Dodge Ram Car Insurance [Rates + Coverage Guide]

Insurance rates for a Dodge Ram average $1,524 a year, or around $127 a month. Teens pay the highest rates at up to $5,570 a year, while good drivers may only pay $896.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 30, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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

Comparing Dodge Ram car insurance rates can be confusing if you don’t know what a fair policy looks like.

That’s why you should know that average Dodge Ram rates amount to $1,524 per year, or $127 a month. If you want minimum coverage, a liability-only policy costs drivers an average of $611 a year, or $51 each month.

Use this helpful article to serve as a reference point while shopping for Dodge Ram insurance rates because it contains everything you need to know.

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 rates are $1,524 a year or $127 a month.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Are Dodge Rams Expensive to Insure?

The chart below details how Dodge Ram insurance rates compare to other trucks like the Chevrolet Silverado, Ford F-150, and GMC Sierra 3500HD.

Vehicle Comprehensive Collision Liability Total
Dodge Ram $362 $562 $420 $1,524
Chevrolet Silverado $322 $562 $420 $1,484
Ford F-150 $322 $470 $372 $1,322
GMC Sierra 3500HD $376 $656 $420 $1,632
Toyota Tacoma $294 $482 $390 $1,324
GMC Canyon $270 $478 $398 $1,304
Honda Ridgeline $306 $536 $450 $1,472
Compare RatesStart Now →

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 insurance coverage.

Age of the Vehicle

Older Dodge Ram models generally cost less to insure. For example, auto insurance rates for a 2020 Dodge Ram are $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
Compare RatesStart Now →

Driver Age

Driver age can have a significant impact on Dodge Ram auto insurance rates. For instance, a 30-year-old driver may pay $67 more each year for Dodge Ram auto 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 Los Angeles may pay $218 a year more than drivers in Houston.

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 Ratings

Your Dodge Ram car insurance rates are tied to the safety ratings of the Dodge Ram. See the breakdown below:

Test Type Rating
Moderate overlap front Good
Side Good
Roof strength Marginal
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
Compare RatesStart Now →

Dodge Ram Crash Test Ratings

Good Dodge Ram crash test ratings mean the VW is safer, which could mean cheaper Dodge Ram car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
Dodge Ram 5 Stars 5 Stars N/R 4 Stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
Compare RatesStart Now →

Dodge Ram Safety Features

Good Dodge Ram safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Dodge Ram are:

  • Brake assist
  • Electronic stability program
  • Driver/front passenger multistage airbags
  • Front seat side-impact airbags
  • Front side curtain airbags
  • Front/rear side curtain airbags
  • Front-passenger occupant-classification system
  • Front seat belt height adjusters
  • Child safety door locks
  • Tire pressure monitor w/warning lamp

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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

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.

  • Take Advantage of Referral Fees
  • Audit Your Dodge Ram Driving When You Move to a New Location or Start a New Job
  • Tell Your Insurer About Different Drivers or Uses for Your Dodge Ram
  • Ask About Retiree Discounts
  • Take a Defensive Driving Course or Any Driver’s Education Course

Top Dodge Ram Insurance Companies

Who is the top auto insurance company for Dodge Ram insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Dodge Ram auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Dodge Ram offers.

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
Compare RatesStart Now →

Compare Free Dodge Ram Insurance Quotes Online

To start comparing Dodge Ram car insurance quotes for free, use our online car insurance comparison tool.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State