Dodge Ram Insurance Rates

Estimated insurance rates for a Dodge Ram are $1,456 a year including full coverage. Comprehensive insurance costs on average $292 a year, collision costs $484, and liability is estimated at $500. Liability-only insurance costs approximately $560 a year, with high-risk driver insurance costing $3,142 or more. 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 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Ram trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on car insurance rates.

These rate differences highlight why it is important to get quotes based on a specific location and risk profile, 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 breaks down estimated Dodge Ram insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $850
• Choosing higher $1,000 deductibles can save around $1,280 every year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,456
• Selecting low $100 deductibles for comp and collision coverage will cost an extra $340 annually
• Higher-risk drivers with serious driving violations could pay upwards of $3,142 or more
• An auto insurance policy for full coverage for a 16-year-old driver may cost $5,544 each year

View Chart as Image

Insurance prices for a Dodge Ram also have a wide range based on your driving characteristics, the model of your Ram, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $5,500 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Dodge Ram insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,080 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $520 annually, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $450 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,700 to $2,400 additional annually, depending on your age. A high-risk auto insurance policy ranges from 43% to 130% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Each auto insurer calculates prices differently, and prices will be substantially different 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 Dodge Ram Insurance

Finding better rates on insurance for a Dodge Ram takes being safe and accident-free, having a good credit history, refrain from filing small claims, and insuring your home and auto with the same company. Take the time to compare rates at least every other year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief recap of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk who tend to receive serious violations may pay on average $1,690 more each year than a low-risk driver
• You may be able to save as much as $170 per year simply by quoting early and online
• Increasing policy deductibles can save around $525 each year
• Insureds who require more liability protection will pay approximately $550 per year to raise limits from 30/60 bodily injury limits to 250/500 limits