Dodge Ram Insurance Rates

U.S. average insurance prices for a Dodge Ram are $1,456 every 12 months for full coverage insurance. Comprehensive costs approximately $292 a year, collision costs $484, and liability is estimated at $500. Liability-only insurance costs approximately $560 a year, with high-risk driver insurance costing around $3,142. 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:

Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Ram trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of auto insurance. Rural locations have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

The ranges above illustrate why it is important to get quotes using their specific location and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $850
• Choosing higher $1,000 deductibles can save $1,280 each year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,456
• Using low $100 deductibles for comp and collision coverage increases the price to $1,796
• Unlucky drivers who are prone to accidents and violations could pay around $3,142 or more
• The price to insure a teen driver can cost $5,544 each year

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Car insurance prices for a Dodge Ram are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Ram.

Using high physical damage deductibles can save as much as $520 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $450 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged in the ballpark of $5,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

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

View Chart as Image

Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes and see which company has the best price. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different.

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 Shop for Cheaper Dodge Ram Insurance

Getting lower rates on car insurance takes being a low-risk driver, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Spend time shopping around at least once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a condensed summary of the primary concepts that were touched on above.

• It is possible to save around $170 per year simply by quoting early and online
• Higher risk drivers with multiple at-fault accidents may have to pay on average $1,690 more per year to insure their Ram
• Increasing physical damage deductibles could save as much as $525 each year
• Teen drivers pay the highest auto insurance prices, as much as $462 a month if the policy includes full coverage