Dodge Ram Insurance [How to Find Cheap Rates]

Average Dodge Ram auto insurance rates cost $1,524 a year, or around $127 a month. Mature drivers with good driving records may find rates as low as $896 a year.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 16, 2021

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Key takeaways:

  • Full coverage costs around $1,524 a year or $127 each month
  • A liability-only policy costs around $611 a year or $51 each month
  • Highest rates are for teenage drivers at around $5,570 a year or $464 each month
  • Good drivers can save as much as $628 a year by earning policy discounts
  • Dodge Ram insurance costs around $5 more per year than the average vehicle

Do you know what your Dodge Ram insurance rates should be? Full coverage for a Dodge Ram costs around $1,524 a year, or $127 each month. Read on to learn what factors affect your insurance rates for a Dodge Ram so that you can take advantage of as many savings as possible.

You can start comparing quotes for Dodge Ram car insurance rates from some of the best car insurance companies by using our free online tool now.

Dodge Ram Insurance Cost

The average Dodge Ram car insurance costs are $1,524 a year or $127 a month.

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Are Dodge Rams Expensive to Insure?

The chart below details how Dodge Ram insurance rates compare to other trucks like the Chevrolet Silverado, Toyota Tundra, and Ford Ranger.

Vehicle Comprehensive Collision Liability Total
Dodge Ram $362 $562 $420 $1,524
Chevrolet Silverado $322 $562 $420 $1,484
Toyota Tundra $320 $512 $440 $1,452
Ford Ranger $254 $470 $372 $1,254
Ford F-150 $322 $470 $372 $1,322
Honda Ridgeline $306 $536 $450 $1,472
GMC Canyon $270 $478 $398 $1,304
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However, there are a few things you can do to find the cheapest Dodge insurance rates online.

What Impacts the Cost of Dodge Ram Insurance?

The Dodge Ram trim and model you choose will affect the total price you will pay for Dodge Ram insurance coverage.

Age of the Vehicle

The average Dodge Ram auto insurance rates are higher for newer models. For example, auto insurance for a 2020 Dodge Ram costs $1,524, while 2010 Dodge Ram insurance costs are $1,266, a difference of $258.

Model Year Comprehensive Collision Liability Total
2020 Dodge Ram $362 $562 $420 $1,524
2019 Dodge Ram $346 $542 $440 $1,508
2018 Dodge Ram $332 $536 $450 $1,498
2017 Dodge Ram $320 $524 $470 $1,494
2016 Dodge Ram $310 $502 $486 $1,478
2015 Dodge Ram $292 $484 $500 $1,456
2014 Dodge Ram $282 $450 $510 $1,422
2013 Dodge Ram $270 $424 $514 $1,388
2012 Dodge Ram $258 $380 $520 $1,338
2011 Dodge Ram $242 $350 $520 $1,292
2010 Dodge Ram $234 $328 $524 $1,266
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Driver Age

Driver age can have a significant effect on Dodge Ram car insurance rates. As an example, a 30-year-old driver pays around $67 more each year for their Dodge Ram car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Dodge Ram insurance rates. For example, drivers in New York may pay $396 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on the cost of Dodge Ram car insurance. Teens and drivers in their 20’s see the highest jump in their Dodge Ram car insurance rates with violations on their driving record.

Dodge Ram Safety Ratings

Your Dodge Ram auto insurance rates are tied to the Dodge Ram’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front N/R
Side N/R
Roof strength N/R
Head restraints and seats N/R
Source: Insurance Institute for Highway Safety
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Dodge Ram Crash Test Ratings

Dodge Ram crash test ratings can impact the cost of your Dodge Ram car insurance. See Dodge Ram crash test results below:

Vehicle Tested Overall Frontal Side Rollover
Dodge Ram N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Dodge Ram Safety Features

Dodge Ram safety features can lower the cost of your insurance. The safety features for the 2020 Dodge Ram include:

  • Lane Departure Warning
  • Adaptive Cruise Control
  • Forward Collision Warning
  • Advanced Brake Assist
  • Parallel and Perpendicular Park Assist
  • Advanced Airbag Technology

Dodge Ram Finance and Insurance Cost

If you are financing a Dodge Ram, most lenders will require your carry higher Dodge Ram coverage options including comprehensive coverage, so be sure to shop around and compare Dodge Ram auto insurance quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Dodge Ram Insurance

There are several ways you can save even more on your Dodge Ram car insurance rates. Take a look at the following five tips:

  • Check the Odometer on Your Dodge Ram
  • Consider Renting a Car Instead of Buying a Second Dodge Ram
  • Make Sure You’re Raising a Safe Driver
  • Re-Check Dodge Ram Quotes Every 6 Months
  • Be Picky About Who Drives Your Dodge Ram

Top Dodge Ram Insurance Companies

The best auto insurance companies for Dodge Ram car insurance rates will offer competitive rates, discounts, and account for the Dodge Ram’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Start comparing Dodge Ram auto insurance quotes for free by using our FREE online comparison tool.

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