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Cheapest Dodge Ram Car Insurance (Mar 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Dodge Ram
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Liz Jenson
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kianna Walpole, Expert Insurance Writer & Editor

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.
DateCarInsurance companyPremium (monthly)CustomerInsurance coverage
March 27, 2024
Dodge RAMAAA
$66
• 100,000/300,000 Liability
March 14, 2024
Dodge RAMTravelers
$79
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Mar 27, 2024
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:
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

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.
CarAverage Full Coverage Insurance CostAverage State Minimum Insurance Cost
Dodge Ram
$145
$89
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.
CarMonthly minimum coverage costMonthly full coverage cost
Ram Dodge 1500
$90
$137
Ram Dodge RAM 1500 Laramie
$109
$137
Ram Dodge 1500 SLT
$79
$163
Ram Dodge RAM 1500 Sport
$71
$155
Ram Dodge 1500 ST
$90
$145
Ram Dodge 2500
$91
$151
Ram Dodge 2500 ST
$87
$146
Ram Dodge RAM 3500
$101
$199
Ram Dodge RAM 3500 Longhorn
$104
$279
Lower my car insurance too!

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.
CarMonthly minimum coverage costMonthly full coverage cost
Dodge Ram
$89
$145
Acura CL
$94
$158
GMC Savana
$82
$92
Ram ProMaster
$110
$206
Volvo S40
$106
$176
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.
card cover
Nora (18 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$76
per month
card cover
Bradley (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$64
per month

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.
card cover
Christopher (75 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$70
per month
card cover
Celia (72 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
$57
per month

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
  • 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.
Speeding TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
Dodge RAMTravelers
$79
• 50,000/100,000 Liability
• Comp / Collision
Speeding 6-10
Dodge RAMAAA
$66
• 100,000/300,000 Liability
coverageLast Updated Mar 28, 2024

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.
Jerry has helped many Dodge Ram drivers find affordable car insurance after a DUI. Check out the examples below:
card cover
Dustin (31 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$56
per month
card cover
Garrett (44 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$51
per month

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.
Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
Dodge RAMProgressive
$51
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Dodge RAMAllstate
$61
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Mar 26, 2024

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.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Dodge RAMProgressive
$82
• State Minimum Liability
• Comp / Collision
Defective Equipment
Dodge RAMProgressive
$72
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Mar 25, 2024

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.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
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.
avatar
Kianna Walpole
badge icon
Expert Insurance Writer & Editor
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.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.