Dodge Ram Insurance Rates
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UPDATED: Jun 8, 2024
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U.S. average insurance prices for a Dodge Ram are $1,494 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $320 a year, collision costs $524, and liability costs around $470. Liability-only insurance costs as low as $536 a year, with high-risk driver insurance costing $3,218 or more. Teen drivers pay the highest rates at $5,598 a year or more.
Average premium for full coverage: $1,494
Price estimates by individual coverage:
Rate estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Ram trim levels.
Price Range from Low to High
For a 40-year-old driver, Dodge Ram insurance prices go from the cheapest price of $536 for the bare minimum liability coverage to a high of $3,218 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can have significant affects on the price of auto insurance. Rural locations have more infrequent physical damage claims than larger metro areas.
The diagram below illustrates how your location can change auto insurance prices.
The ranges above illustrate why it is important to compare prices using their specific location and their own driving history, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below illustrates estimated Dodge Ram insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $870
- Using higher $1,000 deductibles will save $1,302 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,494
- Choosing low $100 deductibles for physical damage coverage costs an extra $370 every year
- Drivers with multiple violations and an at-fault accident could pay around $3,218 or more
- The price to insure a teen driver can cost $5,598 or more
Car insurance prices for a Dodge Ram are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Ram.
Choosing high deductibles could cut prices by as much as $570 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $423 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as little as $1,400 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $5,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,800 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 135% more than average. View High Risk Driver Rates
The state you live in has a huge impact on Dodge Ram insurance prices. A driver around age 40 might see prices as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,020 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,350 | -$144 | -9.6% |
| Alaska | $1,146 | -$348 | -23.3% |
| Arizona | $1,240 | -$254 | -17.0% |
| Arkansas | $1,494 | -$0 | 0.0% |
| California | $1,702 | $208 | 13.9% |
| Colorado | $1,426 | -$68 | -4.6% |
| Connecticut | $1,536 | $42 | 2.8% |
| Delaware | $1,690 | $196 | 13.1% |
| Florida | $1,868 | $374 | 25.0% |
| Georgia | $1,380 | -$114 | -7.6% |
| Hawaii | $1,072 | -$422 | -28.2% |
| Idaho | $1,012 | -$482 | -32.3% |
| Illinois | $1,110 | -$384 | -25.7% |
| Indiana | $1,126 | -$368 | -24.6% |
| Iowa | $1,008 | -$486 | -32.5% |
| Kansas | $1,418 | -$76 | -5.1% |
| Kentucky | $2,038 | $544 | 36.4% |
| Louisiana | $2,212 | $718 | 48.1% |
| Maine | $922 | -$572 | -38.3% |
| Maryland | $1,232 | -$262 | -17.5% |
| Massachusetts | $1,192 | -$302 | -20.2% |
| Michigan | $2,592 | $1,098 | 73.5% |
| Minnesota | $1,250 | -$244 | -16.3% |
| Mississippi | $1,792 | $298 | 19.9% |
| Missouri | $1,324 | -$170 | -11.4% |
| Montana | $1,604 | $110 | 7.4% |
| Nebraska | $1,176 | -$318 | -21.3% |
| Nevada | $1,792 | $298 | 19.9% |
| New Hampshire | $1,076 | -$418 | -28.0% |
| New Jersey | $1,670 | $176 | 11.8% |
| New Mexico | $1,322 | -$172 | -11.5% |
| New York | $1,576 | $82 | 5.5% |
| North Carolina | $860 | -$634 | -42.4% |
| North Dakota | $1,222 | -$272 | -18.2% |
| Ohio | $1,032 | -$462 | -30.9% |
