Dodge Ram Insurance Rates

Estimated insurance prices for a Dodge Ram are $1,478 every 12 months including full coverage. Comprehensive costs an estimated $310 each year, collision costs $502, and liability coverage is estimated at $486. A liability-only policy costs approximately $548 a year, with high-risk insurance costing around $3,180. Teenage drivers pay the most at $5,568 a year or more.

Average premium for full coverage: $1,478

Premium estimates broken down by type of coverage:

Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Ram models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates how geographic area affects insurance prices.

These rate differences highlight why all drivers should get quotes for a targeted area and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Dodge Ram insurance rates for other coverage scenarios.

• The best discount rate is $862
• Choosing higher $1,000 deductibles can save approximately $184 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,478
• Using low deductibles for comp and collision coverage increases the price to $1,832
• Drivers who are prone to accidents and violations could pay up to $3,180 or more
• An auto insurance policy to insure a teenage driver can cost as much as $5,568 each year

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Auto insurance prices for a Dodge Ram also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles can save as much as $540 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $438 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay at least $5,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,700 to $2,400 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges around 43% to 129% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Dodge Ram insurance rates. A good driver about age 40 could pay as low as $1,130 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,100 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate prices, 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 Right Dodge Ram Insurance

Finding better rates on auto insurance takes avoiding accidents and violations, having a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The list below is a quick rundown of the ideas that were presented in the illustrations above.

• Teenagers are the costliest to insure, with the cost nearing $464 per month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions may have to pay on average $1,700 more annually for car insurance
• Increasing policy deductibles could save as much as $550 each year
• You may be able to save approximately $180 per year simply by quoting online in advance