Dodge Ram Insurance Rates

The average insurance rates for a Dodge Ram are $1,456 a year with full coverage. Comprehensive costs on average $292, collision costs $484, and liability coverage costs $500. A liability-only policy costs as little as $560 a year, with high-risk insurance costing around $3,142. Teenage drivers cost the most to insure at $5,544 a year or more.

Average premium for full coverage: $1,456

Policy rates by type of insurance:

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Ram models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than densely populated cities.

The example below illustrates how location helps determine car insurance rates.

The examples above demonstrate why everyone should compare rates based on a specific location and risk profile, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $850
• Drivers who choose higher $1,000 deductibles will pay around $176 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,456
• Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,796
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,142 or more
• Policy cost for full coverage for a teenage driver for full coverage may cost $5,544 a year

View Chart as Image

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

A more mature driver with no driving violations and high deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $5,500 a year. View Rates by Age

Your home state makes a big difference in Dodge Ram insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,970 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $520 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $450 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,400 extra every year, depending on your age. Dodge Ram insurance for high-risk drivers can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, so rate quotes 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 Best Cheap Dodge Ram Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and maximizing policy discounts. Invest time comparing rates every couple of years by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below is a quick review of the material that was covered in the charts and tables above.

• Consumers who require higher levels of liability will pay an extra $550 every year to go from a 30/60 limit to 250/500 limits
• Teenage drivers are expensive to insure, as much as $462 each month if full coverage is included
• Drivers with a DUI or reckless driving violation may be required to pay an average of $1,690 more each year for auto insurance
• Increasing comprehensive and collision deductibles can save around $525 each year