Dodge Ram Insurance Rates

Estimated insurance rates for a Dodge Ram are $1,456 a year with full coverage. Comprehensive insurance costs an estimated $292 a year, collision insurance costs $484, and liability costs around $500. A liability-only policy costs as low as $560 a year, and high-risk insurance costs $3,142 or more. Teenage drivers pay the most at up to $5,544 a year.

Average premium for full coverage: $1,456

Premium estimates broken down by type of coverage:

These estimates include $500 deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and Ram trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than densely populated cities. The diagram below illustrates how geographic area affects insurance prices.

These rate differences demonstrate why it is important to compare prices for a targeted area, instead of using average rates.

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

Additional Charts and Tables

The chart below details average Dodge Ram insurance rates for other coverage scenarios.

• The best discount rate is $850
• Using higher $1,000 deductibles will save approximately $1,280 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,456
• Using low $100 deductibles for physical damage coverage will cost an additional $340 every year
• Drivers who are prone to accidents and violations could pay up to $3,142
• An auto insurance policy that insures a teen driver can cost as much as $5,544 or more

View Chart as Image

Auto insurance prices for a Dodge Ram also have a wide range based on the trim level of your Ram, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,700 to $2,400 in extra premium annually, depending on your age. A high-risk auto insurance policy can be as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay at least $5,500 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,970 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $520 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $450 extra every year. View Rates by Deductible or Liability Limit

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 Cheap Dodge Ram Insurance

Finding better rates on car insurance requires not taking risks behind the wheel, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Compare prices at every policy renewal by getting quotes from direct companies, and also from insurance agencies where you live.

The following is a brief summary of the data presented in the illustrations above.

• Policyholders who want higher liability limits will pay an extra $550 every year to increase from 30/60 bodily injury limits to the 250/500 level
• You may be able to save approximately $170 per year just by quoting early and online
• Increasing policy deductibles can save approximately $525 each year
• Teens are the costliest to insure, possibly costing $462 per month if the policy includes full coverage