Dodge Ram Insurance Rates

Estimated insurance prices for a Dodge Ram are $1,456 every 12 months for full coverage insurance. Comprehensive insurance costs on average $292, collision costs $484, and liability coverage costs $500. Liability-only coverage costs as little as $560 a year, with high-risk coverage costing $3,142 or more. 16-year-old drivers pay the most at $5,544 a year or more.

Average premium for full coverage: $1,456

Premium estimates by type of coverage:

Includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for different Ram trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than congested cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than using rate averages.

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

Additional Charts and Tables

The chart below illustrates estimated Dodge Ram insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $850
• Drivers who choose higher $1,000 deductibles will pay around $176 each year
• The average price for a 40-year-old good driver with $500 deductibles is $1,456
• Buying more expensive low deductibles for comprehensive and collision insurance costs an extra $340 each year
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,142 or more
• An auto insurance policy to insure a teenage driver with full coverage may cost $5,544 a year

View Chart as Image

Insurance prices for a Dodge Ram also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Ram.

Opting for high physical damage deductibles could save up to $520 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $450 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay upwards of $5,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,400 extra annually, depending on your age. High-risk driver insurance can cost around 43% to 130% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Dodge Ram insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,970 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices and see how they stack up. Every company utilizes a different rate formula, so the prices will be substantially 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 Shop for the Cheapest Dodge Ram Insurance

Finding better rates on auto insurance not only requires being a low-risk driver, but also having good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Set aside time to shop around every time your policy renews by quoting rates from direct insurance companies, and also from several local insurance agents.

The items below are a recap of the information raised in the charts and tables above.

• It is possible to save as much as $170 per year simply by shopping early and online
• Teen drivers pay the highest prices, with premiums being up to $462 per month if they have full coverage
• Increasing policy deductibles could save as much as $525 each year
• Drivers that have major violations or accidents pay on average $1,690 more each year to insure their Ram
• Consumers who require more liability coverage will pay around $550 annually to go from 30/60 bodily injury limits to a 250/500 level