Dodge Ram Insurance Rates

U.S. average insurance rates for a Dodge Ram are $1,456 a year with full coverage. Comprehensive insurance costs around $292 each year, collision costs $484, and liability is estimated at $500. A policy with just liability insurance costs approximately $560 a year, with coverage for high-risk drivers costing $3,142 or more. Teenage drivers pay the highest rates at $5,544 a year or more.

Average premium for full coverage: $1,456

Price estimates for individual coverage:

These estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Ram models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on insurance rates. Areas with sparse population have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance rates.

The ranges above demonstrate why all drivers should get quotes for a specific zip code and risk profile, instead of using average rates.

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

Additional Rate Details

The chart below details estimated Dodge Ram insurance rates for additional coverage choices and driver risks.

• The best discount rate is $850
• Choosing higher $1,000 deductibles can save about $176 annually
• The average rate for the average middle-age driver using $500 deductibles is $1,456
• Using low deductibles for comp and collision coverage will cost an extra $340 every year
• Unlucky drivers who are prone to accidents and violations could pay at least $3,142 or more
• The price for full coverage for a teen driver can be $5,544 each year

View Chart as Image

Insurance prices for a Dodge Ram are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $5,500 a year. View Rates by Age

The state you live in plays a big part in determining prices for Dodge Ram insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,970 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $520 every year, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $450 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,700 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out your exact price is to do a rate comparison and see which company has the best price. Each auto insurer uses a different method to calculate prices, so the prices may be quite 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 Cheap Dodge Ram Insurance

Getting lower rates on car insurance takes being a low-risk driver, maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates every other policy renewal by quoting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The items below are a brief summary of the ideas that were presented in the illustrations above.

• Teen drivers pay higher prices, costing up to $462 a month for full coverage
• Higher risk drivers that tend to have accidents or serious violations pay an average of $1,690 more every year to insure their Ram
• Increasing physical damage deductibles can save around $525 each year
• You may be able to save up to $170 per year simply by quoting online in advance