Dodge Ram Insurance Rates

The average insurance rates for a Dodge Ram are $1,456 a year including full coverage. Comprehensive insurance costs approximately $292, 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. Teen 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:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Ram models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates how where you live affects auto insurance prices.

The examples above highlight why everyone should get quotes using their specific location, instead of making a decision based on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $850
• Choosing higher $1,000 deductibles can save $176 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,456
• Choosing pricier low deductibles for comp and collision coverage will cost an additional $340 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,142
• Policy cost that insures a 16-year-old driver for full coverage can cost $5,544 each year

View Chart as Image

Insurance rates for a Dodge Ram also range considerably based on the model of your Ram, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,700 to $2,400 extra every year, depending on your age. Dodge Ram insurance for high-risk drivers ranges from 43% to 130% more than average. View High Risk Driver Rates

A more mature driver 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 $1,120 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,080 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $520 annually, whereas buying more liability protection will push rates upward. Changing 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

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 cheaper rates on insurance for a Dodge Ram takes avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Shop around every couple of years by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The list below is a condensed summary of the material that was touched on in the above illustrations.

• Insureds who purchase higher liability limits will pay about $550 per year to raise limits from a 30/60 limit to the 250/500 level
• Teenagers are expensive to insure, with premiums being up to $462 each month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents will likely pay on average $1,690 more per year for car insurance
• Increasing comprehensive and collision deductibles can save approximately $525 each year