Dodge Ram Insurance Rates

Estimated insurance prices for a Dodge Ram are $1,456 every 12 months for full coverage insurance. Comprehensive costs on average $292, collision costs $484, and liability costs around $500. A liability-only policy costs as low as $560 a year, with high-risk insurance costing around $3,142. Teens pay the most at $5,544 a year or more.

Average premium for full coverage: $1,456

Premium estimates by type of coverage:

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for different Ram trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $850
• Using higher $1,000 deductibles will save around $176 each year
• The average price for a 40-year-old good driver with $500 deductibles is $1,456
• Selecting more expensive low deductibles for physical damage coverage increases the price to $1,796
• High-risk insureds with serious driving violations could pay upwards of $3,142 or more
• An auto insurance policy to insure a 16-year-old driver with full coverage may cost $5,544 or more

View Chart as Image

Auto insurance prices for a Dodge Ram also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Ram.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $520 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $450 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $5,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,400 in extra premium annually, depending on your age. High-risk driver insurance can be from 43% to 130% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see prices as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,970 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices from multiple companies. Each insurance company calculates prices differently, and quoted prices will be substantially 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 Shop for the Best Dodge Ram Insurance

Finding better rates on insurance for a Dodge Ram requires being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Make time to compare rates at every other renewal by getting quotes from direct insurance companies, and also from several local insurance agents.

Below you'll find a brief recap of the concepts that were touched on in this article.

• Drivers considered higher risk who tend to receive serious violations pay on average $1,690 more each year than a low-risk driver
• Youthful drivers are charged the highest prices, with premiums being up to $462 per month if comprehensive and collision insurance is included
• It is possible to save as much as $170 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $525 each year
• It is possible to save as much as $170 per year simply by shopping early and online