Dodge Ram Insurance Rates
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Michelle Robbins
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UPDATED: Jun 8, 2024
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The average insurance rates for a Dodge Ram are $1,456 a year for full coverage. Comprehensive insurance costs approximately $292 each year, collision insurance costs $484, and liability is estimated at $500. Buying just liability costs approximately $560 a year, and insurance for high-risk drivers costs $3,142 or more. 16-year-old drivers cost the most to insure at up to $5,544 a year.
Average premium for full coverage: $1,456
Policy rates by type of insurance:
Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Ram models.
Price Range Variability
For a driver in their 40's, Dodge Ram insurance rates range from the low end price of $560 for the bare minimum liability coverage to a high rate of $3,142 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. Rural locations are shown to have lower incidents of accident claims than congested cities. The graphic below illustrates how location helps determine auto insurance prices.
The examples above show why all drivers should get quotes using their specific location, instead of making a decision based on 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 shows average Dodge Ram insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $850
- Choosing higher $1,000 deductibles can save $176 a year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,456
- Buying low deductibles for comp and collision coverage will cost an additional $340 annually
- Higher-risk drivers with multiple tickets or accidents could pay around $3,142
- Policy cost that insures a 16-year-old driver can cost $5,544 each year
Insurance rates for a Dodge Ram also range considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,700 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 130% more than the average rate. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,500 a year. View Rates by Age
Your home state plays a big part in determining prices for Dodge Ram insurance prices. A good driver about age 40 could pay as low as $960 a year in states like Iowa, Maine, and Idaho, or at least $2,080 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles can save as much as $520 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $450 more per year. View Rates by Deductible or Liability Limit
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 Low Cost Dodge Ram Insurance
Finding cheaper rates on insurance for a Dodge Ram takes being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Comparison shop every other policy renewal by getting quotes from direct carriers, and also from insurance agencies where you live.
Below is a review of the ideas that were covered in the charts and tables above.
- Teenage drivers are expensive to insure, costing up to $462 each month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,690 more per year for auto insurance
- Increasing comprehensive and collision deductibles can save approximately $525 each year
- Drivers can save around $170 per year just by quoting online in advance
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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