Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 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 right around the average cost with full coverage setting you back around $1,524 a year or $127 a month.

Good drivers can save up to $628 a year in policy discounts by practicing safe driving habits. 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 Chevrolet Silverado 3500HD, Toyota Tacoma, and Nissan Frontier.

Vehicle Comprehensive Collision Liability Total
Dodge Ram $362 $562 $420 $1,524
Chevrolet Silverado 3500HD $404 $656 $420 $1,660
Toyota Tacoma $294 $482 $390 $1,324
Nissan Frontier $294 $500 $420 $1,394
Chevrolet Silverado 2500HD $362 $688 $420 $1,650
Ford Ranger $254 $470 $372 $1,254
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 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
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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 as much as $1,931 more each year for their Dodge Ram auto 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 $930 a year more than drivers in Seattle.

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

Most drivers don’t realize that not only do Dodge Ram safety features play a vital role in keeping passengers safe in crashes, but they can also help lower 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 coverages including comprehensive coverage, so be sure to compare Dodge Ram car insurance rates from the best companies using our FREE tool below.

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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

Save more on your Dodge Ram car insurance rates. Take a look at the following five strategies that will get you the best Dodge Ram auto insurance rates possible.

  • Ask About Retiree Discounts
  • Buy An Older Dodge Ram
  • Ask Your Insurance Company About Dodge Ram Discounts
  • Buy Winter Tires for Your Dodge Ram
  • Ask About Discounts for People with Disabilities

Top Dodge Ram Insurance Companies

Who is the best 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 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
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Compare Free Dodge Ram Insurance Quotes Online

Start comparing Dodge Ram car insurance quotes for free by using our convenient online comparison tool.