Dodge Ram Insurance Rates

U.S. average insurance rates for a Dodge Ram are $1,456 a year for full coverage insurance. Comprehensive insurance costs on average $292 each year, 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. Teenage drivers pay the highest rates at $5,544 a year or more.

Average premium for full coverage: $1,456

Price estimates by individual coverage:

Estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Ram models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on insurance rates. Rural areas have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates how location impacts car insurance rates.

The ranges above illustrate why all drivers should get quotes based on a specific location and risk profile, instead of using average rates.

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

Additional Rate Details

The chart below illustrates 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 $176 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,456
• Using low deductibles for comp and collision coverage will cost an extra $340 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $3,142 or more
• The price for full coverage for a teen driver may cost $5,544 each year

View Chart as Image

Insurance prices for a Dodge Ram are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $5,500 a year. View Rates by Age

The state you live in 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 Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,970 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $520 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $450 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,700 to $2,400 additional each year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out exactly what you will pay is to do a rate comparison and see which company has the best price. Each auto insurer uses a different method to calculate prices, and prices may be quite different from one company to the next.

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 Low Cost Dodge Ram Insurance

Getting lower rates on car insurance takes being a safe and courteous driver, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Spend time shopping around at every other renewal by quoting rates from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

Below is a review of the concepts that were touched on above.

• Higher risk drivers who have several accidents or serious violations pay an average of $1,690 more each year for auto insurance
• Teenage drivers pay higher prices, as much as $462 a month including comprehensive and collision insurance
• It is possible to save as much as $170 per year simply by quoting online in advance
• Increasing physical damage deductibles can save around $525 each year
• It is possible to save as much as $170 per year simply by quoting online in advance