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...
Licensed Insurance Agent
UPDATED: Jun 8, 2024
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Estimated insurance rates for a Dodge Ram are $1,456 a year with full coverage. Comprehensive insurance costs around $292, collision costs $484, and liability coverage costs around $500. Liability-only insurance costs as low as $560 a year, with high-risk driver insurance costing $3,142 or more. Teen drivers pay the most at $5,544 a year or more.
Average premium for full coverage: $1,456
Premium estimates for type of coverage:
These estimates include $500 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for all Ram models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Dodge Ram go from the low end price of $560 for just the minimum liability insurance to the much higher price of $3,142 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than larger metro areas.
The example below illustrates how location helps determine auto insurance rates.
These rate differences demonstrate why everyone should compare prices for a specific zip code, rather than using price 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 Analysis
The chart below details estimated Dodge Ram insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $850
- Using higher $1,000 deductibles will save about $176 annually
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,456
- Choosing pricier low deductibles for physical damage coverage will cost an additional $340 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,142 or more
- An auto insurance policy that insures a teenage driver for full coverage can be $5,544 or more
Insurance prices for a Dodge Ram also have a wide range based on the model of your Ram, your age and driving habits, and deductibles and policy limits.
If you have a few violations or you caused an accident, you may be forking out at least $1,700 to $2,400 additional annually, depending on your age. Dodge Ram insurance for high-risk drivers can be around 43% to 130% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $5,500 a year. View Rates by Age
Where you choose to live has a huge impact on Dodge Ram insurance rates. A driver around age 40 might see prices as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,970 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,316 | -$140 | -9.6% |
| Alaska | $1,118 | -$338 | -23.2% |
| Arizona | $1,208 | -$248 | -17.0% |
| Arkansas | $1,456 | -$0 | 0.0% |
| California | $1,660 | $204 | 14.0% |
| Colorado | $1,390 | -$66 | -4.5% |
| Connecticut | $1,496 | $40 | 2.7% |
| Delaware | $1,648 | $192 | 13.2% |
| Florida | $1,822 | $366 | 25.1% |
| Georgia | $1,346 | -$110 | -7.6% |
| Hawaii | $1,044 | -$412 | -28.3% |
| Idaho | $986 | -$470 | -32.3% |
| Illinois | $1,082 | -$374 | -25.7% |
| Indiana | $1,098 | -$358 | -24.6% |
| Iowa | $984 | -$472 | -32.4% |
| Kansas | $1,382 | -$74 | -5.1% |
| Kentucky | $1,984 | $528 | 36.3% |
| Louisiana | $2,156 | $700 | 48.1% |
| Maine | $898 | -$558 | -38.3% |
| Maryland | $1,202 | -$254 | -17.4% |
| Massachusetts | $1,164 | -$292 | -20.1% |
| Michigan | $2,528 | $1,072 | 73.6% |
| Minnesota | $1,218 | -$238 | -16.3% |
| Mississippi | $1,744 | $288 | 19.8% |
| Missouri | $1,292 | -$164 | -11.3% |
| Montana | $1,564 | $108 | 7.4% |
| Nebraska | $1,148 | -$308 | -21.2% |
| Nevada | $1,746 | $290 | 19.9% |
| New Hampshire | $1,050 | -$406 | -27.9% |
| New Jersey | $1,628 | $172 | 11.8% |
| New Mexico | $1,286 | -$170 | -11.7% |
| New York | $1,534 | $78 | 5.4% |
| North Carolina | $838 | -$618 | -42.4% |
| North Dakota | $1,194 | -$262 | -18.0% |
| Ohio | $1,004 | -$452 | -31.0% |
| Oklahoma | $1,492 | $36 | 2.5% |
| Oregon | $1,334 | -$122 | -8.4% |
| Pennsylvania | $1,386 | -$70 | -4.8% |
