Dodge Ram Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 8, 2024
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The average auto insurance rates for a Dodge Ram are $1,478 annually including full coverage. Comprehensive costs on average $310 each year, collision insurance costs $502, and liability coverage costs $486. Liability-only insurance costs as little as $548 a year, and high-risk driver insurance costs around $3,180. 16-year-old drivers cost the most to insure at up to $5,568 a year.
Average premium for full coverage: $1,478
Policy rates by type of insurance:
Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Ram models.
Price Range Variability
For the average 40-year-old driver, Dodge Ram insurance rates range from as cheap as $548 for the bare minimum liability coverage to a high rate of $3,180 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Your location has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates the difference location can make on car insurance rates.
The examples above highlight why all drivers should compare rates based on a specific location and their own personal driving habits, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below breaks down average Dodge Ram insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $862
- Drivers who choose higher $1,000 deductibles will pay around $184 every year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,478
- Buying low deductibles for comprehensive and collision insurance will cost $1,832
- High-risk insureds with multiple tickets or accidents could pay upwards of $3,180
- Policy cost with full coverage for a teenage driver may cost $5,568 a year
Auto insurance rates for a Dodge Ram also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $5,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,700 to $2,400 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $540 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $438 extra every year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Dodge Ram insurance rates. A 40-year-old driver could pay as low as $1,130 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,100 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,334 | -$144 | -9.7% |
| Alaska | $1,132 | -$346 | -23.4% |
| Arizona | $1,224 | -$254 | -17.2% |
| Arkansas | $1,478 | -$0 | 0.0% |
| California | $1,680 | $202 | 13.7% |
| Colorado | $1,410 | -$68 | -4.6% |
| Connecticut | $1,516 | $38 | 2.6% |
| Delaware | $1,670 | $192 | 13.0% |
| Florida | $1,846 | $368 | 24.9% |
| Georgia | $1,364 | -$114 | -7.7% |
| Hawaii | $1,058 | -$420 | -28.4% |
| Idaho | $1,000 | -$478 | -32.3% |
| Illinois | $1,098 | -$380 | -25.7% |
| Indiana | $1,114 | -$364 | -24.6% |
| Iowa | $994 | -$484 | -32.7% |
| Kansas | $1,400 | -$78 | -5.3% |
| Kentucky | $2,012 | $534 | 36.1% |
| Louisiana | $2,184 | $706 | 47.8% |
| Maine | $912 | -$566 | -38.3% |
| Maryland | $1,218 | -$260 | -17.6% |
| Massachusetts | $1,178 | -$300 | -20.3% |
| Michigan | $2,562 | $1,084 | 73.3% |
| Minnesota | $1,234 | -$244 | -16.5% |
| Mississippi | $1,768 | $290 | 19.6% |
| Missouri | $1,308 | -$170 | -11.5% |
| Montana | $1,586 | $108 | 7.3% |
| Nebraska | $1,164 | -$314 | -21.2% |
| Nevada | $1,770 | $292 | 19.8% |
| New Hampshire | $1,064 | -$414 | -28.0% |
| New Jersey | $1,650 | $172 | 11.6% |
| New Mexico | $1,306 | -$172 | -11.6% |
| New York | $1,554 | $76 | 5.1% |
| North Carolina | $850 | -$628 | -42.5% |
| North Dakota | $1,210 | -$268 | -18.1% |
| Ohio | $1,018 | -$460 | -31.1% |
| Oklahoma | $1,514 | $36 | 2.4% |
| Oregon | $1,352 | -$126 | -8.5% |
