Best Car Insurance for Dodge Ram 1500 2022

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Best insurance for Dodge Ram 1500

One of the biggest factors determining your auto insurance rates is the model of car you drive. When setting your insurance premiums, providers consider how much it will cost them to replace or repair your vehicle.
Within each make, insurance premiums will vary as well because each model will have a different price, safety rating, and reliability standard—all of which impact your car insurance premiums.
Jerry is the insurance broker app that helps people save money on their car insurance quickly and easily.
Drivers save as much as 36% per year insuring their Dodge Ram 1500 when they switch insurance providers with Jerry.
Want more proof? Here are some real quotes for Dodge Ram 1500 drivers after switching with Jerry.
Quote DateZip CodeStateCityAgeInsurance Company
Before Jerry
After Jerry
2021-07-1577008TXHouston30Allstate$2,124$768
2021-07-2834428FLCrystal River24Mercury$3,456$1,716
2021-07-0819401PANorristown21AAA$4,800$948
2021-09-2870003LAMetairie34Progressive$1,620$1,380
2021-09-1577703TXBeaumont22Mercury$4,611$3,084
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

How much does it cost to insure a Dodge Ram 1500

The average annual cost to insure a Dodge Ram 1500 is $2,553, which is $784 lower than the average annual cost to insure Dodges. The base cost of your vehicle will make an impact on your insurance rates—in general, a more expensive car will have higher coverage costs.
The price of your premiums also is impacted by what coverage you choose.
No-fault states require you to carry personal injury protection, as well. This coverage kicks in to pay for your party’s medical bills and lost income no matter who caused the accident.
Other states may mandate uninsured motorist coverage which will cover your costs if you are in an accident with an uninsured or underinsured driver.
Most states also require varying amounts of liability insurance, which covers damage to other drivers (bodily injury liability) and their cars (property damage liability) if you are at fault in an accident.

Insurance coverage to consider for a Dodge Ram 1500

While the mandatory liability coverage will be the cheapest option to insure your Ram 1500, it’s a good idea to carry more than the minimum insurance.
Most drivers will opt for full-coverage insurance, which will further protect you and your car if you’re in an accident or your car is damaged by another event.
Full-coverage insurance includes: Collision coverage, which pays for damage to your vehicle that happens as a result of an accident with another vehicle or stationary object Comprehensive coverage, which pays for damages not due to a collision, such as vandalism or severe weather

What determines your car insurance cost for a Dodge Ram 1500

In addition to the car you drive and the policy you choose, other factors will have a major impact on your monthly premiums. Providers will consider your demographics, as well as features specific to your vehicle when determining your rates.
Here are some factors that may impact your auto insurance premiums.

Your age

The cost of insurance for a Dodge Ram 1500 will vary depending on your age. In general, drivers will have higher auto insurance premiums than older drivers because of their lack of driving experience and the higher accident rate for drivers under 25. That said, teenage drivers will see higher insurance rates for a Dodge Ram 1500 than 20-year-old drivers as costs will continue to decrease as drivers gain experience. Here are average costs of insurance for Jerry customers who drive a Dodge Ram 1500:
Age Groups
Average Cost
Annual Savings with Jerry
18-20$2,834$1,180
21-24$1,753$534
25-34$2,490$925
35-44$2,787$1,139
45-54$2,045$638
55-64$1,808$618

The year of your car

Not only does your age impact the rate you pay for your car insurance premiums, but your car’s age also is a factor. Because cars depreciate over time—generally losing 60% of their value in the first five years—the cost of car insurance premiums for a Dodge Ram 1500 will be lower for an older car. These are real quotes Jerry has found for drivers of a Dodge Ram 1500 based on model year:
Model year
Average Cost
Annual Savings with Jerry
2011$3,370$1,252
2010$3,152$1,211
2009$2,820$792
2007$4,056$2,130
2002$2,269$879
2001$1,405$370
2000$2,197$1,062
1999$2,699$1,176
1998$1,938$573
1997$1,666$654

