Dodge Ram Insurance Rates

Estimated insurance rates for a Dodge Ram are $1,456 a year for full coverage. Comprehensive costs around $292, collision costs $484, and liability costs $500. Liability-only insurance costs as little as $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:

Includes $500 deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different Ram trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on auto insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates for a specific zip code, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $850
• Drivers who choose higher $1,000 deductibles will pay about $176 a year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,456
• Selecting more expensive low deductibles for comprehensive and collision insurance 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 16-year-old driver with full coverage can be $5,544 a year

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Insurance prices for a Dodge Ram also have a wide range based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,700 to $2,400 additional annually, depending on your age. High-risk driver insurance can cost from 43% to 130% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 per year 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 makes a big difference in Dodge Ram insurance prices. A 40-year-old driver could pay as low as $960 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,080 on average in Michigan, Louisiana, and New York.

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Choosing higher comprehensive and collision insurance deductibles could save up to $520 annually, while increasing your policy's liability limits will increase prices. Going 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 know your exact price is to compare prices from multiple companies. Every company 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 the Cheapest Dodge Ram Insurance

Finding better rates on insurance for a Dodge Ram not only requires not taking risks behind the wheel, but also having a good credit score, not filing small claims, and taking advantage of discounts. Compare rates every couple of years by getting quotes from direct carriers, and also from several local insurance agents.

The following is a recap of the material that was touched on in this article.

• Insureds who may need higher liability limits will pay approximately $550 each year to go from 30/60 bodily injury limits to the 250/500 level
• Teens are charged the highest prices, as much as $462 per month if comprehensive and collision insurance is included
• Drivers considered higher risk that have major violations or accidents pay on average $1,690 more every year for Ram insurance
• Increasing policy deductibles can save approximately $525 each year