Dodge Ram Insurance Rates

Estimated insurance prices for a Dodge Ram are $1,456 every 12 months including full coverage. Comprehensive costs around $292, collision costs $484, and liability coverage is $500. Liability-only coverage costs around $560 a year, with high-risk coverage costing around $3,142. Teens pay the most at $5,544 a year or more.

Average premium for full coverage: $1,456

Premium estimates for type of coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for different Ram trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, rather than using averaged prices.

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

More Rate Information

The chart below breaks down estimated Dodge Ram insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $850
• Raising to $1,000 deductibles will save about $176 every year
• The average price for a 40-year-old good driver using $500 deductibles is $1,456
• Selecting more expensive low deductibles increases the price to $1,796
• Unlucky drivers with serious driving violations could pay at least $3,142 or more
• An auto insurance policy to insure a teenage driver with full coverage can be $5,544

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $520 a year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $450 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $5,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,700 to $2,400 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 130% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Dodge Ram insurance rates. A middle-age driver might find prices as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,080 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out your exact price is to compare prices and see how they stack up. Every auto insurance company calculates prices differently, so the prices will be substantially different.

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 Shop for Cheap Dodge Ram Insurance

Finding better rates on auto insurance consists of having a decent driving record, having good credit, refrain from filing small claims, and insuring your home and auto with the same company. Invest the time to compare rates at every other renewal by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The following items are a brief summary of the concepts that were presented in the illustrations above.

• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,690 more every year than a driver with a clean driving record
• 16 to 18-year-old drivers pay higher prices, with the cost nearing $462 per month if they have full coverage
• You may be able to save up to $170 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $525 each year
• You may be able to save up to $170 per year simply by shopping early and online