| Oklahoma | $1,532 | $38 | 2.5% |
| Oregon | $1,368 | -$126 | -8.4% |
| Pennsylvania | $1,424 | -$70 | -4.7% |
| Rhode Island | $1,994 | $500 | 33.5% |
| South Carolina | $1,354 | -$140 | -9.4% |
| South Dakota | $1,260 | -$234 | -15.7% |
| Tennessee | $1,306 | -$188 | -12.6% |
| Texas | $1,798 | $304 | 20.3% |
| Utah | $1,106 | -$388 | -26.0% |
| Vermont | $1,024 | -$470 | -31.5% |
| Virginia | $894 | -$600 | -40.2% |
| Washington | $1,152 | -$342 | -22.9% |
| West Virginia | $1,370 | -$124 | -8.3% |
| Wisconsin | $1,034 | -$460 | -30.8% |
| Wyoming | $1,330 | -$164 | -11.0% |
Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes and see which company has the best price. Each insurance company uses a different rate calculation, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Ram Quad Cab ST 2WD | $1,330 | $111 |
| Dodge Ram Crew Cab ST 2WD | $1,382 | $115 |
| Dodge Ram Quad Cab SLT 2WD | $1,382 | $115 |
| Dodge Ram Quad Cab TRX4 Off Road 2WD | $1,382 | $115 |
| Dodge Ram Quad Cab ST 4WD | $1,412 | $118 |
| Dodge Ram Crew Cab SLT 2WD | $1,424 | $119 |
| Dodge Ram Crew Cab TRX 2WD | $1,424 | $119 |
| Dodge Ram Crew Cab ST 4WD | $1,452 | $121 |
| Dodge Ram Quad Cab SLT 4WD | $1,452 | $121 |
| Dodge Ram Crew Cab Sport 2WD | $1,494 | $125 |
| Dodge Ram Crew Cab SLT 4WD | $1,522 | $127 |
| Dodge Ram Crew Cab TRX 4WD | $1,522 | $127 |
| Dodge Ram Quad Cab Sport 2WD | $1,494 | $125 |
| Dodge Ram Quad Cab TRX4 Off Road 4WD | $1,522 | $127 |
| Dodge Ram Crew Cab Laramie 2WD | $1,534 | $128 |
| Dodge Ram Crew Cab Sport 4WD | $1,564 | $130 |
| Dodge Ram Quad Cab Laramie 2WD | $1,534 | $128 |
| Dodge Ram Quad Cab Sport 4WD | $1,564 | $130 |
| Dodge Ram Crew Cab Laramie 4WD | $1,604 | $134 |
| Dodge Ram Quad Cab Laramie 4WD | $1,604 | $134 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Dodge Ram | $362 | $562 | $420 | $1,524 |
| 2023 Dodge Ram | $346 | $542 | $440 | $1,508 |
| 2022 Dodge Ram | $332 | $536 | $450 | $1,498 |
| 2021 Dodge Ram | $320 | $524 | $470 | $1,494 |
| 2018 Dodge Ram | $282 | $450 | $510 | $1,422 |
Rates are averaged for all Dodge Ram models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Dodge Ram Insurance
Getting lower rates on car insurance requires being a low-risk driver, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Invest the time to shop around at every policy renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The items below are a brief recap of the data illustrated above.
- Policyholders who purchase more liability coverage will pay about $520 annually to increase from a low limit to a 250/500 level
- It is possible to save around $180 per year simply by quoting early and online
- Increasing physical damage deductibles could save as much as $550 each year
- Teen drivers pay the highest auto insurance prices, as much as $467 a month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,598 |
| 20 | $3,424 |
| 30 | $1,552 |
| 40 | $1,494 |
| 50 | $1,364 |
| 60 | $1,338 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,864 |
| $250 | $1,694 |
| $500 | $1,494 |
| $1,000 | $1,302 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,494 |
| 50/100 | $1,698 |
| 100/300 | $1,816 |
| 250/500 | $2,121 |
| 100 CSL | $1,745 |
| 300 CSL | $2,004 |
| 500 CSL | $2,192 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,972 |
| 20 | $5,442 |
| 30 | $3,280 |
| 40 | $3,218 |
| 50 | $3,070 |
| 60 | $3,040 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $79 |
| Multi-vehicle | $77 |
| Homeowner | $23 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $96 |
| Paid in Full/EFT | $66 |
| Advance Quote | $72 |
| Online Quote | $105 |
| Total Discounts | $624 |
Discounts are estimated and may not be available from every company or in every state.
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