Dodge Ram Insurance Rates

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

Average premium for full coverage: $1,456

Premium estimates by type of coverage:

Price estimates include $500 deductible amounts, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Ram trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine car insurance rates.

These rate differences highlight why it is important to compare rates quotes based on a specific location, rather than relying on averaged prices.

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

More Rate Information

The chart below breaks down estimated Dodge Ram insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $850
• Raising to $1,000 deductibles will save around $1,280 every year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,456
• Selecting low $100 deductibles will cost an additional $340 a year
• Higher-risk drivers with serious driving violations could pay upwards of $3,142 or more
• An auto insurance policy that insures a teen driver may cost $5,544

View Chart as Image

Auto insurance prices for a Dodge Ram also have a wide range based on the trim level 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 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months 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 have to pay upwards of $5,500 a year. View Rates by Age

Where you choose to live also has a big influence on Dodge Ram insurance rates. A middle-age driver might find prices as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,080 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $520 each year, while buying higher liability limits 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 year. 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 get quotes from as many companies as possible. Every auto insurance company calculates prices differently, and quoted prices 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 Cheaper Dodge Ram Insurance

Finding better rates on Dodge Ram insurance consists of having a good driving record, maintaining a good credit score, refrain from filing small claims, and taking advantage of discounts. Compare rates every couple of years by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The next list is a condensed summary of the material that was covered in the charts and tables above.

• Drivers who require increased levels of liability coverage will pay approximately $550 per year to raise from 30/60 bodily injury limits to the 250/500 level
• Drivers age 20 and younger are charged the highest prices, with the cost nearing $462 per month if the policy includes full coverage
• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,690 more each year to buy Dodge Ram insurance
• Increasing policy deductibles can save approximately $525 each year