Dodge Ram Insurance Rates

Estimated insurance rates for a Dodge Ram are $1,456 a year including full coverage. Comprehensive insurance costs on average $292 a 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. Teenage drivers pay the most at $5,544 a year or more.

Average premium for full coverage: $1,456

Premium estimates by type of coverage:

Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 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. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how where you live affects car insurance rates.

These rate differences highlight why it is important to compare prices based on a specific location, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $850
• Using higher $1,000 deductibles will save around $1,280 every year
• The estimated price for a 40-year-old good driver with $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 upwards of $3,142 or more
• An auto insurance policy that insures a teen driver may cost $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 driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $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 upwards of $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 $1,120 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,080 on average in Michigan, New York, and Louisiana.

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 cost you more. Changing 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

With such a large range in prices, the best way to figure out exactly what you will pay is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially 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 Dodge Ram Insurance

Finding better rates on car insurance requires being a safe and courteous driver, maintaining a good credit score, refrain from filing small claims, and taking advantage of discounts. Compare prices every other policy renewal by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

Below is a brief recap of the ideas that were touched on in the above illustrations.

• Teenage drivers are charged the highest prices, with the cost nearing $462 per month if the policy includes full coverage
• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,690 more each year for auto insurance
• Increasing policy deductibles can save approximately $525 each year
• You may be able to save as much as $170 per year simply by quoting early and online