Dodge Ram Insurance Rates

The average auto insurance rates for a Dodge Ram are $1,456 annually for full coverage. Comprehensive insurance costs on average $292 each year, collision costs $484, and liability costs around $500. A liability-only policy costs as low as $560 a year, with high-risk insurance costing $3,142 or more. Teen drivers cost the most to insure at $5,544 a year or more.

Average premium for full coverage: $1,456

Policy rates by type of insurance:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Ram models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have fewer accident claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The examples above show why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $850
• Using higher $1,000 deductibles will save around $176 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,456
• Choosing low deductibles for physical damage coverage costs an additional $340 annually
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,142 or more
• Policy cost with full coverage for a 16-year-old driver may cost $5,544 or more

View Chart as Image

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

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $5,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,700 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers can be from 43% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $520 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $450 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see rates as low as $960 a year in states like Idaho, Maine, and Iowa, or as much as $2,080 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, so rate quotes will be varied between companies.

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 Buy Cheap Dodge Ram Insurance

Finding cheaper rates on insurance for a Dodge Ram requires being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

Below you'll find a brief summary of the data covered above.

• Insureds who require more liability protection will pay about $550 each year to increase from a 30/60 limit to higher 250/500 limits
• Drivers can save as much as $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Youthful drivers are expensive to insure, costing up to $462 each month if comprehensive and collision insurance is included