Dodge Ram Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 8, 2024
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U.S. average insurance prices for a Dodge Ram are $1,478 every 12 months for full coverage. Comprehensive costs on average $310 each year, collision costs $502, and liability coverage is estimated at $486. Liability-only insurance costs approximately $548 a year, with high-risk driver insurance costing around $3,180. 16-year-old 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 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Ram models.
Price Range from Low to High
For an average driver, Dodge Ram insurance prices go from the cheapest price of $548 for just liability coverage to a high rate of $3,180 for a high-risk driver policy.
Geographic Price Range
Living in a larger city has a large influence on car insurance rates. Rural areas have more infrequent accident claims than congested cities.
The graphic below illustrates the effect of geographic area on car insurance rates.
The ranges above show why all drivers should get quotes based on a specific location and their own driving history, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below shows estimated Dodge Ram insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $862
- Choosing higher $1,000 deductibles can save around $184 a year
- The average price for the average middle-age driver with $500 deductibles is $1,478
- Buying low deductibles for comp and collision coverage increases the price to $1,832
- Drivers with multiple tickets or accidents could pay upwards of $3,180 or more
- The price to insure a teenage driver may cost $5,568 each year
Car insurance prices for a Dodge Ram are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Ram.
Opting for high physical damage deductibles can save as much as $540 a year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $438 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may only pay around $1,400 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $5,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,700 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers ranges around 43% to 129% more than the average rate. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Dodge Ram insurance rates. A good driver about age 40 could pay as low as $970 a year in states like Idaho, Maine, and Iowa, or at least $2,100 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,334 | -$144 | -9.7% |
| Alaska | $1,132 | -$346 | -23.4% |
| Arizona | $1,224 | -$254 | -17.2% |
| Arkansas | $1,478 | -$0 | 0.0% |
| California | $1,680 | $202 | 13.7% |
| Colorado | $1,410 | -$68 | -4.6% |
| Connecticut | $1,516 | $38 | 2.6% |
| Delaware | $1,670 | $192 | 13.0% |
| Florida | $1,846 | $368 | 24.9% |
| Georgia | $1,364 | -$114 | -7.7% |
| Hawaii | $1,058 | -$420 | -28.4% |
| Idaho | $1,000 | -$478 | -32.3% |
| Illinois | $1,098 | -$380 | -25.7% |
| Indiana | $1,114 | -$364 | -24.6% |
| Iowa | $994 | -$484 | -32.7% |
| Kansas | $1,400 | -$78 | -5.3% |
| Kentucky | $2,012 | $534 | 36.1% |
| Louisiana | $2,184 | $706 | 47.8% |
| Maine | $912 | -$566 | -38.3% |
| Maryland | $1,218 | -$260 | -17.6% |
| Massachusetts | $1,178 | -$300 | -20.3% |
| Michigan | $2,562 | $1,084 | 73.3% |
| Minnesota | $1,234 | -$244 | -16.5% |
| Mississippi | $1,768 | $290 | 19.6% |
| Missouri | $1,308 | -$170 | -11.5% |
| Montana | $1,586 | $108 | 7.3% |
| Nebraska | $1,164 | -$314 | -21.2% |
| Nevada | $1,770 | $292 | 19.8% |
| New Hampshire | $1,064 | -$414 | -28.0% |
| New Jersey | $1,650 | $172 | 11.6% |
| New Mexico | $1,306 | -$172 | -11.6% |
| New York | $1,554 | $76 | 5.1% |
| North Carolina | $850 | -$628 | -42.5% |
| North Dakota | $1,210 | -$268 | -18.1% |
| Ohio | $1,018 | -$460 | -31.1% |
| Oklahoma | $1,514 | $36 | 2.4% |
