Dodge Ram Insurance Rates
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UPDATED: Jun 8, 2024
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U.S. average insurance rates for a Dodge Ram are $1,494 a year for full coverage. Comprehensive costs on average $320, collision insurance costs $524, and liability is estimated at $470. Buying just liability costs approximately $536 a year, and insurance for high-risk drivers costs around $3,218. 16-year-old drivers pay the highest rates at up to $5,598 a year.
Average premium for full coverage: $1,494
Price estimates by individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for different Ram trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Dodge Ram insurance prices range from as low as $536 for a discount liability-only rate to a much higher rate of $3,218 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. Rural areas have a lower frequency of accident claims than congested cities. The price range example below illustrates how rural and urban location affects car insurance rates.
The ranges above show why anyone shopping for car insurance should get quotes based on a specific location and risk profile, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below shows average Dodge Ram insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $870
- Choosing higher $1,000 deductibles can save around $192 a year
- The average rate for the average middle-age driver with $500 deductibles is $1,494
- Buying more expensive low deductibles for comp and collision coverage will increase the cost to $1,864
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,218
- The price for full coverage for a 16-year-old driver with full coverage may cost $5,598 each year
Insurance prices for a Dodge Ram are also quite variable based on your driving record, the trim level of your Ram, and policy deductibles and limits.
An older driver with no violations or accidents and high deductibles may pay as low as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $5,500 a year. View Rates by Age
The state you live in plays a big part in determining prices for Dodge Ram insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Idaho, Maine, and Iowa, or at least $2,130 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,350 | -$144 | -9.6% |
| Alaska | $1,146 | -$348 | -23.3% |
| Arizona | $1,240 | -$254 | -17.0% |
| Arkansas | $1,494 | -$0 | 0.0% |
| California | $1,702 | $208 | 13.9% |
| Colorado | $1,426 | -$68 | -4.6% |
| Connecticut | $1,536 | $42 | 2.8% |
| Delaware | $1,690 | $196 | 13.1% |
| Florida | $1,868 | $374 | 25.0% |
| Georgia | $1,380 | -$114 | -7.6% |
| Hawaii | $1,072 | -$422 | -28.2% |
| Idaho | $1,012 | -$482 | -32.3% |
| Illinois | $1,110 | -$384 | -25.7% |
| Indiana | $1,126 | -$368 | -24.6% |
| Iowa | $1,008 | -$486 | -32.5% |
| Kansas | $1,418 | -$76 | -5.1% |
| Kentucky | $2,038 | $544 | 36.4% |
| Louisiana | $2,212 | $718 | 48.1% |
| Maine | $922 | -$572 | -38.3% |
| Maryland | $1,232 | -$262 | -17.5% |
| Massachusetts | $1,192 | -$302 | -20.2% |
| Michigan | $2,592 | $1,098 | 73.5% |
| Minnesota | $1,250 | -$244 | -16.3% |
| Mississippi | $1,792 | $298 | 19.9% |
| Missouri | $1,324 | -$170 | -11.4% |
| Montana | $1,604 | $110 | 7.4% |
| Nebraska | $1,176 | -$318 | -21.3% |
| Nevada | $1,792 | $298 | 19.9% |
| New Hampshire | $1,076 | -$418 | -28.0% |
| New Jersey | $1,670 | $176 | 11.8% |
| New Mexico | $1,322 | -$172 | -11.5% |
| New York | $1,576 | $82 | 5.5% |
| North Carolina | $860 | -$634 | -42.4% |
| North Dakota | $1,222 | -$272 | -18.2% |
| Ohio | $1,032 | -$462 | -30.9% |
| Oklahoma | $1,532 | $38 | 2.5% |
| Oregon | $1,368 | -$126 | -8.4% |
| Pennsylvania | $1,424 | -$70 | -4.7% |
| Rhode Island | $1,994 | $500 | 33.5% |
| South Carolina | $1,354 | -$140 | -9.4% |
| South Dakota | $1,260 | -$234 | -15.7% |
| Tennessee | $1,306 | -$188 | -12.6% |
| Texas | $1,798 | $304 | 20.3% |
| Utah | $1,106 | -$388 | -26.0% |
| Vermont | $1,024 | -$470 | -31.5% |
| Virginia | $894 | -$600 | -40.2% |
| Washington | $1,152 | -$342 | -22.9% |
| West Virginia | $1,370 | -$124 | -8.3% |
| Wisconsin | $1,034 | -$460 | -30.8% |
| Wyoming | $1,330 | -$164 | -11.0% |
Opting for high physical damage deductibles can save as much as $570 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $423 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,800 to $2,400 additional each year, depending on your age. High-risk driver insurance ranges from 43% to 135% more than the average rate. 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 | $1,330 | $111 |
| Dodge Ram Crew Cab ST 2WD | $1,382 | $115 |
| Dodge Ram Quad Cab SLT 2WD | $1,382 | $115 |
| Dodge Ram Quad Cab TRX4 Off Road 2WD | $1,382 | $115 |
| Dodge Ram Quad Cab ST 4WD | $1,412 | $118 |
| Dodge Ram Crew Cab SLT 2WD | $1,424 | $119 |
| Dodge Ram Crew Cab TRX 2WD | $1,424 | $119 |
| Dodge Ram Crew Cab ST 4WD | $1,452 | $121 |
| Dodge Ram Quad Cab SLT 4WD | $1,452 | $121 |
| Dodge Ram Crew Cab Sport 2WD | $1,494 | $125 |
| Dodge Ram Crew Cab SLT 4WD | $1,522 | $127 |
| Dodge Ram Crew Cab TRX 4WD | $1,522 | $127 |
| Dodge Ram Quad Cab Sport 2WD | $1,494 | $125 |
| Dodge Ram Quad Cab TRX4 Off Road 4WD | $1,522 | $127 |
| Dodge Ram Crew Cab Laramie 2WD | $1,534 | $128 |
| Dodge Ram Crew Cab Sport 4WD | $1,564 | $130 |
| Dodge Ram Quad Cab Laramie 2WD | $1,534 | $128 |
| Dodge Ram Quad Cab Sport 4WD | $1,564 | $130 |
| Dodge Ram Crew Cab Laramie 4WD | $1,604 | $134 |
| Dodge Ram Quad Cab Laramie 4WD | $1,604 | $134 |
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 | $362 | $562 | $420 | $1,524 |
| 2023 Dodge Ram | $346 | $542 | $440 | $1,508 |
| 2022 Dodge Ram | $332 | $536 | $450 | $1,498 |
| 2021 Dodge Ram | $320 | $524 | $470 | $1,494 |
| 2018 Dodge Ram | $282 | $450 | $510 | $1,422 |
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 the Best Dodge Ram Insurance
Getting lower rates on insurance for a Dodge Ram takes avoiding accidents and violations, having a good credit history, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around at least once a year by requesting rates from direct carriers like Progressive and GEICO, and also from your local insurance agents.
The list below is a brief recap of the primary concepts that were raised in the charts and tables above.
- Drivers can save as much as $180 per year just by shopping early and online
- Drivers considered higher risk who tend to receive serious violations will pay on average $1,720 more each year for car insurance
- Increasing physical damage deductibles can save around $550 each year
- Teenagers pay higher prices, with premiums as much as $467 a month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,598 |
| 20 | $3,424 |
| 30 | $1,552 |
| 40 | $1,494 |
| 50 | $1,364 |
| 60 | $1,338 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,864 |
| $250 | $1,694 |
| $500 | $1,494 |
| $1,000 | $1,302 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,494 |
| 50/100 | $1,698 |
| 100/300 | $1,816 |
| 250/500 | $2,121 |
| 100 CSL | $1,745 |
| 300 CSL | $2,004 |
| 500 CSL | $2,192 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,972 |
| 20 | $5,442 |
| 30 | $3,280 |
| 40 | $3,218 |
| 50 | $3,070 |
| 60 | $3,040 |
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 | $79 |
| Multi-vehicle | $77 |
| Homeowner | $23 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $96 |
| Paid in Full/EFT | $66 |
| Advance Quote | $72 |
| Online Quote | $105 |
| Total Discounts | $624 |
Discounts are estimated and may not be available from every company or in every state.
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