How much does Dodge Ram car insurance cost?

The average Dodge Ram driver will spend $89 per month on state minimum car insurance and $145 per month on full coverage. That makes the Dodge Ram about 6% more expensive to insure compared to other popular vehicles like the Hyundai Elantra, Acura RSX, and Jeep Gladiator.

However, it’s important to note that your Dodge Ram insurance costs may not be the same as the average. That’s because your auto insurance rates depend on your driver profile. Things like your vehicle’s trim level to its model year can have a big impact on your premium.

The only way to find out the real price of your car insurance is to compare auto insurance quotes from various car insurance companies.

Compare the cheapest Dodge Ram car insurance quotes

Luckily, this process is pretty easy when you have the right tools—like the Jerry app. Jerry is a car insurance price comparison tool with the ability to gather personalized quotes from over 55 top insurance companies in a matter of minutes.

In the table below, you’ll find real, free quotes that Jerry has gathered for Dodge Ram drivers like you.

Keep in mind that your vehicle model isn’t the only thing that will impact your car insurance; factors like your driving record, zip code, and insurance history will change your quote, as will your vehicle’s model year, trim level, and safety features.

Curious about quotes for your Dodge Ram? If so, it’s a good idea to start by getting car insurance quotes from at least three insurance companies to compare.

The best car insurance companies for Dodge Ram owners

While it would be easier if there was one insurance company with the best rates for all Dodge Ram owners, the truth is your quote will vary from provider to provider. Every insurance provider uses a slightly different algorithm to calculate your premiums, and you might see a lot of variation in rates.

To help drivers get started, Jerry conducted the largest survey in the nation, asking 15,000 real policyholders about their experience with their current provider. Here are the results:

How much car insurance do you need for a Dodge Ram?

State minimum coverage costs about $89 per month for the average Dodge Ram driver, while full coverage is closer to $145. However, your personalized quotes might look a lot different depending on factors like model year, trim level, driving history, and your desired coverage levels.

• Minimum coverage insurance: This type of coverage is required in most states. Its limits and coverage requirements vary depending where you live, but will always include bodily injury and property damage liability insurance.
• Full coverage insurance: Includes liability insurance, plus add-on coverages, such as comprehensive and collision coverage. This type of insurance provides more protection for your vehicle in both collision and non-collision related events, such as vandalism, theft, and severe weather.

These averages are a great starting point as you begin searching for the right insurance policy for you. The best way to shop for insurance, however, is by getting personalized quotes. That’s why Jerry is designed to help you find multiple quotes from top insurance providers in a matter of minutes.

Why are some trims more expensive to insure than others?

Vehicles with premium trim levels are typically more expensive to insure due to higher repair and replacement costs. The Dodge Ram 1500, for example, will be less expensive to insure than the Dodge Ram 1500 Laramie as a result of their trim levels.

Check out the following table for more data on the average cost of auto insurance for the Dodge Ram at various trim levels.

Are Dodge Rams expensive to insure?

Dodge Ram owners pay an average of $89 per month for state minimum coverage, and $145 per month for full coverage. That makes the Dodge Ram about 6% more expensive to insure than other models from a similar price range. For a more detailed comparison, see some of the average rates for a Dodge Ram and other models in the table below.

So, what makes these other vehicles more or less expensive to insure? Insurance companies take a lot of things into consideration when determining your auto insurance rates, including your vehicle’s MSRP, trim level, model year, and average cost of repairs.

What other factors affect Dodge Ram insurance rates?

There are a lot of things that can impact your car insurance rate, including:

• The type of vehicle you drive: Collision and comprehensive coverage are both more expensive for luxury, high-performance, and sports vehicles.
• Your age: Drivers under 25 and drivers over 75 will often see higher insurance rates due to increased risk levels.
• Your driving record and claims history: Drivers with a lot of accidents or tickets on their record will typically face higher insurance rates.

Dodge Ram insurance cost for young drivers

Drivers between the ages of 16 and 19 will pay the highest insurance rates of any age group. That’s because teen drivers pose a higher risk to auto insurance companies. That said, it’s best to get the financial security that comes with full coverage insurance if you have a teenager with a newer vehicle, as the likelihood of getting into an accident is higher.

Dodge Ram insurance cost for senior drivers

Insurance rates start to rise again later in life, after drivers turn 65. Older adults are more likely to get into accidents and more likely to suffer severe injuries as a result, meaning car insurance rates for seniors are typically higher.

Dodge Ram insurance cost for drivers with driving violations

If you’ve recently been charged with a driving violation, your car insurance rates may have gone up. Insurance companies view drivers with a spotty record as higher risk and therefore charge a higher rate.

Some violations that could increase your insurance rate include:

• Speeding
• DUIs
• Being at fault in an accident
• Reckless driving
• Driving on a suspended license

Cheapest car insurance for Dodge Ram drivers with speeding ticket

If you’re worried that your speeding ticket(s) might be increasing your car insurance rates, try not to panic. There are varying degrees of speeding, and lower degrees have a much smaller impact on your car insurance rates. Speeding 1-5 MPH over the limit, for example, won’t usually raise your rates as much as speeding 21+ MPH over the limit.

If you’ve got some tickets on your record, Jerry is here. We’re proud to help Dodge Ram drivers save on car insurance after receiving a speeding ticket.

Cheapest car insurance for Dodge Ram drivers with a DUI record

DUI offenses on your record can cause a lot of variation in insurance rates from one provider to another. In cases like this, it’s often advisable to compare rates from several insurance companies to find affordable insurance.

Cheapest car insurance for Dodge Ram drivers after an accident

One of the most crucial factors in determining your auto insurance rates is your accident or claim history.

Your insurer will usually charge a significantly higher rate if you were recently declared at fault in an accident. That’s why, after a crash, many people choose to search for a new provider. Jerry has helped several Dodge Ram drivers save on their insurance premiums post-accident.

Cheapest car insurance for Dodge Ram drivers with other driving violations on their record

DUIs, car accidents, and speeding tickets aren’t the only traffic violations that can raise your rates. Charges like reckless driving or making an illegal turn can also change the cost of car insurance beyond the national average.

Below, you’ll see examples of how Jerry helped other Dodge Ram drivers save on their insurance, even with these violations on their record.

How can I lower the cost of insurance for my car?

You can try a few different things to lower your car insurance.

• Shop around: One of the best ways to find a better rate on your auto insurance is to shop around for quotes from multiple providers. This is a quick and simple task when you use a tool like Jerry, where you can compare quotes from dozens of top providers in a matter of minutes.
• Raise your deductible: A higher car insurance deductible translates to a lower insurance bill each month. Remember though, in the event of an accident you’ll need to pay your deductible out-of-pocket before your insurance coverage kicks in, so don’t lower it to the point that you can’t afford to pay it.
• Bundle your insurance policies: Many insurance companies will allow you to bundle your homeowners and auto insurance at a discounted rate.
• Research discounts: Most insurers offer discounts of various kinds—such as discounts for drivers with a clean driving record or good grade point average—but you might not always see them advertised. Try asking your provider about discount options for your policy.

MEET OUR EXPERTS

Liz Jenson

Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz’s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details. Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.

Kianna Walpole

Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.

Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.