Dodge Ram Insurance Rates

U.S. average insurance rates for a Dodge Ram are $1,478 a year for full coverage. Comprehensive insurance costs an estimated $310 each year, collision costs $502, and liability costs around $486. Buying just liability costs as low as $548 a year, with insurance for high-risk drivers costing $3,180 or more. Teenage drivers pay the highest rates at $5,568 a year or more.

Average premium for full coverage: $1,478

Price estimates broken down by individual coverage:

Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Ram models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on insurance rates. More rural locations have lower incidents of accident claims than densely populated cities.

The graphic below illustrates how rural and urban location affects insurance prices.

The ranges above show why all drivers should compare prices for a targeted area, instead of making a decision based on average rates.

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

More Rate Information

The chart below shows estimated Dodge Ram insurance rates for other coverage scenarios.

• The best discount rate is $862
• Using higher $1,000 deductibles will save approximately $184 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,478
• Using low deductibles for physical damage coverage will cost an additional $354 annually
• High-risk insureds who are prone to accidents and violations could pay up to $3,180 or more
• The price that insures a 16-year-old driver can cost as much as $5,568 or more

View Chart as Image

Insurance prices for a Dodge Ram are also quite variable based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,700 to $2,400 additional each year, depending on your age. Insurance for high-risk drivers can be from 43% to 129% more than a normal 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 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,500 a year. View Rates by Age

The state you live in has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see prices as low as $970 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,100 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $540 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $438 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, and prices may be quite 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 Low Cost Dodge Ram Insurance

Getting lower rates on insurance for a Dodge Ram requires being a good driver, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices every couple of years by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The following list is a review of the material that was raised in the charts and tables above.

• Insureds who want an increased level of liability coverage will pay an extra $540 each year to increase from a low limit to the 250/500 level
• Drivers age 16 to 20 are expensive to insure, with premiums as much as $464 a month if comprehensive and collision insurance is included
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,700 more annually than a safer driver
• Increasing physical damage deductibles can save approximately $550 each year