Compare Dodge Ram Insurance Rates [Cheap Coverage Guide]

Dodge Ram insurance costs $127/mo or $1,524/yr, making Dodge Ram insurance prices around $5 more/yr than the average vehicle. For teenage drivers, Dodge Ram insurance costs $464.17/mo or $5,570/yr, while drivers with good driving records can expect to save as much as $52.33/mo or $628/yr on Dodge Ram insurance prices.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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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

Dodge Ram insurance rates are slightly more than the average vehicle with full coverage around $1,524 a year or $127 a month. The highest rates are for teens who will pay about $5,570 a year or $464 a month as high-risk drivers with little experience behind the wheel.

Good drivers save up to $628 a year in policy discounts by remaining claim-free. Let’s take a look at Dodge Ram insurance rates, safety features, and more.

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 auto 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 GMC Canyon, GMC Sierra 3500HD, and GMC Sierra 2500HD.

Vehicle Comprehensive Collision Liability Total
Dodge Ram $362 $562 $420 $1,524
GMC Canyon $270 $478 $398 $1,304
GMC Sierra 3500HD $376 $656 $420 $1,632
GMC Sierra 2500HD $336 $656 $420 $1,592
Chevrolet Silverado $322 $562 $420 $1,484
Ford F-150 $322 $470 $372 $1,322
Chevrolet Silverado 2500HD $362 $688 $420 $1,650
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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 can impact the total price you will pay for Dodge Ram auto insurance coverage.

Age of the Vehicle

The average Dodge Ram auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Dodge Ram cost $1,524, while 2010 Dodge Ram rates 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 impact on the cost of Dodge Ram auto insurance. For example, 20-year-old drivers pay approximately $1,864 each year for their Dodge Ram auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Dodge Ram insurance rates. For example, drivers in Houston may pay $1,123 a year more than drivers in Columbus.

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 with violations on their driving record.

Dodge Ram Safety Features

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

  • Smart cruising
  • Guided parking
  • Lane departure warning–plus

Dodge Ram Finance and Insurance Cost

If you are financing a Dodge Ram, you will pay more if you purchase Dodge Ram car insurance at the dealership, so be sure to shop around and compare Dodge Ram car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Dodge Ram Insurance

Although it may seem like your Dodge Ram car insurance rates are set, there are a few measures that you can take to secure the best Dodge Ram car insurance rates possible. Take a look at the following five ways to save on Dodge Ram auto insurance.

  • Ask Your Insurance Company About Dodge Ram Discounts
  • Choose Automatic Payments or EFT for Your Dodge Ram Insurance Policy
  • Improve Your Credit Score
  • Tell Your Insurer About Different Drivers or Uses for Your Dodge Ram
  • Choose a Dodge Ram with Cheaper Repair Costs

Top Dodge Ram Insurance Companies

Several insurance companies offer competitive rates for the Dodge Ram based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Dodge Ram drivers organized by 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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Compare Free Dodge Ram Insurance Quotes Online

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

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