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...
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UPDATED: Jun 8, 2024
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Estimated insurance rates for a Dodge Ram are $1,478 a year including full coverage. Comprehensive insurance costs around $310 each year, collision insurance costs $502, and liability costs $486. A liability-only policy costs as little as $548 a year, and high-risk insurance costs $3,180 or more. Teenage drivers pay the most at up to $5,568 a year.
Average premium for full coverage: $1,478
Premium estimates for type of coverage:
Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Ram models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Dodge Ram range from as low as $548 for basic liability insurance to a high rate of $3,180 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance rates.
These rate differences highlight why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.
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.
Rate Comparisons
The chart below breaks down average Dodge Ram insurance rates for additional coverage choices and driver risks.
- The best discount rate is $862
- Drivers who choose higher $1,000 deductibles will pay about $184 every year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,478
- Using low deductibles for comprehensive and collision insurance will cost an extra $354 annually
- Drivers who are prone to accidents and violations could pay at least $3,180
- An auto insurance policy for full coverage for a 16-year-old driver can be $5,568 a year
Auto insurance prices for a Dodge Ram also have a wide range based on your driving characteristics, the model of your Ram, and deductibles and policy limits.
More mature drivers with a good driving record and high deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $5,500 a year. View Rates by Age
Where you choose to live makes a big difference in Dodge Ram insurance prices. A 40-year-old driver could pay as low as $1,130 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,100 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles could save up to $540 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $438 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at least $1,700 to $2,400 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost from 43% to 129% more than a normal policy. View High Risk Driver Rates
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 Find Low Cost Dodge Ram Insurance
Finding better rates on insurance for a Dodge Ram not only requires being a low-risk driver, but also having good credit, refrain from filing small claims, and possibly raising deductibles. Invest time comparing rates once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The items below are a review of the data that was covered in the charts and tables above.
- You may be able to save up to $180 per year just by quoting online in advance
- Insureds who may need more liability coverage will pay an extra $540 per year to go from 30/60 bodily injury limits to 250/500 limits
- Teen drivers are expensive to insure, with the cost nearing $464 per month if they have full coverage
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,700 more every year to insure their Ram
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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