Dodge Ram Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 8, 2024
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U.S. average insurance prices for a Dodge Ram are $1,456 every 12 months for full coverage insurance. Comprehensive costs around $292, collision insurance costs $484, and liability insurance is estimated at $500. A policy with just liability insurance costs approximately $560 a year, and coverage for high-risk drivers costs around $3,142. 16-year-old drivers pay the highest rates at up to $5,544 a year.
Average premium for full coverage: $1,456
Price estimates for individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all Ram models.
Price Range from Low to High
For the average 40-year-old driver, Dodge Ram insurance prices range from the cheapest price of $560 for just the minimum liability insurance to the much higher price of $3,142 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city has a significant impact on car insurance rates. Areas with sparse population have more infrequent physical damage claims than congested cities. The example below illustrates the difference location can make on auto insurance rates.
The ranges above illustrate why everyone should get quotes for a specific zip code and their own driving history, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below illustrates average Dodge Ram insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $850
- Choosing higher $1,000 deductibles can save about $176 each year
- The average price for the average middle-age driver using $500 deductibles is $1,456
- Buying pricier low deductibles for comp and collision coverage increases the price to $1,796
- High-risk insureds with multiple tickets or accidents could pay at least $3,142
- The price to insure a teen driver for full coverage can be $5,544 each year
Insurance prices for a Dodge Ram are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $520 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $450 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles could pay as little as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $5,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,700 to $2,400 extra each year, depending on your age. Dodge Ram insurance for high-risk drivers ranges anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Dodge Ram insurance rates. A good driver about age 40 could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,970 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,316 | -$140 | -9.6% |
| Alaska | $1,118 | -$338 | -23.2% |
| Arizona | $1,208 | -$248 | -17.0% |
| Arkansas | $1,456 | -$0 | 0.0% |
| California | $1,660 | $204 | 14.0% |
| Colorado | $1,390 | -$66 | -4.5% |
| Connecticut | $1,496 | $40 | 2.7% |
| Delaware | $1,648 | $192 | 13.2% |
| Florida | $1,822 | $366 | 25.1% |
| Georgia | $1,346 | -$110 | -7.6% |
| Hawaii | $1,044 | -$412 | -28.3% |
| Idaho | $986 | -$470 | -32.3% |
| Illinois | $1,082 | -$374 | -25.7% |
| Indiana | $1,098 | -$358 | -24.6% |
| Iowa | $984 | -$472 | -32.4% |
| Kansas | $1,382 | -$74 | -5.1% |
| Kentucky | $1,984 | $528 | 36.3% |
| Louisiana | $2,156 | $700 | 48.1% |
| Maine | $898 | -$558 | -38.3% |
| Maryland | $1,202 | -$254 | -17.4% |
| Massachusetts | $1,164 | -$292 | -20.1% |
| Michigan | $2,528 | $1,072 | 73.6% |
| Minnesota | $1,218 | -$238 | -16.3% |
| Mississippi | $1,744 | $288 | 19.8% |
| Missouri | $1,292 | -$164 | -11.3% |
| Montana | $1,564 | $108 | 7.4% |
| Nebraska | $1,148 | -$308 | -21.2% |
| Nevada | $1,746 | $290 | 19.9% |
| New Hampshire | $1,050 | -$406 | -27.9% |
| New Jersey | $1,628 | $172 | 11.8% |
| New Mexico | $1,286 | -$170 | -11.7% |
| New York | $1,534 | $78 | 5.4% |
| North Carolina | $838 | -$618 | -42.4% |