| Pennsylvania | $1,404 | -$74 | -5.0% |
| Rhode Island | $1,968 | $490 | 33.2% |
| South Carolina | $1,338 | -$140 | -9.5% |
| South Dakota | $1,246 | -$232 | -15.7% |
| Tennessee | $1,290 | -$188 | -12.7% |
| Texas | $1,776 | $298 | 20.2% |
| Utah | $1,090 | -$388 | -26.3% |
| Vermont | $1,010 | -$468 | -31.7% |
| Virginia | $882 | -$596 | -40.3% |
| Washington | $1,138 | -$340 | -23.0% |
| West Virginia | $1,352 | -$126 | -8.5% |
| Wisconsin | $1,022 | -$456 | -30.9% |
| Wyoming | $1,314 | -$164 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Ram Quad Cab ST 2WD | $1,318 | $110 |
| Dodge Ram Crew Cab ST 2WD | $1,370 | $114 |
| Dodge Ram Quad Cab SLT 2WD | $1,370 | $114 |
| Dodge Ram Quad Cab TRX4 Off Road 2WD | $1,370 | $114 |
| Dodge Ram Quad Cab ST 4WD | $1,398 | $117 |
| Dodge Ram Crew Cab SLT 2WD | $1,410 | $118 |
| Dodge Ram Crew Cab TRX 2WD | $1,410 | $118 |
| Dodge Ram Crew Cab ST 4WD | $1,438 | $120 |
| Dodge Ram Quad Cab SLT 4WD | $1,438 | $120 |
| Dodge Ram Crew Cab Sport 2WD | $1,478 | $123 |
| Dodge Ram Crew Cab SLT 4WD | $1,506 | $126 |
| Dodge Ram Crew Cab TRX 4WD | $1,506 | $126 |
| Dodge Ram Quad Cab Sport 2WD | $1,478 | $123 |
| Dodge Ram Quad Cab TRX4 Off Road 4WD | $1,506 | $126 |
| Dodge Ram Crew Cab Laramie 2WD | $1,516 | $126 |
| Dodge Ram Crew Cab Sport 4WD | $1,544 | $129 |
| Dodge Ram Quad Cab Laramie 2WD | $1,516 | $126 |
| Dodge Ram Quad Cab Sport 4WD | $1,544 | $129 |
| Dodge Ram Crew Cab Laramie 4WD | $1,584 | $132 |
| Dodge Ram Quad Cab Laramie 4WD | $1,584 | $132 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Dodge Ram | $346 | $542 | $440 | $1,508 |
| 2023 Dodge Ram | $332 | $536 | $450 | $1,498 |
| 2022 Dodge Ram | $320 | $524 | $470 | $1,494 |
| 2021 Dodge Ram | $310 | $502 | $486 | $1,478 |
| 2018 Dodge Ram | $270 | $424 | $514 | $1,388 |
Rates are averaged for all Dodge Ram models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Affordable Dodge Ram Insurance
Finding cheaper rates on auto insurance not only requires being a good driver, but also having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Make time to compare rates at least once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a brief review of the primary concepts that were touched on in this article.
- You may be able to save as much as $180 per year just by quoting online in advance
- Drivers with DUI or reckless driving convictions pay on average $1,700 more each year than a safer driver
- Increasing comprehensive and collision deductibles could save up to $550 each year
- Drivers age 16 to 20 are charged the highest rates, with premiums being up to $464 each month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,568 |
| 20 | $3,380 |
| 30 | $1,530 |
| 40 | $1,478 |
| 50 | $1,350 |
| 60 | $1,322 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,832 |
| $250 | $1,668 |
| $500 | $1,478 |
| $1,000 | $1,294 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,478 |
| 50/100 | $1,681 |
| 100/300 | $1,803 |
| 250/500 | $2,119 |
| 100 CSL | $1,730 |
| 300 CSL | $1,997 |
| 500 CSL | $2,192 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,922 |
| 20 | $5,380 |
| 30 | $3,240 |
| 40 | $3,180 |
| 50 | $3,032 |
| 60 | $3,006 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $78 |
| Multi-vehicle | $77 |
| Homeowner | $23 |
| 5-yr Accident Free | $104 |
| 5-yr Claim Free | $95 |
| Paid in Full/EFT | $64 |
| Advance Quote | $71 |
| Online Quote | $104 |
| Total Discounts | $616 |
Discounts are estimated and may not be available from every company or in every state.
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