Dodge Ram Insurance Rates

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2018 Dodge Ram Pickup 1500 Car Insurance Quotes in 2025

There isn't a single person who anticipates paying for auto insurance, especially when they are aware that they could get a better deal. With consumers having so many companies and agents to choose from, it can be hard to find the cheapest insurance company. This information will help educate you on how to get online quotes. If you have car insurance now, you stand a good chance to be able to lowe...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Jun 8, 2024

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U.S. average auto insurance rates for a Dodge Ram are $1,478 annually for full coverage insurance. Comprehensive costs around $310 a year, collision costs $502, and liability costs $486. Liability-only coverage costs as little as $548 a year, with high-risk coverage costing around $3,180. Teens pay the highest rates at $5,568 a year or more.

Average premium for full coverage: $1,478

Price estimates for individual coverage:

Comprehensive $310
Collision $502
Liability $486

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Ram trim levels.

Price Range from Low to High

For an average driver, Dodge Ram insurance prices go from as cheap as $548 for the bare minimum liability coverage to a high of $3,180 for coverage for higher-risk drivers.

Liability Only $548
Full Coverage $1,478
High Risk $3,180

Geographic Price Range

Your location can make a big difference on car insurance rates. Areas with sparse population have fewer physical damage claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $1,109
Small Cities $1,552
Large Cities $1,995

The ranges above illustrate why it is important to compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

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.

Additional Rate Information

The chart below illustrates estimated Dodge Ram insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $862
  • Drivers who choose higher $1,000 deductibles will pay about $1,294 each year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,478
  • Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,832
  • Drivers with serious driving violations could pay at least $3,180 or more
  • The price with full coverage for a 16-year-old driver can be $5,568 a year

View Chart as Image

Dodge Ram insurance cost comparison chart
Column chart showing full coverage Dodge Ram insurance rates range from $862 to $5,568

Auto insurance prices for a Dodge Ram are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay as much as $5,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,700 to $2,400 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost from 43% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $540 annually, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $438 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Dodge Ram insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,990 on average in Michigan, New York, and Florida.

Dodge Ram Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,334 -$144 -9.7%
Alaska $1,132 -$346 -23.4%
Arizona $1,224 -$254 -17.2%
Arkansas $1,478 -$0 0.0%
California $1,680 $202 13.7%
Colorado $1,410 -$68 -4.6%
Connecticut $1,516 $38 2.6%
Delaware $1,670 $192 13.0%
Florida $1,846 $368 24.9%
Georgia $1,364 -$114 -7.7%
Hawaii $1,058 -$420 -28.4%
Idaho $1,000 -$478 -32.3%
Illinois $1,098 -$380 -25.7%
Indiana $1,114 -$364 -24.6%
Iowa $994 -$484 -32.7%
Kansas $1,400 -$78 -5.3%
Kentucky $2,012 $534 36.1%
Louisiana $2,184 $706 47.8%
Maine $912 -$566 -38.3%
Maryland $1,218 -$260 -17.6%
Massachusetts $1,178 -$300 -20.3%
Michigan $2,562 $1,084 73.3%
Minnesota $1,234 -$244 -16.5%
Mississippi $1,768 $290 19.6%
Missouri $1,308 -$170 -11.5%
Montana $1,586 $108 7.3%
Nebraska $1,164 -$314 -21.2%
Nevada $1,770 $292 19.8%
New Hampshire $1,064 -$414 -28.0%
New Jersey $1,650 $172 11.6%
New Mexico $1,306 -$172 -11.6%
New York $1,554 $76 5.1%
North Carolina $850 -$628 -42.5%
North Dakota $1,210 -$268 -18.1%
Ohio $1,018 -$460 -31.1%
Oklahoma $1,514 $36 2.4%
Oregon $1,352 -$126 -8.5%
Pennsylvania $1,404 -$74 -5.0%
Rhode Island $1,968 $490 33.2%
South Carolina $1,338 -$140 -9.5%
South Dakota $1,246 -$232 -15.7%
Tennessee $1,290 -$188 -12.7%
Texas $1,776 $298 20.2%
Utah $1,090 -$388 -26.3%
Vermont $1,010 -$468 -31.7%
Virginia $882 -$596 -40.3%
Washington $1,138 -$340 -23.0%
West Virginia $1,352 -$126 -8.5%
Wisconsin $1,022 -$456 -30.9%
Wyoming $1,314 -$164 -11.1%

View Chart as Image

Dodge Ram insurance rates by U.S. city

Since prices can be so different, the only way to figure out your exact price is to get quotes from multiple companies. Every company calculates prices differently, and quoted prices may be quite different between companies.

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.

Dodge Ram Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Dodge Ram $346 $542 $440 $1,508
2023 Dodge Ram $332 $536 $450 $1,498
2022 Dodge Ram $320 $524 $470 $1,494
2021 Dodge Ram $310 $502 $486 $1,478
2018 Dodge Ram $270 $424 $514 $1,388

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 Buy the Best Cheap Dodge Ram Insurance

Getting lower rates on insurance for a Dodge Ram not only requires being a good driver, but also having above-average credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates at least once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a quick review of the primary concepts that were covered in the above illustrations.

  • It is possible to save up to $180 per year simply by quoting early and online
  • Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,700 more every year than a safer driver
  • Increasing physical damage deductibles could save up to $550 each year
  • Drivers age 16 to 20 are expensive to insure, as much as $464 a month if full coverage is included

Rates by Driver Age

Dodge Ram Insurance Rates by Driver Age
Driver Age Premium
16 $5,568
20 $3,380
30 $1,530
40 $1,478
50 $1,350
60 $1,322

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,832
$250 $1,668
$500 $1,478
$1,000 $1,294

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,478
50/100 $1,681
100/300 $1,803
250/500 $2,119
100 CSL $1,730
300 CSL $1,997
500 CSL $2,192

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Insurance Rates for High Risk Drivers
Age Premium
16 $7,922
20 $5,380
30 $3,240
40 $3,180
50 $3,032
60 $3,006

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.

SR-22 Surcharge $202

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $78
Multi-vehicle $77
Homeowner $23
5-yr Accident Free $104
5-yr Claim Free $95
Paid in Full/EFT $64
Advance Quote $71
Online Quote $104
Total Discounts $616
Rate after discounts $862

Discounts are estimated and may not be available from every company or in every state.

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