Dodge Ram Insurance Rates

U.S. average auto insurance rates for a Dodge Ram are $1,478 annually for full coverage insurance. Comprehensive costs around $310 a year, collision costs $502, and liability costs $486. Liability-only coverage costs as little as $548 a year, with high-risk coverage costing around $3,180. Teens pay the highest rates at $5,568 a year or more.

Average premium for full coverage: $1,478

Price estimates for individual coverage:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Ram trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. Areas with sparse population have fewer physical damage claims than cities with more traffic congestion.

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

The ranges above illustrate why it is important to compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $862
• Drivers who choose higher $1,000 deductibles will pay about $1,294 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,478
• Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,832
• Drivers with serious driving violations could pay at least $3,180 or more
• The price with full coverage for a 16-year-old driver can be $5,568 a year

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Auto insurance prices for a Dodge Ram are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay as much as $5,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,700 to $2,400 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost from 43% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $540 annually, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $438 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Dodge Ram insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,990 on average in Michigan, New York, and Florida.

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Since prices can be so different, the only way to figure out your exact price is to get quotes from multiple companies. Every company calculates prices differently, and quoted prices may be quite different between companies.

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 Buy the Best Cheap Dodge Ram Insurance

Getting lower rates on insurance for a Dodge Ram not only requires being a good driver, but also having above-average credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates at least once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a quick review of the primary concepts that were covered in the above illustrations.

• It is possible to save up to $180 per year simply by quoting early and online
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,700 more every year than a safer driver
• Increasing physical damage deductibles could save up to $550 each year
• Drivers age 16 to 20 are expensive to insure, as much as $464 a month if full coverage is included