Dodge Ram Insurance Rates

Average insurance rates for a Dodge Ram are $1,456 a year including full coverage. Comprehensive costs approximately $292 each year, collision costs $484, and liability is $500. A policy with just liability insurance costs around $560 a year, with coverage for high-risk drivers costing around $3,142. Teens receive the highest rates at $5,544 a year or more.

Average premium for full coverage: $1,456

Rate estimates by individual coverage type:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Ram models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine auto insurance prices.

These examples highlight why all drivers should compare rates quotes using their specific location, instead of making a decision based on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $850
• Raising to $1,000 deductibles will save $176 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,456
• Selecting low deductibles bumps up the cost to $1,796
• Drivers with serious driving violations could pay around $3,142 or more
• The cost that insures a 16-year-old driver can cost $5,544

View Chart as Image

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

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,700 to $2,400 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 130% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,500 a year. View Rates by Age

Where you live also has a big influence on Dodge Ram insurance prices. A middle-age driver might find rates as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,080 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $520 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $450 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison from multiple companies. Every auto insurance company calculates rates differently, and rates can be significantly 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 Find Cheaper Dodge Ram Insurance

Saving money on insurance for a Dodge Ram consists of avoiding accidents and claims, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The points below are a condensed summary of the ideas that were covered in the charts and tables above.

• Drivers under the age of 20 are the costliest to insure, as much as $462 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with multiple at-fault accidents will likely pay on average $1,690 more per year to insure a Dodge Ram
• Increasing deductibles can save approximately $525 each year
• You may be able to save around $170 per year simply by quoting online in advance