| North Dakota | $1,194 | -$262 | -18.0% |
| Ohio | $1,004 | -$452 | -31.0% |
| Oklahoma | $1,492 | $36 | 2.5% |
| Oregon | $1,334 | -$122 | -8.4% |
| Pennsylvania | $1,386 | -$70 | -4.8% |
| Rhode Island | $1,942 | $486 | 33.4% |
| South Carolina | $1,318 | -$138 | -9.5% |
| South Dakota | $1,228 | -$228 | -15.7% |
| Tennessee | $1,274 | -$182 | -12.5% |
| Texas | $1,754 | $298 | 20.5% |
| Utah | $1,076 | -$380 | -26.1% |
| Vermont | $996 | -$460 | -31.6% |
| Virginia | $872 | -$584 | -40.1% |
| Washington | $1,124 | -$332 | -22.8% |
| West Virginia | $1,334 | -$122 | -8.4% |
| Wisconsin | $1,008 | -$448 | -30.8% |
| Wyoming | $1,298 | -$158 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Ram Quad Cab ST 2WD | $1,306 | $109 |
| Dodge Ram Crew Cab ST 2WD | $1,354 | $113 |
| Dodge Ram Quad Cab SLT 2WD | $1,354 | $113 |
| Dodge Ram Quad Cab TRX4 Off Road 2WD | $1,354 | $113 |
| Dodge Ram Quad Cab ST 4WD | $1,380 | $115 |
| Dodge Ram Crew Cab SLT 2WD | $1,392 | $116 |
| Dodge Ram Crew Cab TRX 2WD | $1,392 | $116 |
| Dodge Ram Crew Cab ST 4WD | $1,420 | $118 |
| Dodge Ram Quad Cab SLT 4WD | $1,420 | $118 |
| Dodge Ram Crew Cab Sport 2WD | $1,456 | $121 |
| Dodge Ram Crew Cab SLT 4WD | $1,484 | $124 |
| Dodge Ram Crew Cab TRX 4WD | $1,484 | $124 |
| Dodge Ram Quad Cab Sport 2WD | $1,456 | $121 |
| Dodge Ram Quad Cab TRX4 Off Road 4WD | $1,484 | $124 |
| Dodge Ram Crew Cab Laramie 2WD | $1,496 | $125 |
| Dodge Ram Crew Cab Sport 4WD | $1,522 | $127 |
| Dodge Ram Quad Cab Laramie 2WD | $1,496 | $125 |
| Dodge Ram Quad Cab Sport 4WD | $1,522 | $127 |
| Dodge Ram Crew Cab Laramie 4WD | $1,558 | $130 |
| Dodge Ram Quad Cab Laramie 4WD | $1,558 | $130 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Dodge Ram | $332 | $536 | $450 | $1,498 |
| 2023 Dodge Ram | $320 | $524 | $470 | $1,494 |
| 2022 Dodge Ram | $310 | $502 | $486 | $1,478 |
| 2021 Dodge Ram | $292 | $484 | $500 | $1,456 |
| 2018 Dodge Ram | $258 | $380 | $520 | $1,338 |
Rates are averaged for all Dodge Ram models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for More Affordable Dodge Ram Insurance
Getting lower rates on Dodge Ram insurance takes having a decent driving record, having good credit, not filing small claims, and dropping full coverage on older vehicles. Make time to compare rates every other policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a summary of the ideas that were touched on in this article.
- 16 to 18-year-old drivers pay higher prices, as much as $462 a month if they have full coverage
- High-risk drivers who have multiple accidents or major violations may pay on average $1,690 more every year than a driver with a clean driving record
- Increasing physical damage deductibles could save as much as $525 each year
- It is possible to save up to $170 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,544 |
| 20 | $3,344 |
| 30 | $1,508 |
| 40 | $1,456 |
| 50 | $1,332 |
| 60 | $1,306 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,796 |
| $250 | $1,640 |
| $500 | $1,456 |
| $1,000 | $1,280 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,456 |
| 50/100 | $1,658 |
| 100/300 | $1,783 |
| 250/500 | $2,108 |
| 100 CSL | $1,708 |
| 300 CSL | $1,983 |
| 500 CSL | $2,183 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,884 |
| 20 | $5,328 |
| 30 | $3,202 |
| 40 | $3,142 |
| 50 | $3,000 |
| 60 | $2,974 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $77 |
| Homeowner | $23 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $62 |
| Advance Quote | $70 |
| Online Quote | $102 |
| Total Discounts | $606 |
Discounts are estimated and may not be available from every company or in every state.
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