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Dodge Ram Insurance Rates [Coverage Guide]

The average Dodge Ram insurance rates are around $127 a month, but you should compare Dodge Ram insurance quotes online before buying a policy. Follow this guide for a comparison of Dodge Ram insurance costs against Ford and GMC to make sure you are getting a fair quote on your Dodge Ram insurance price.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 31, 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 very slightly more than the average vehicle with full coverage costing around $1,524 a year or $127 a month. Good drivers can save up to $628 a year in policy discounts by remaining claim-free. Let’s dig into 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 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 GMC Sierra 2500HD, Toyota Tacoma, and Ford Ranger.

Vehicle Comprehensive Collision Liability Total
Dodge Ram $362 $562 $420 $1,524
GMC Sierra 2500HD $336 $656 $420 $1,592
Toyota Tacoma $294 $482 $390 $1,324
Ford Ranger $254 $470 $372 $1,254
Ford F-150 $322 $470 $372 $1,322
Chevrolet Silverado $322 $562 $420 $1,484
Chevrolet Silverado 3500HD $404 $656 $420 $1,660

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?

You might have noticed that there is a multitude of factors that impact Dodge Ram car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Dodge Ram.

Age of the Vehicle

The average Dodge Ram car insurance rates are higher for newer models. For example, car 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

Driver Age

Driver age can have a significant effect on the cost of Dodge Ram car insurance. For example, 30-year-old drivers pay approximately $67 more for their Dodge Ram car insurance than 40-year-old drivers.

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 Features

The Dodge Ram safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Dodge Ram auto insurance rates. The Dodge Ram’s safety features include:

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

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 car insurance rates from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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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.

  • Use a Service Like Turo to Rent Out Your Dodge Ram
  • Use Paperless Billing for Your Dodge Ram Insurance Policy
  • Buy a Dodge Ram with an Anti-Theft Device
  • Work with a Direct Insurer Instead of an Insurance Broker for Your Dodge Ram
  • Ask About Dodge Ram Low Mileage Discounts

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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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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