| Rhode Island | $1,942 | $486 | 33.4% |
| South Carolina | $1,318 | -$138 | -9.5% |
| South Dakota | $1,228 | -$228 | -15.7% |
| Tennessee | $1,274 | -$182 | -12.5% |
| Texas | $1,754 | $298 | 20.5% |
| Utah | $1,076 | -$380 | -26.1% |
| Vermont | $996 | -$460 | -31.6% |
| Virginia | $872 | -$584 | -40.1% |
| Washington | $1,124 | -$332 | -22.8% |
| West Virginia | $1,334 | -$122 | -8.4% |
| Wisconsin | $1,008 | -$448 | -30.8% |
| Wyoming | $1,298 | -$158 | -10.9% |
Choosing high deductibles could cut prices by as much as $520 a year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $450 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out your exact price is to regularly compare prices and see how they stack up. Each insurance company uses a different rate calculation, and prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Ram Quad Cab ST 2WD | $1,306 | $109 |
| Dodge Ram Crew Cab ST 2WD | $1,354 | $113 |
| Dodge Ram Quad Cab SLT 2WD | $1,354 | $113 |
| Dodge Ram Quad Cab TRX4 Off Road 2WD | $1,354 | $113 |
| Dodge Ram Quad Cab ST 4WD | $1,380 | $115 |
| Dodge Ram Crew Cab SLT 2WD | $1,392 | $116 |
| Dodge Ram Crew Cab TRX 2WD | $1,392 | $116 |
| Dodge Ram Crew Cab ST 4WD | $1,420 | $118 |
| Dodge Ram Quad Cab SLT 4WD | $1,420 | $118 |
| Dodge Ram Crew Cab Sport 2WD | $1,456 | $121 |
| Dodge Ram Crew Cab SLT 4WD | $1,484 | $124 |
| Dodge Ram Crew Cab TRX 4WD | $1,484 | $124 |
| Dodge Ram Quad Cab Sport 2WD | $1,456 | $121 |
| Dodge Ram Quad Cab TRX4 Off Road 4WD | $1,484 | $124 |
| Dodge Ram Crew Cab Laramie 2WD | $1,496 | $125 |
| Dodge Ram Crew Cab Sport 4WD | $1,522 | $127 |
| Dodge Ram Quad Cab Laramie 2WD | $1,496 | $125 |
| Dodge Ram Quad Cab Sport 4WD | $1,522 | $127 |
| Dodge Ram Crew Cab Laramie 4WD | $1,558 | $130 |
| Dodge Ram Quad Cab Laramie 4WD | $1,558 | $130 |
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 | $332 | $536 | $450 | $1,498 |
| 2023 Dodge Ram | $320 | $524 | $470 | $1,494 |
| 2022 Dodge Ram | $310 | $502 | $486 | $1,478 |
| 2021 Dodge Ram | $292 | $484 | $500 | $1,456 |
| 2018 Dodge Ram | $258 | $380 | $520 | $1,338 |
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 Find Cheap Dodge Ram Insurance
Finding better rates on auto insurance requires not taking risks behind the wheel, having a good credit score, being claim-free, and taking advantage of discounts. Shop around at every policy renewal by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The following is a brief summary of the data covered in the charts and tables above.
- Consumers who may need higher liability limits will pay about $550 every year to increase from 30/60 bodily injury limits to the 250/500 level
- You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $525 each year
- Teens are charged the highest prices, possibly costing $462 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,544 |
| 20 | $3,344 |
| 30 | $1,508 |
| 40 | $1,456 |
| 50 | $1,332 |
| 60 | $1,306 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,796 |
| $250 | $1,640 |
| $500 | $1,456 |
| $1,000 | $1,280 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,456 |
| 50/100 | $1,658 |
| 100/300 | $1,783 |
| 250/500 | $2,108 |
| 100 CSL | $1,708 |
| 300 CSL | $1,983 |
| 500 CSL | $2,183 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,884 |
| 20 | $5,328 |
| 30 | $3,202 |
| 40 | $3,142 |
| 50 | $3,000 |
| 60 | $2,974 |
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 | $77 |
| Multi-vehicle | $77 |
| Homeowner | $23 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $62 |
| Advance Quote | $70 |
| Online Quote | $102 |
| Total Discounts | $606 |
Discounts are estimated and may not be available from every company or in every state.
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