Dodge Ram Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

By clicking, you agree to our Terms of Use

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Jun 8, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average insurance prices for a Dodge Ram are $1,456 every 12 months including full coverage. Comprehensive insurance costs an estimated $292, collision insurance costs $484, and liability costs $500. A liability-only policy costs as little as $560 a year, and high-risk insurance costs $3,142 or more. Teenage drivers cost the most to insure at up to $5,544 a year.

Average premium for full coverage: $1,456

Policy rates broken down by type of insurance:

Comprehensive $292
Collision $484
Liability $500

Rates are based on $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different Ram trim levels.

Price Range Variability

Using a middle-aged driver as an example, Dodge Ram insurance rates range from the cheapest price of $560 for the bare minimum liability coverage to a much higher rate of $3,142 for high-risk insurance.

Liability Only $560
Full Coverage $1,456
High Risk $3,142

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates how where you live affects insurance prices.

Rural Areas $1,092
Small Cities $1,529
Large Cities $1,966

The examples above highlight why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of using average rates.

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.

By clicking, you agree to our Terms of Use

Additional Rate Information

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

  • The best discount rate is $850
  • Drivers who choose higher $1,000 deductibles will pay approximately $176 every year
  • The average price for a good driver age 40 who has $500 deductibles is $1,456
  • Using more expensive low deductibles for comprehensive and collision insurance costs an extra $340 every year
  • Higher-risk drivers who are prone to accidents and violations could pay up to $3,142
  • Policy cost to insure a teen driver with full coverage can cost as much as $5,544 a year

View Chart as Image

Dodge Ram insurance cost comparison chart
Column chart showing Dodge Ram insurance prices range from $850 to $5,544 for full coverage

Car insurance rates for a Dodge Ram also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could save up to $520 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $450 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $5,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Dodge Ram insurance prices. A 40-year-old driver could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,080 on average in Louisiana, New York, and Michigan.

Dodge Ram Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,316 -$140 -9.6%
Alaska $1,118 -$338 -23.2%
Arizona $1,208 -$248 -17.0%
Arkansas $1,456 -$0 0.0%
California $1,660 $204 14.0%
Colorado $1,390 -$66 -4.5%
Connecticut $1,496 $40 2.7%
Delaware $1,648 $192 13.2%
Florida $1,822 $366 25.1%
Georgia $1,346 -$110 -7.6%
Hawaii $1,044 -$412 -28.3%
Idaho $986 -$470 -32.3%
Illinois $1,082 -$374 -25.7%
Indiana $1,098 -$358 -24.6%
Iowa $984 -$472 -32.4%
Kansas $1,382 -$74 -5.1%
Kentucky $1,984 $528 36.3%
Louisiana $2,156 $700 48.1%
Maine $898 -$558 -38.3%
Maryland $1,202 -$254 -17.4%
Massachusetts $1,164 -$292 -20.1%
Michigan $2,528 $1,072 73.6%
Minnesota $1,218 -$238 -16.3%
Mississippi $1,744 $288 19.8%
Missouri $1,292 -$164 -11.3%
Montana $1,564 $108 7.4%
Nebraska $1,148 -$308 -21.2%
Nevada $1,746 $290 19.9%
New Hampshire $1,050 -$406 -27.9%
New Jersey $1,628 $172 11.8%
New Mexico $1,286 -$170 -11.7%
New York $1,534 $78 5.4%
North Carolina $838 -$618 -42.4%
North Dakota $1,194 -$262 -18.0%
Ohio $1,004 -$452 -31.0%
Oklahoma $1,492 $36 2.5%
Oregon $1,334 -$122 -8.4%
Pennsylvania $1,386 -$70 -4.8%
Rhode Island $1,942 $486 33.4%
South Carolina $1,318 -$138 -9.5%
South Dakota $1,228 -$228 -15.7%
Tennessee $1,274 -$182 -12.5%
Texas $1,754 $298 20.5%
Utah $1,076 -$380 -26.1%
Vermont $996 -$460 -31.6%
Virginia $872 -$584 -40.1%
Washington $1,124 -$332 -22.8%
West Virginia $1,334 -$122 -8.4%
Wisconsin $1,008 -$448 -30.8%
Wyoming $1,298 -$158 -10.9%

View Chart as Image

Dodge Ram insurance rates by U.S. city

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 $332 $536 $450 $1,498
2023 Dodge Ram $320 $524 $470 $1,494
2022 Dodge Ram $310 $502 $486 $1,478
2021 Dodge Ram $292 $484 $500 $1,456
2018 Dodge Ram $258 $380 $520 $1,338

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 Shop for the Best Cheap Dodge Ram Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Take the time to comparison shop every couple of years by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a quick review of the material that was touched on in the above illustrations.

  • Policyholders who want an increased level of liability coverage will pay an extra $550 per year to go from a 30/60 limit to a 250/500 level
  • Drivers age 16 to 20 have the highest car insurance rates, with premiums being up to $462 each month if the policy includes full coverage
  • Higher risk drivers with a DUI or reckless driving violation may have to pay on average $1,690 more annually than a safer driver
  • Increasing comprehensive and collision deductibles could save as much as $525 each year

Rates by Driver Age

Dodge Ram Insurance Rates by Driver Age
Driver Age Premium
16 $5,544
20 $3,344
30 $1,508
40 $1,456
50 $1,332
60 $1,306

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,796
$250 $1,640
$500 $1,456
$1,000 $1,280

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,456
50/100 $1,658
100/300 $1,783
250/500 $2,108
100 CSL $1,708
300 CSL $1,983
500 CSL $2,183

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Insurance Rates for High Risk Drivers
Age Premium
16 $7,884
20 $5,328
30 $3,202
40 $3,142
50 $3,000
60 $2,974

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 $200

Potential Rate Discounts

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

Discount Savings
Multi-policy $77
Multi-vehicle $77
Homeowner $23
5-yr Accident Free $102
5-yr Claim Free $93
Paid in Full/EFT $62
Advance Quote $70
Online Quote $102
Total Discounts $606
Rate after discounts $850

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

Compare Rates and Save

Find companies with the cheapest rates in your area

By clicking, you agree to our Terms of Use

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles