Dodge Ram Insurance Rates

The average insurance rates for a Dodge Ram are $1,456 a year for full coverage insurance. Comprehensive insurance costs approximately $292, collision insurance costs $484, and liability is estimated at $500. Liability-only insurance costs approximately $560 a year, and high-risk driver insurance costs $3,142 or more. Teens cost the most to insure at up to $5,544 a year.

Average premium for full coverage: $1,456

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all Ram models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The example below illustrates how location helps determine auto insurance prices.

The examples above illustrate why everyone should get quotes using their specific location and risk profile, instead of using 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
• Choosing higher $1,000 deductibles can save $176 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,456
• Selecting pricier low deductibles for comp and collision coverage will cost an extra $340 every year
• Unlucky drivers with serious driving violations could pay around $3,142
• Policy cost for full coverage for a teen driver for full coverage can cost $5,544 each year

View Chart as Image

Auto 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.

A more mature driver with a good driving record and high deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $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 $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 can save as much as $520 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $450 extra every year. 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 in extra premium every year, depending on your age. Dodge Ram insurance for high-risk drivers ranges as much as 43% to 130% more than the average policy. 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.

How to Find Cheap Dodge Ram Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having good credit, being claim-free, and possibly higher deductibles. Invest time comparing rates at least every other year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief summary of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,690 more per year for car insurance
• It is possible to save around $170 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $525 each year
• Policyholders who purchase higher liability limits will pay approximately $550 annually to raise limits from a 30/60 limit to 250/500 limits