Dodge Ram Insurance Rates

Estimated insurance rates for a Dodge Ram are $1,456 a year for full coverage. Comprehensive insurance costs an estimated $292 a year, collision insurance costs $484, and liability is estimated at $500. Liability-only coverage costs approximately $560 a year, and high-risk coverage costs $3,142 or more. Teenage drivers pay the most at up to $5,544 a year.

Average premium for full coverage: $1,456

Premium estimates broken down by type of coverage:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and Ram trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than densely populated cities. The diagram below illustrates how geographic area affects insurance prices.

These rate differences show why it is important to get quotes for a targeted area, instead of using average rates.

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

Additional Rate Information

The chart below shows average Dodge Ram insurance rates for other coverage scenarios.

• The best discount rate is $850
• Choosing higher $1,000 deductibles can save approximately $1,280 a year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,456
• Using low $100 deductibles for comp and collision coverage will cost an additional $340 every year
• Unlucky drivers who are prone to accidents and violations could pay up to $3,142
• An auto insurance policy that insures a teen driver can cost as much as $5,544 each year

View Chart as Image

Insurance prices for a Dodge Ram also have a wide range based on the trim level of your Ram, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may 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 can expect to pay at least $5,500 a year. View Rates by Age

Where you choose to live 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 be forced to pay as much as $2,080 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $520 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $450 more per year. View Rates by Deductible or Liability Limit

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 Cheap Dodge Ram Insurance

Finding better rates on car insurance takes avoiding accidents and violations, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Compare prices every other policy renewal by quoting rates from direct carriers, and also from your local independent and exclusive agents.

The list below is a brief summary of the ideas that were presented in the illustrations above.

• Teenagers are charged the highest prices, as much as $462 per month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,690 more annually for car insurance
• Increasing policy deductibles can save approximately $525 each year
• Drivers can save approximately $170 per year just by quoting early and online