Dodge Ram Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 8, 2024

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Estimated insurance rates for a Dodge Ram are $1,494 a year for full coverage insurance. Comprehensive insurance costs an estimated $320, collision insurance costs $524, and liability is $470. A policy with only liability insurance costs around $536 a year, and a high-risk policy costs $3,218 or more. Teenage drivers pay the most at up to $5,598 a year.

Average premium for full coverage: $1,494

Premium estimates broken down by type of coverage:

Comprehensive $320
Collision $524
Liability $470

Price estimates include $500 deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for all Ram models.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Dodge Ram range from as low as $536 for liability-only coverage to the much higher price of $3,218 for a driver required to buy high-risk insurance.

Liability Only $536
Full Coverage $1,494
High Risk $3,218

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities. The example below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $1,121
Small Cities $1,569
Large Cities $2,017

These rate differences illustrate why everyone should compare rates quotes for a targeted area and risk profile, instead of making a decision based on average rates.

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 Charts and Tables

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

  • The best discount rate is $870
  • Raising to $1,000 deductibles will save approximately $192 each year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,494
  • Using pricier low deductibles will cost an extra $370 annually
  • Drivers who are prone to accidents and violations could pay up to $3,218
  • An auto insurance policy for full coverage for a 16-year-old driver for full coverage can cost as much as $5,598

View Chart as Image

Dodge Ram insurance cost comparison chart
Column chart showing Dodge Ram insurance prices range from $870 to $5,598 for full coverage

Car insurance prices for a Dodge Ram also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged at least $5,500 a year. View Rates by Age

Where you choose to live also has a big influence on Dodge Ram insurance prices. A middle-age driver might find prices as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,020 on average in Florida, New York, and Michigan.

Dodge Ram Insurance Rates by State
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%

View Chart as Image

Dodge Ram insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $570 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $423 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,800 to $2,400 extra annually, depending on your age. Dodge Ram insurance for high-risk drivers is expensive and can cost from 43% to 135% more than a normal policy. View High Risk Driver Rates

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.

Dodge Ram Insurance Rates by Model Year
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 Find Cheaper Dodge Ram Insurance

Finding better rates on insurance for a Dodge Ram consists of not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Set aside time to compare rates at every policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a condensed summary of the data covered above.

  • Insureds who want higher liability limits will pay an extra $520 annually to raise from 30/60 bodily injury limits to 250/500 limits
  • It is possible to save approximately $180 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save around $550 each year
  • Teens have the highest car insurance prices, with premiums being up to $467 per month if full coverage is included

Rates by Driver Age

Dodge Ram Insurance 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

Dodge Ram Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,864
$250 $1,694
$500 $1,494
$1,000 $1,302

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Insurance Rates with Different Liability Limits
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

Dodge Ram Insurance 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.

SR-22 Surcharge $204

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
Rate after discounts $870

Discounts are estimated and may not be available from every company or in every state.

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