Dodge Ram Insurance Rates

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2018 Dodge Ram Pickup 1500 Car Insurance Quotes in 2025

There isn't a single person who anticipates paying for auto insurance, especially when they are aware that they could get a better deal. With consumers having so many companies and agents to choose from, it can be hard to find the cheapest insurance company. This information will help educate you on how to get online quotes. If you have car insurance now, you stand a good chance to be able to lowe...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Jun 8, 2024

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The average insurance rates for a Dodge Ram are $1,478 a year for full coverage insurance. Comprehensive insurance costs approximately $310 a year, collision insurance costs $502, and liability coverage costs $486. A liability-only policy costs as little as $548 a year, and high-risk insurance costs $3,180 or more. Teen drivers cost the most to insure at up to $5,568 a year.

Average premium for full coverage: $1,478

Policy rates by type of insurance:

Comprehensive $310
Collision $502
Liability $486

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Ram trim levels.

Price Range Variability

Using a middle-aged driver as an example, Dodge Ram insurance rates range from as low as $548 for just liability insurance to a high of $3,180 for coverage for higher-risk drivers.

Liability Only $548
Full Coverage $1,478
High Risk $3,180

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates how where you live affects auto insurance prices.

Rural Areas $1,109
Small Cities $1,552
Large Cities $1,995

The examples above illustrate why it is important to compare rates using their specific location and risk profile, rather than using price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Details

The chart below illustrates average Dodge Ram insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $862
  • Drivers who choose higher $1,000 deductibles will pay $1,294 each year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,478
  • Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $354 each year
  • High-risk insureds with multiple violations and an at-fault accident could pay around $3,180
  • Policy cost for full coverage for a teenage driver can cost $5,568 a year

View Chart as Image

Dodge Ram insurance cost comparison chart
Column chart showing Dodge Ram insurance prices range from $862 to $5,568 for full coverage

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

Older drivers with no driving violations and high deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $5,500 a year. View Rates by Age

Your home state makes a big difference in Dodge Ram insurance rates. A 40-year-old driver could pay as low as $970 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,990 on average in Florida, New York, and Michigan.

Dodge Ram Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,334 -$144 -9.7%
Alaska $1,132 -$346 -23.4%
Arizona $1,224 -$254 -17.2%
Arkansas $1,478 -$0 0.0%
California $1,680 $202 13.7%
Colorado $1,410 -$68 -4.6%
Connecticut $1,516 $38 2.6%
Delaware $1,670 $192 13.0%
Florida $1,846 $368 24.9%
Georgia $1,364 -$114 -7.7%
Hawaii $1,058 -$420 -28.4%
Idaho $1,000 -$478 -32.3%
Illinois $1,098 -$380 -25.7%
Indiana $1,114 -$364 -24.6%
Iowa $994 -$484 -32.7%
Kansas $1,400 -$78 -5.3%
Kentucky $2,012 $534 36.1%
Louisiana $2,184 $706 47.8%
Maine $912 -$566 -38.3%
Maryland $1,218 -$260 -17.6%
Massachusetts $1,178 -$300 -20.3%
Michigan $2,562 $1,084 73.3%
Minnesota $1,234 -$244 -16.5%
Mississippi $1,768 $290 19.6%
Missouri $1,308 -$170 -11.5%
Montana $1,586 $108 7.3%
Nebraska $1,164 -$314 -21.2%
Nevada $1,770 $292 19.8%
New Hampshire $1,064 -$414 -28.0%
New Jersey $1,650 $172 11.6%
New Mexico $1,306 -$172 -11.6%
New York $1,554 $76 5.1%
North Carolina $850 -$628 -42.5%
North Dakota $1,210 -$268 -18.1%
Ohio $1,018 -$460 -31.1%
Oklahoma $1,514 $36 2.4%
Oregon $1,352 -$126 -8.5%
Pennsylvania $1,404 -$74 -5.0%
Rhode Island $1,968 $490 33.2%
South Carolina $1,338 -$140 -9.5%
South Dakota $1,246 -$232 -15.7%
Tennessee $1,290 -$188 -12.7%
Texas $1,776 $298 20.2%
Utah $1,090 -$388 -26.3%
Vermont $1,010 -$468 -31.7%
Virginia $882 -$596 -40.3%
Washington $1,138 -$340 -23.0%
West Virginia $1,352 -$126 -8.5%
Wisconsin $1,022 -$456 -30.9%
Wyoming $1,314 -$164 -11.1%

View Chart as Image

Dodge Ram insurance rates by U.S. city

Choosing high deductibles could save up to $540 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $438 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 129% more than average. View High Risk Driver Rates

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.

Dodge Ram Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Dodge Ram $346 $542 $440 $1,508
2023 Dodge Ram $332 $536 $450 $1,498
2022 Dodge Ram $320 $524 $470 $1,494
2021 Dodge Ram $310 $502 $486 $1,478
2018 Dodge Ram $270 $424 $514 $1,388

Rates are averaged for all Dodge Ram models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Dodge Ram Insurance

Finding cheaper rates on auto insurance not only requires having a decent driving record, but also having above-average credit, being claim-free, and attention to physical damage deductibles. Take the time to comparison shop at least once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief recap of the primary concepts that were touched on in the above illustrations.

  • It is possible to save around $180 per year just by quoting early and online
  • Drivers who tend to receive serious violations may pay on average $1,700 more per year than a driver with a clean driving record
  • Increasing comprehensive and collision deductibles can save around $550 each year
  • 16 to 18-year-old drivers pay the highest auto insurance rates, possibly costing $464 each month if full coverage is included

Rates by Driver Age

Dodge Ram Insurance Rates by Driver Age
Driver Age Premium
16 $5,568
20 $3,380
30 $1,530
40 $1,478
50 $1,350
60 $1,322

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,832
$250 $1,668
$500 $1,478
$1,000 $1,294

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,478
50/100 $1,681
100/300 $1,803
250/500 $2,119
100 CSL $1,730
300 CSL $1,997
500 CSL $2,192

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Insurance Rates for High Risk Drivers
Age Premium
16 $7,922
20 $5,380
30 $3,240
40 $3,180
50 $3,032
60 $3,006

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $202

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $78
Multi-vehicle $77
Homeowner $23
5-yr Accident Free $104
5-yr Claim Free $95
Paid in Full/EFT $64
Advance Quote $71
Online Quote $104
Total Discounts $616
Rate after discounts $862

Discounts are estimated and may not be available from every company or in every state.

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