Dodge Ram Insurance Rates

Estimated insurance rates for a Dodge Ram are $1,456 a year for full coverage insurance. Comprehensive insurance costs approximately $292 each year, collision insurance costs $484, and liability insurance costs $500. A liability-only policy costs as little as $560 a year, and high-risk insurance costs $3,142 or more. Teens pay the most at up to $5,544 a year.

Average premium for full coverage: $1,456

Premium estimates by type of coverage:

Rates are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and Ram models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on auto insurance prices.

These rate differences illustrate why all drivers should compare rates using their specific location, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $850
• Drivers who choose higher $1,000 deductibles will pay $176 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,456
• Selecting low deductibles for comprehensive and collision insurance will cost an additional $340 a year
• High risk drivers with serious driving violations could pay around $3,142
• An auto insurance policy that insures a teen driver can cost $5,544 a year

View Chart as Image

Auto insurance prices for a Dodge Ram also have a wide range based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,700 to $2,400 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little 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 will have to pay in the ballpark of $5,500 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Ram insurance rates. A 40-year-old driver could pay as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,970 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $520 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $450 extra every year. View Rates by Deductible or Liability Limit

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 Best Cheap Dodge Ram Insurance

Finding better rates on Dodge Ram insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Compare rates at every other renewal by requesting quotes from direct insurance companies, and also from your local car insurance providers.

Below is a quick review of the concepts that were covered in the above illustrations.

• High-risk drivers with a DUI or reckless driving violation could be charged and average of $1,690 more per year for auto insurance
• Teenage drivers have the highest car insurance prices, with premiums being up to $462 per month if the policy includes full coverage
• It is possible to save around $170 per year just by quoting online in advance
• Increasing policy deductibles can save approximately $525 each year
• It is possible to save around $170 per year just by quoting online in advance