Dodge Ram Insurance Rates

The average insurance rates for a Dodge Ram are $1,456 a year for full coverage. Comprehensive insurance costs on average $292, collision costs $484, and liability coverage costs around $500. Buying just liability costs as low as $560 a year, with insurance for high-risk drivers costing $3,142 or more. Teenage 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:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all Ram models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than densely populated cities.

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

The examples above show why everyone should compare prices based on a specific location and risk profile, rather than using average rates.

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

Detailed Rate Analysis

The chart below shows 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 $176 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,456
• Using pricier low deductibles for physical damage coverage will cost an extra $340 each year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,142 or more
• Policy cost for full coverage for a teenage driver for full coverage may cost $5,544 or more

View Chart as Image

Insurance rates for a Dodge Ram also range considerably based on your risk profile, the trim level of your Ram, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $5,500 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $520 a year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $450 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,700 to $2,400 extra every year, depending on your age. Dodge Ram insurance for high-risk drivers can be around 43% to 130% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates will be varied 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 the Best Dodge Ram Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Take the time to comparison shop every time your policy renews by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

Below you'll find a brief recap of the information touched on in the above illustrations.

• Drivers can save as much as $170 per year simply by quoting online well ahead of the renewal date
• Youthful drivers pay the highest rates, costing up to $462 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $525 each year
• Drivers who tend to receive serious violations will pay on average $1,690 more each year than a low-risk driver
• Consumers who require more liability protection will pay an extra $550 each year to increase from a 30/60 limit to 250/500 limits