Dodge Ram Insurance Rates

Estimated insurance rates for a Dodge Ram are $1,456 a year including full coverage. Comprehensive costs on average $292, collision costs $484, and liability insurance is estimated at $500. A policy with only liability insurance costs approximately $560 a year, with a high-risk policy costing around $3,142. Teenage drivers pay the most at $5,544 a year or more.

Average premium for full coverage: $1,456

Premium estimates by type of coverage:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Ram models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates the effect of geographic area on car insurance rates.

These rate differences highlight why everyone should get quotes based on a specific location, rather than relying on average rates.

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

Additional Charts and Tables

The chart below breaks down 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 every year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,456
• Using pricier low deductibles for comp and collision coverage bumps up the cost to $1,796
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,142 or more
• An auto insurance policy that insures a teen driver for full coverage may cost $5,544 each year

View Chart as Image

Car insurance prices for a Dodge Ram also have a wide range based on the model of your Ram, your driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,700 to $2,400 extra annually, depending on your age. Dodge Ram insurance for high-risk drivers ranges anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $5,500 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Dodge Ram insurance rates. A good driver about age 40 could pay as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,080 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $520 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $450 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially 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 Find Low Cost Dodge Ram Insurance

Finding better rates on Dodge Ram insurance takes avoiding accidents and claims, having a positive credit history, refrain from filing small claims, and maximizing policy discounts. Compare prices every other policy renewal by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.

The points below are a review of the ideas that were covered in the above illustrations.

• Drivers under the age of 20 are expensive to insure, with the cost nearing $462 per month if full coverage is purchased
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,690 more each year to insure a Dodge Ram
• Increasing policy deductibles can save approximately $525 each year
• You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date