Dodge Ram Insurance Rates

The average insurance prices for a Dodge Ram are $1,456 every 12 months for full coverage. Comprehensive costs around $292 a year, collision costs $484, and liability coverage is $500. Liability-only coverage costs around $560 a year, with high-risk coverage costing around $3,142. Teenage drivers cost the most to insure at $5,544 a year or more.

Average premium for full coverage: $1,456

Policy rates for type of insurance:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Ram trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than densely populated cities.

The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above show why it is important to compare rates quotes for a specific zip code and their own driving history, rather than using 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 additional coverage choices and driver risks.

• The best discount rate is $850
• Raising to $1,000 deductibles will save about $1,280 a year
• The average price for a good driver age 40 using $500 deductibles is $1,456
• Using low $100 deductibles increases the price to $1,796
• Unlucky drivers who are prone to accidents and violations could pay at least $3,142 or more
• Policy cost to insure a teenage driver can be $5,544

View Chart as Image

Insurance rates for a Dodge Ram also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $520 a year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $450 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $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 could be paying at least $1,700 to $2,400 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Dodge Ram insurance rates. A middle-age driver might find rates as low as $960 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,080 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know your exact price is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate rates, and rates will be varied.

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 Low Cost Dodge Ram Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at least once a year by quoting rates from direct carriers, and also from local exclusive and independent agents.

Below you'll find a review of the primary concepts that were raised in the charts and tables above.

• Drivers can save up to $170 per year simply by quoting early and online
• Drivers who have several accidents or serious violations may pay on average $1,690 more every year than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Youthful drivers are charged the highest rates, costing up to $462 each month if full coverage is included