change insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area, rather than relying on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $870
• Choosing higher $1,000 deductibles can save approximately $192 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,494
• Using more expensive low deductibles for comp and collision coverage bumps up the cost to $1,864
• High-risk insureds who are prone to accidents and violations could pay up to $3,218 or more
• Policy cost that insures a teen driver with full coverage can cost as much as $5,598 each year

View Chart as Image

Car insurance rates for a Dodge Ram also range considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,800 to $2,400 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged at least $5,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Dodge Ram insurance rates. A good driver about age 40 could pay as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,020 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $570 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $423 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied.

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 Best Cheap Dodge Ram Insurance

Finding cheaper rates on Dodge Ram insurance takes being a low-risk driver, having a positive credit history, being claim-free, and not having any coverage lapses. Compare prices at every policy renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The items below are a quick review of the data illustrated above.

• Drivers who want more liability coverage will pay an extra $520 annually to raise limits from a 30/60 limit to the 250/500 level
• It is possible to save approximately $180 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• Teen drivers have the highest car insurance rates, possibly costing $467 each month if full coverage is purchased