Dodge Ram Insurance Rates

The average insurance prices for a Dodge Ram are $1,456 every 12 months for full coverage insurance. Comprehensive costs around $292 a year, collision insurance costs $484, and liability costs around $500. Liability-only insurance costs as low as $560 a year, and high-risk driver insurance costs around $3,142. Teen drivers cost the most to insure at up to $5,544 a year.

Average premium for full coverage: $1,456

Policy rates for type of insurance:

Estimates include $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Ram trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than larger metro areas. The diagram below illustrates how your location can change auto insurance rates.

The examples above illustrate why it is important to compare prices for a specific zip code and their own driving history, instead of using price averages.

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

Additional Rate Analysis

The chart below illustrates average Dodge Ram insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $850
• Using higher $1,000 deductibles will save about $1,280 each year
• The average price for a good driver age 40 using $500 deductibles is $1,456
• Choosing low $100 deductibles for physical damage coverage increases the price to $1,796
• Drivers with multiple violations and an at-fault accident could pay at least $3,142
• Policy cost to insure a teen driver can be $5,544 or more

View Chart as Image

Auto insurance rates for a Dodge Ram also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Choosing high deductibles could cut rates by as much as $520 every year, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $450 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $5,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,700 to $2,400 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 130% more than average. View High Risk Driver Rates

Your home state has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see rates as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,970 on average in Michigan, New York, and Florida.

View Chart as Image

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 Shop for Low Cost Dodge Ram Insurance

Finding cheaper rates on car insurance requires having a good driving record, having a good credit score, being claim-free, and possibly raising deductibles. Invest the time to shop around every couple of years by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a review of the material that was illustrated above.

• Policyholders who may need increased levels of liability coverage will pay about $550 annually to increase from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger are expensive to insure, possibly costing $462 each month if comprehensive and collision insurance is included
• Higher risk drivers who have several accidents or serious violations may pay on average $1,690 more every year to buy Dodge Ram insurance
• Increasing comprehensive and collision deductibles could save as much as $525 each year