Dodge Ram Insurance Rates

Average insurance rates for a Dodge Ram are $1,478 a year for full coverage insurance. Comprehensive costs on average $310, collision costs $502, and liability costs around $486. Liability-only coverage costs as low as $548 a year, with high-risk coverage costing around $3,180. Teens receive the highest rates at $5,568 a year or more.

Average premium for full coverage: $1,478

Rate estimates by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

These examples illustrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $862
• Using higher $1,000 deductibles will save around $184 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,478
• Selecting more expensive low deductibles for physical damage coverage will increase the cost to $1,832
• Drivers with serious driving violations could pay upwards of $3,180 or more
• The cost for full coverage for a teen driver with full coverage may cost $5,568 or more

View Chart as Image

Car insurance rates for a Dodge Ram can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

An older driver with no driving violations and high deductibles may pay as little as $1,400 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $5,500 a year. View Rates by Age

Where you live has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see rates as low as $970 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,990 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $438 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,700 to $2,400 extra per year, depending on your age. High-risk driver insurance can be as much as 43% to 129% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Each insurance company calculates rates differently, so rate quotes can be significantly 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 More Affordable Dodge Ram Insurance

Saving money on car insurance requires avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates every couple of years by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The points below are a summary of the material that was covered above.

• Policyholders who require increased liability limits will pay approximately $540 annually to increase from a minimum limit to 250/500 limits
• Drivers under the age of 20 are expensive to insure, costing up to $464 per month if full coverage is included
• Higher risk drivers who have multiple accidents or major violations pay an average of $1,700 more each year to insure a Dodge Ram
• Increasing deductibles can save around $550 each year