Dodge Ram Insurance Rates

The average insurance prices for a Dodge Ram are $1,456 every 12 months including full coverage. Comprehensive insurance costs an estimated $292, collision insurance costs $484, and liability costs $500. A liability-only policy costs as little as $560 a year, and high-risk insurance costs $3,142 or more. Teenage drivers cost the most to insure at up to $5,544 a year.

Average premium for full coverage: $1,456

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different Ram trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates how where you live affects insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $850
• Drivers who choose higher $1,000 deductibles will pay approximately $176 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,456
• Using more expensive low deductibles for comprehensive and collision insurance costs an extra $340 every year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,142
• Policy cost to insure a teen driver with full coverage can cost as much as $5,544 a year

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Car insurance rates for a Dodge Ram also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could save up to $520 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $450 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $5,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Dodge Ram insurance prices. A 40-year-old driver could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,080 on average in Louisiana, New York, and Michigan.

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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 Best Cheap Dodge Ram Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Take the time to comparison shop every couple of years by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a quick review of the material that was touched on in the above illustrations.

• Policyholders who want an increased level of liability coverage will pay an extra $550 per year to go from a 30/60 limit to a 250/500 level
• Drivers age 16 to 20 have the highest car insurance rates, with premiums being up to $462 each month if the policy includes full coverage
• Higher risk drivers with a DUI or reckless driving violation may have to pay on average $1,690 more annually than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $525 each year