Dodge Ram Insurance Rates

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

Average premium for full coverage: $1,456

Rate estimates by individual coverage type:

Estimates include $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different Ram trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how your location can change auto insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below breaks down estimated Dodge Ram insurance rates for additional coverage and risk scenarios.

• The best discount rate is $850
• Raising to $1,000 deductibles will save $176 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,456
• Using more expensive low deductibles will cost an extra $340 annually
• Drivers who are prone to accidents and violations could pay around $3,142 or more
• The cost for full coverage for a 16-year-old driver with full coverage can cost $5,544

View Chart as Image

Insurance rates for a Dodge Ram can also vary considerably based on your driver profile, the model of your Ram, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as low as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $5,500 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $520 annually, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $450 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,400 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, so the rates can be significantly 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.

How to Find Low Cost Dodge Ram Insurance

Saving money on insurance for a Dodge Ram consists of having a good driving record, maintaining good credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around at least every other year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The next list is a review of the car insurance concepts illustrated above.

• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,690 more per year to buy Dodge Ram insurance
• You may be able to save around $170 per year simply by shopping early and online
• Increasing deductibles can save around $525 each year
• Insureds who purchase increased levels of liability coverage will pay an extra $550 per year to raise from a minimum limit to 250/500 limits