Dodge Ram Insurance Rates

Estimated insurance rates for a Dodge Ram are $1,456 a year for full coverage insurance. Comprehensive costs around $292 a year, collision costs $484, and liability coverage is estimated at $500. Liability-only insurance costs approximately $560 a year, with high-risk driver insurance costing around $3,142. Teens pay the most at $5,544 a year or more.

Average premium for full coverage: $1,456

Premium estimates for type of coverage:

Estimates include $500 physical damage deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and Ram trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance rates.

These rate differences illustrate why it is important to get quotes for a specific zip code, rather than using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $850
• Choosing higher $1,000 deductibles can save about $1,280 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,456
• Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,796
• Drivers with serious driving violations could pay at least $3,142 or more
• An auto insurance policy that insures a teenage driver can be $5,544 each year

View Chart as Image

Insurance prices for a Dodge Ram also have a wide range based on the trim level of your Ram, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,700 to $2,400 additional annually, depending on your age. A high-risk auto insurance policy ranges around 43% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $5,500 a year. View Rates by Age

Where you choose to live 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 have to pay at least $1,970 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $520 a year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $450 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out your exact price is to get quotes and see how they stack up. Each auto insurer calculates prices differently, and 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 Low Cost Dodge Ram Insurance

Finding better rates on auto insurance takes being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Compare rates every couple of years by quoting rates from direct insurance companies, and also from insurance agencies where you live.

Below is a review of the material that was covered in the above illustrations.

• Consumers who may need higher levels of liability will pay approximately $550 annually to raise limits from 30/60 bodily injury limits to the 250/500 level
• Teenage drivers are charged the highest prices, with premiums being up to $462 per month if comprehensive and collision insurance is included
• Drivers who have several accidents or serious violations could be forced to pay on average $1,690 more every year for auto insurance
• Increasing policy deductibles can save approximately $525 each year