Dodge Ram Insurance Rates

The average insurance rates for a Dodge Ram are $1,456 a year including full coverage. Comprehensive insurance costs an estimated $292, collision costs $484, and liability is estimated at $500. Buying just liability costs approximately $560 a year, with insurance for high-risk drivers costing $3,142 or more. Teen drivers cost the most to insure at $5,544 a year or more.

Average premium for full coverage: $1,456

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all Ram models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The example below illustrates the difference location can make on insurance prices.

The examples above highlight why everyone should get quotes for a targeted area, instead of making a decision based on price averages.

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

More Rate Information

The chart below breaks down estimated Dodge Ram insurance rates for other coverage scenarios.

• The lowest rate with discounts is $850
• Choosing higher $1,000 deductibles can save approximately $176 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,456
• Choosing pricier low deductibles for comp and collision coverage will cost an additional $340 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,142 or more
• Policy cost that insures a 16-year-old driver for full coverage can cost as much as $5,544 each year

View Chart as Image

Insurance rates for a Dodge Ram also range considerably based on the model of your Ram, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,700 to $2,400 extra every year, depending on your age. Dodge Ram insurance for high-risk drivers ranges from 43% to 130% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $5,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Dodge Ram insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,080 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $520 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $450 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates from multiple companies. Each auto insurer uses a different rate calculation, so the rates will be varied.

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 Cheaper Dodge Ram Insurance

Finding cheaper rates on insurance for a Dodge Ram takes avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Shop around every time your policy renews by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a condensed summary of the information touched on in this article.

• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
• Drivers under the age of 20 are charged the highest rates, with premiums being up to $462 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Drivers considered higher risk with multiple at-fault accidents could be charged and average of $1,690 more annually to insure a Dodge Ram
• Insureds who want increased liability limits will pay about $550 per year to raise limits from a 30/60 limit to the 250/500 level