Your carrier

While all insurance companies will consider similar factors when setting your car insurance premiums, each provider uses its own formula to set your rates. Therefore, you can find drastically different premiums depending on the provider—even for the exact same coverage. It’s smart to compare policies from multiple providers before purchasing insurance so you know you’re always getting the best price for the coverage you need. Here are quotes for Jerry users who drive a Dodge Ram 1500 with different carriers:
Insurance company
Average Cost
Annual Savings with Jerry
Nationwide$4,037$2,657
Electric$3,041$1,630
Plymouth Rock$2,756$1,313
National General$2,748$1,248
ClearCover$2,729$1,186
Allstate$2,281$815
Assurance America$1,884$804
Mercury$1,800$590
Dairyland$1,375$306
Infinity$1,404$283

Trim levels and vehicle materials

The Dodge Ram 1500 comes in several trim levels—versions of the same car with different features—and opting for a higher trim could mean you’re getting a car with more premium features.
However, those upgrades will come at an extra cost. Not only will the cost of your vehicle be higher, but premium qualities—like a flashy infotainment system, higher horsepower engine, or luxury finishings—will raise your insurance costs, as well. Furthermore, some features—like an upgraded sound system—will require their own insurance policy in case of damage, theft, or vandalism.
If you’re looking to save money on car insurance, it may be a good idea to stick to the base trim for a Dodge Ram 1500.

How can I save money when insuring my Dodge Ram 1500

Dodge Ram 1500s are slightly more expensive than most other trucks in its class to insure, but that doesn’t mean it’s impossible to find reasonable insurance rates. Whether you’re buying a new Ram or insuring one you already own, here are a few tips to keep in mind.

Comparison shop

The usual starting point for this particular journey is comparison shopping, but that tends to be a long and tedious trip. It involves submitting the necessary information to every carrier, over and over again, and then actively comparing the quotes. On your own, it’s a long, boring, and arduous process.
So why do that to yourself when Jerry can handle the process for you? It’s what Jerry was built to do. As a fully licensed brokerage app, Jerry gathers the information that carriers require, and submits it on your behalf, so you only have to enter it once.
You’ll quickly receive quotes from up to 50 providers tailored to your specifications so that you can easily take your pick. And once you’ve found the one, Jerry finalizes all the necessary paperwork and cancels your old policy if needed.
When your policy is up for renewal, Jerry continues to look for cheap insurance rates so that you can save even more. Jerry never stops working for you!
Key Takeaway Use Jerry to help you comparison-shop for insurance quickly and easily, without the repetition of requesting quotes from different companies.

Opt for a lower trim level

The Dodge Ram 1500 is a working truck at its core, and it’s important to keep that in mind when looking at expensive trim levels that offer features that you don’t necessarily need. Be sure to determine what features are practical necessities, not novelties that you can live without.
The more optional features you add on, the more expensive your insurance is going to become. Strike the right balance by focusing on what you need rather than what you want.

Invest in anti-theft and safety features

Spending a little extra money improving your car’s safety and security can translate into big savings for your insurance. These features lower the risk of your car getting into an accident or being stolen, so your insurance company passes those savings on to you.
The Dodge Ram 1500 offers up plenty of safety and anti-theft options as standard, as well as optional. Add on as much as you reasonably can, and watch your investment pay off not only with a safer truck but with cheaper insurance.

Keep a clean record

Your driving record plays an important role in your insurance premium calculation. Having driving violations on your record, from something as minor as an unpaid parking ticket to something as major as a DUI, raises your risk level. And the higher your risk level, the more expensive your insurance will become.
If your risk level is too high, some carriers may refuse to insure you.
If you have violations on your record, don’t despair—some clear off with time, and others can be legally purged.

Look for discounts

Almost all carriers feature various discounts, including discounts for safe driving, bundling policies, or allowing the company to track your driving habits with their apps. No matter who you are, where you live, or how you drive, there’s likely a discount available that you qualify for.
If you can’t find the right discount on the carrier’s website, ask an agent if there are any others they don’t advertise that you could qualify for. Odds are, there’s at least one discount that an agent can sign you up for.

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