Dodge Ram Insurance Rates

U.S. average insurance rates for a Dodge Ram are $1,478 a year for full coverage. Comprehensive insurance costs approximately $310 a year, collision costs $502, and liability coverage costs around $486. Buying just liability costs as low as $548 a year, with insurance for high-risk drivers costing $3,180 or more. Teenage drivers pay the highest rates at $5,568 a year or more.

Average premium for full coverage: $1,478

Price estimates by individual coverage:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Ram trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural locations have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how geographic area affects auto insurance prices.

The ranges above show why it is important to compare prices using their specific location, rather than using average rates.

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

Additional Rate Analysis

The chart below shows estimated Dodge Ram insurance rates for additional coverage and risk scenarios.

• The best discount rate is $862
• Using higher $1,000 deductibles will save $1,294 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,478
• Using low $100 deductibles for physical damage coverage will cost an additional $354 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $3,180 or more
• The price that insures a teenage driver can cost $5,568 or more

View Chart as Image

Insurance prices for a Dodge Ram are also quite variable based on the trim level of your Ram, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,700 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy can be around 43% to 129% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $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 in the ballpark of $5,500 a year. View Rates by Age

The state you live in has a huge impact on Dodge Ram insurance rates. A driver around age 40 might see prices as low as $970 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,100 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $540 a year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $438 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes and see how they stack up. Each insurance company uses a different method to calculate prices, 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 Cheapest Dodge Ram Insurance

Getting lower rates on auto insurance requires being safe and accident-free, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare prices every time your policy renews by getting quotes from direct carriers, and also from insurance agencies where you live.

Below you'll find a recap of the information presented in the illustrations above.

• Drivers can save around $180 per year simply by quoting early and online
• Youthful drivers are the costliest to insure, with premiums as much as $464 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles can save approximately $550 each year
• Drivers that have major violations or accidents could be forced to pay on average $1,700 more per year than a low-risk driver
• Consumers who purchase more liability protection will pay an extra $540 each year to increase from a low limit to the 250/500 level