Dodge Ram Insurance Rates

U.S. average auto insurance rates for a Dodge Ram are $1,478 annually with full coverage. Comprehensive insurance costs on average $310, collision costs $502, and liability coverage costs around $486. A policy with just liability insurance costs as low as $548 a year, with coverage for high-risk drivers costing $3,180 or more. Teenage drivers pay the highest rates at $5,568 a year or more.

Average premium for full coverage: $1,478

Price estimates by individual coverage:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for all Ram models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on auto insurance rates. Rural areas have fewer collision claims than densely populated cities.

The example below illustrates the effect of geographic area on car insurance rates.

The ranges above demonstrate why everyone should compare prices based on a specific location and their own personal driving habits, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $862
• Using higher $1,000 deductibles will save around $184 annually
• The estimated rate for the average middle-age driver with $500 deductibles is $1,478
• Using pricier low deductibles for physical damage coverage costs an additional $354 each year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,180 or more
• The price with full coverage for a teenage driver for full coverage may cost $5,568 or more

View Chart as Image

Insurance prices for a Dodge Ram are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $5,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,700 to $2,400 extra each year, depending on your age. Dodge Ram insurance for high-risk drivers can be around 43% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $540 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $438 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Dodge Ram insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,990 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices may be quite different between companies.

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 Buy Cheap Dodge Ram Insurance

Getting lower rates on auto insurance requires being safe and accident-free, having a good credit history, avoid buying unnecessary coverage, and bundling your home and auto policies. Take the time to compare rates at every other renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a brief summary of the concepts that were covered in the above illustrations.

• Drivers that tend to have accidents or serious violations pay an average of $1,700 more each year than a low-risk driver
• Youthful drivers pay the highest prices, costing up to $464 a month including comprehensive and collision insurance
• You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $550 each year
• You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date