Dodge Ram Insurance Rates

U.S. average insurance rates for a Dodge Ram are $1,478 a year with full coverage. Comprehensive costs approximately $310 a year, collision costs $502, and liability insurance costs around $486. Liability-only coverage costs as low 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 by individual coverage:

Price estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Ram trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of insurance. Rural locations have a lower frequency of collision claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance prices.

The ranges above demonstrate why it is important to compare prices using their specific location and risk profile, rather than relying on averaged prices.

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

Rate Comparisons

The chart below details estimated Dodge Ram insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $862
• Using higher $1,000 deductibles will save $1,294 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,478
• Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,832
• Drivers with serious driving violations could pay around $3,180 or more
• The price for full coverage for a teen driver can cost $5,568 or more

View Chart as Image

Auto insurance prices for a Dodge Ram are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles could pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay in the ballpark of $5,500 a year. View Rates by Age

The state you live in has a huge impact on Dodge Ram insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,990 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $540 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $438 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,400 in extra premium each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes from as many companies as possible. Each insurance company calculates prices differently, and quoted prices may be quite different from one company to the next.

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 Cheaper Dodge Ram Insurance

Getting lower rates on Dodge Ram insurance requires being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates at least once a year by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

Below is a condensed summary of the primary concepts that were presented in the illustrations above.

• You may be able to save around $180 per year simply by quoting early and online
• High-risk drivers with multiple at-fault accidents pay on average $1,700 more per year for auto insurance
• Increasing physical damage deductibles can save around $550 each year
• Teenage drivers have the highest car insurance prices, costing up to $464 a month if they have full coverage