Dodge Ram Insurance Rates

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

Average premium for full coverage: $1,456

Policy rates by type of insurance:

Rate 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 Ram trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location impacts car insurance rates.

The examples above highlight why it is important to get quotes based on a specific location, rather than using average rates.

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 different risk profiles and scenarios.

• The best discount rate is $850
• Choosing higher $1,000 deductibles can save around $1,280 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,456
• Using low $100 deductibles for comp and collision coverage will cost an additional $340 each year
• Drivers who are prone to accidents and violations could pay upwards of $3,142 or more
• Policy cost that insures a teenage driver may cost $5,544 each year

View Chart as Image

Car insurance rates for a Dodge Ram also range considerably based on the trim level of your Ram, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $5,500 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles can save as much as $520 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $450 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate rates, so rate quotes 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 the Best Dodge Ram Insurance

Finding cheaper rates on auto insurance takes being safe and accident-free, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices every time your policy renews by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a brief recap of the information touched on above.

• You may be able to save as much as $170 per year simply by quoting early and online
• Youthful drivers are expensive to insure, with premiums being up to $462 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Drivers who tend to receive serious violations could be forced to pay on average $1,690 more each year than a low-risk driver
• Consumers who require more liability protection will pay an extra $550 per year to raise limits from a 30/60 limit to the 250/500 level