Dodge Ram Insurance Rates

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UPDATED: Jun 8, 2024

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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:

Comprehensive $292
Collision $484
Liability $500

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

For the average driver, Dodge Ram insurance prices go from as low as $560 for minimum levels of liability insurance to a high rate of $3,142 for a driver who requires high-risk insurance.

Liability Only $560
Full Coverage $1,456
High Risk $3,142

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.

Rural Areas $1,092
Small Cities $1,529
Large Cities $1,966

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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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

Dodge Ram insurance cost comparison chart
Column chart showing full coverage Dodge Ram insurance prices range from $850 to $5,544

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.

Dodge Ram Insurance Rates by State
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%

View Chart as Image

Dodge Ram insurance rates by U.S. city

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.

Dodge Ram Insurance Rates by Model Year
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 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

Rates by Driver Age

Dodge Ram Insurance 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

Dodge Ram Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,796
$250 $1,640
$500 $1,456
$1,000 $1,280

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
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

Dodge Ram Insurance 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.

SR-22 Surcharge $200

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
Rate after discounts $850

Discounts are estimated and may not be available from every company or in every state.

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