Dodge Ram Insurance Rates

U.S. average insurance rates for a Dodge Ram are $1,494 a year with full coverage. Comprehensive insurance costs an estimated $320 each year, collision costs $524, and liability costs around $470. Buying just liability costs as low as $536 a year, with insurance for high-risk drivers costing $3,218 or more. Teens pay the highest rates at $5,598 a year or more.

Average premium for full coverage: $1,494

Price estimates broken down by individual coverage:

Rate estimates include $500 physical damage deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Ram models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. More rural locations have lower incidents of collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on insurance prices.

The ranges above demonstrate why all drivers should compare prices for a targeted area, instead of using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $870
• Using higher $1,000 deductibles will save approximately $192 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,494
• Selecting low deductibles for physical damage coverage will cost an additional $370 every year
• Drivers with serious driving violations could pay up to $3,218 or more
• The price that insures a teen driver can cost as much as $5,598 or more

View Chart as Image

Insurance prices for a Dodge Ram are also quite variable based on the trim level and model year, 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 $1,800 to $2,400 additional each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 135% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,500 a year. View Rates by Age

The state you live in has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see prices as low as $1,080 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,020 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $570 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $423 more each 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 do a rate comparison and see which company has the best price. Each insurance company calculates prices differently, and prices may be quite different.

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 Dodge Ram Insurance

Getting lower rates on car insurance requires being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates at every policy renewal by getting quotes from direct companies, and also from insurance agencies where you live.

Below is a brief recap of the data covered in the above illustrations.

• Policyholders who want higher levels of liability will pay approximately $520 every year to increase from a low limit to the 250/500 level
• You may be able to save approximately $180 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $550 each year
• Teenage drivers are expensive to insure, costing up to $467 a month if comprehensive and collision insurance is included