Dodge Ram Insurance Rates

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

Average premium for full coverage: $1,478

Price estimates broken down by individual coverage:

Rates are based on $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different Ram trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. More rural locations have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates for a targeted area, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $862
• Drivers who choose higher $1,000 deductibles will pay approximately $184 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,478
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $354 a year
• High risk drivers with serious driving violations could pay up to $3,180 or more
• The price that insures a teen driver with full coverage can cost as much as $5,568 a year

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

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

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $5,500 a year. View Rates by Age

The state you live in makes a big difference in Dodge Ram insurance rates. A 40-year-old driver could pay 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.

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Choosing higher comprehensive and collision insurance deductibles could save up to $540 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $438 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices from as many companies as possible. Every company calculates prices differently, and quoted prices may be quite 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 Find the Best Cheap Dodge Ram Insurance

Getting lower rates on Dodge Ram insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare rates at every other renewal by requesting quotes from direct companies, and also from insurance agencies where you live.

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

• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,700 more annually for Ram insurance
• Teens are the costliest to insure, costing up to $464 a month if the policy includes full coverage
• You may be able to save approximately $180 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $550 each year
• You may be able to save approximately $180 per year simply by shopping early and online