| Oregon | $1,352 | -$126 | -8.5% |
| Pennsylvania | $1,404 | -$74 | -5.0% |
| Rhode Island | $1,968 | $490 | 33.2% |
| South Carolina | $1,338 | -$140 | -9.5% |
| South Dakota | $1,246 | -$232 | -15.7% |
| Tennessee | $1,290 | -$188 | -12.7% |
| Texas | $1,776 | $298 | 20.2% |
| Utah | $1,090 | -$388 | -26.3% |
| Vermont | $1,010 | -$468 | -31.7% |
| Virginia | $882 | -$596 | -40.3% |
| Washington | $1,138 | -$340 | -23.0% |
| West Virginia | $1,352 | -$126 | -8.5% |
| Wisconsin | $1,022 | -$456 | -30.9% |
| Wyoming | $1,314 | -$164 | -11.1% |
Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Ram Quad Cab ST 2WD | $1,318 | $110 |
| Dodge Ram Crew Cab ST 2WD | $1,370 | $114 |
| Dodge Ram Quad Cab SLT 2WD | $1,370 | $114 |
| Dodge Ram Quad Cab TRX4 Off Road 2WD | $1,370 | $114 |
| Dodge Ram Quad Cab ST 4WD | $1,398 | $117 |
| Dodge Ram Crew Cab SLT 2WD | $1,410 | $118 |
| Dodge Ram Crew Cab TRX 2WD | $1,410 | $118 |
| Dodge Ram Crew Cab ST 4WD | $1,438 | $120 |
| Dodge Ram Quad Cab SLT 4WD | $1,438 | $120 |
| Dodge Ram Crew Cab Sport 2WD | $1,478 | $123 |
| Dodge Ram Crew Cab SLT 4WD | $1,506 | $126 |
| Dodge Ram Crew Cab TRX 4WD | $1,506 | $126 |
| Dodge Ram Quad Cab Sport 2WD | $1,478 | $123 |
| Dodge Ram Quad Cab TRX4 Off Road 4WD | $1,506 | $126 |
| Dodge Ram Crew Cab Laramie 2WD | $1,516 | $126 |
| Dodge Ram Crew Cab Sport 4WD | $1,544 | $129 |
| Dodge Ram Quad Cab Laramie 2WD | $1,516 | $126 |
| Dodge Ram Quad Cab Sport 4WD | $1,544 | $129 |
| Dodge Ram Crew Cab Laramie 4WD | $1,584 | $132 |
| Dodge Ram Quad Cab Laramie 4WD | $1,584 | $132 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Dodge Ram | $346 | $542 | $440 | $1,508 |
| 2023 Dodge Ram | $332 | $536 | $450 | $1,498 |
| 2022 Dodge Ram | $320 | $524 | $470 | $1,494 |
| 2021 Dodge Ram | $310 | $502 | $486 | $1,478 |
| 2018 Dodge Ram | $270 | $424 | $514 | $1,388 |
Rates are averaged for all Dodge Ram models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Cheapest Dodge Ram Insurance
Getting lower rates on auto insurance takes having a decent driving record, maintaining a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to compare rates every time your policy renews by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following items are a recap of the information covered in the above illustrations.
- Drivers can save as much as $180 per year simply by quoting online in advance
- 16 to 18-year-old drivers are expensive to insure, with premiums as much as $464 a month if the policy includes full coverage
- Increasing physical damage deductibles could save as much as $550 each year
- Drivers that have major violations or accidents pay an average of $1,700 more each year than a driver with a clean driving record
- Consumers who require additional liability coverage will pay around $540 each year to raise limits from a low limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,568 |
| 20 | $3,380 |
| 30 | $1,530 |
| 40 | $1,478 |
| 50 | $1,350 |
| 60 | $1,322 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,832 |
| $250 | $1,668 |
| $500 | $1,478 |
| $1,000 | $1,294 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,478 |
| 50/100 | $1,681 |
| 100/300 | $1,803 |
| 250/500 | $2,119 |
| 100 CSL | $1,730 |
| 300 CSL | $1,997 |
| 500 CSL | $2,192 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,922 |
| 20 | $5,380 |
| 30 | $3,240 |
| 40 | $3,180 |
| 50 | $3,032 |
| 60 | $3,006 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $78 |
| Multi-vehicle | $77 |
| Homeowner | $23 |
| 5-yr Accident Free | $104 |
| 5-yr Claim Free | $95 |
| Paid in Full/EFT | $64 |
| Advance Quote | $71 |
| Online Quote | $104 |
| Total Discounts | $616 |
Discounts are estimated and may not be available from every company or in every state.
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