Dodge Ram Insurance Rates

Estimated insurance rates for a Dodge Ram are $1,456 a year including full coverage. Comprehensive costs around $292, collision insurance costs $484, and liability coverage costs $500. A policy with only liability insurance costs as little as $560 a year, and a high-risk policy costs around $3,142. Teens pay the most at up to $5,544 a year.

Average premium for full coverage: $1,456

Premium estimates for type of coverage:

Prices are based on $500 deductible amounts, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Ram trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare rates for a specific zip code, rather than using averaged prices.

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

More Rate Details

The chart below breaks down average Dodge Ram insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $850
• Drivers who choose higher $1,000 deductibles will pay about $176 every year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,456
• Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,796
• High-risk insureds with serious driving violations could pay at least $3,142
• An auto insurance policy that insures a teenage driver with full coverage can be $5,544 a year

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Car insurance prices for a Dodge Ram also have a wide range based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,700 to $2,400 extra annually, depending on your age. High-risk driver insurance can cost around 43% to 130% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $5,500 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Ram insurance rates. A 40-year-old driver 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.

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Choosing higher comprehensive and collision insurance deductibles could save up to $520 a year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $450 extra every 12 months. View Rates by Deductible or Liability Limit

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 Affordable Dodge Ram Insurance

Finding better rates on auto insurance not only requires having a good driving record, but also having a positive credit history, refrain from filing small claims, and consideration of higher deductibles. Compare rates every time your policy renews by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The next list is a brief review of the information covered above.

• You may be able to save up to $170 per year just by shopping early and online
• Drivers age 20 and younger are the costliest to insure, with the cost nearing $462 per month if full coverage is purchased
• Increasing policy deductibles can save approximately $525 each year
• Drivers with DUI or reckless driving convictions may have to pay on average $1,690 more every year to buy Dodge Ram insurance
• Consumers who may need increased levels of liability coverage will pay approximately $550 per year to go from 30/60 bodily injury limits to the 250/500 level