Dodge Ram Insurance Rates

The average auto insurance rates for a Dodge Ram are $1,456 annually including full coverage. Comprehensive costs approximately $292 a year, collision costs $484, and liability costs around $500. Liability-only coverage costs as low as $560 a year, with high-risk coverage costing around $3,142. Teen 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 deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Ram trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above highlight why it is important to compare prices using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $850
• Using higher $1,000 deductibles will save $1,280 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,456
• Choosing low $100 deductibles for physical damage coverage will cost $1,796
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,142 or more
• Policy cost with full coverage for a 16-year-old driver can cost $5,544 or more

View Chart as Image

Insurance rates for a Dodge Ram also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,400 additional every year, depending on your age. A high-risk auto insurance policy can be from 43% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $520 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $450 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see rates as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,080 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and rates will be varied between companies.

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 Buy the Best Cheap Dodge Ram Insurance

Finding cheaper rates on insurance for a Dodge Ram requires not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to shop around every year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following is a quick review of the coverage data raised in the charts and tables above.

• You may be able to save around $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Teens are the costliest to insure, with premiums being up to $462 each month if they have full coverage
• Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,690 more per year for Ram insurance