Dodge Ram Insurance Rates

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

Average premium for full coverage: $1,456

Price estimates by individual coverage:

Includes $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different Ram trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how your location can change car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of making a decision based on 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 different risk profiles and scenarios.

• The cheapest rate after discounts is $850
• Raising to $1,000 deductibles will save around $176 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,456
• Selecting more expensive low deductibles will cost an extra $340 annually
• Drivers with serious driving violations could pay upwards of $3,142 or more
• The price for full coverage for a 16-year-old driver with full coverage may cost $5,544

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

An older driver with a clean driving record and high deductibles may pay as low as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $5,500 a year. View Rates by Age

The state you live in also has a big influence on Dodge Ram insurance prices. A middle-age driver might find prices 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.

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Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $520 annually, while increasing your policy's liability limits will cost you more. Switching 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 are probably paying at a minimum $1,700 to $2,400 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 130% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices from multiple companies. Every auto insurance company calculates prices differently, 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 the Cheapest Dodge Ram Insurance

Getting lower rates on insurance for a Dodge Ram consists of being safe and accident-free, maintaining good credit, not filing small claims, and bundling your home and auto policies. Invest the time to shop around at least once a year by quoting rates from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

Below you'll find a recap of the primary concepts that were illustrated above.

• It is possible to save as much as $170 per year simply by shopping early and online
• Drivers considered higher risk that have major violations or accidents pay an average of $1,690 more each year than a low-risk driver
• Increasing physical damage deductibles can save around $525 each year
• Youthful drivers pay the highest prices, as much as $462 a month for full coverage