Best Dodge Ram Car Insurance Quotes (2025)
The average Dodge Ram insurance rates are around $127 a month, but you should compare Dodge Ram insurance quotes online before buying a policy. Follow this guide for a comparison of Dodge Ram insurance costs against Ford and GMC to make sure you are getting a fair quote on your Dodge Ram insurance price.
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Jeffrey Manola
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Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
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UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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 very slightly more than the average vehicle with full coverage costing around $1,524 a year or $127 a month. Good drivers can save up to $628 a year in policy discounts by remaining claim-free. 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 GMC Sierra 2500HD, Toyota Tacoma, and Ford Ranger.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Dodge Ram | $362 | $562 | $420 | $1,524 |
| GMC Sierra 2500HD | $336 | $656 | $420 | $1,592 |
| Toyota Tacoma | $294 | $482 | $390 | $1,324 |
| Ford Ranger | $254 | $470 | $372 | $1,254 |
| Ford F-150 | $322 | $470 | $372 | $1,322 |
| Chevrolet Silverado | $322 | $562 | $420 | $1,484 |
| Chevrolet Silverado 3500HD | $404 | $656 | $420 | $1,660 |
However, there are a few things you can do to find the cheapest Dodge insurance rates online.
Read more: Best Car Insurance Company for Ford
What Impacts the Cost of Dodge Ram Insurance?
You might have noticed that there is a multitude of factors that impact Dodge Ram car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Dodge Ram.
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 |
Driver Age
Driver age can have a significant effect on the cost of Dodge Ram car insurance. For example, 30-year-old drivers pay approximately $67 more for their Dodge Ram car 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 $396 a year more than drivers in Chicago.
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
The Dodge Ram safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your 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 coverage options including comprehensive coverage, so be sure to shop around and compare Dodge Ram car insurance rates from the best companies using our FREE tool below.
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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.
- Use a Service Like Turo to Rent Out Your Dodge Ram
- Use Paperless Billing for Your Dodge Ram Insurance Policy
- Buy a Dodge Ram with an Anti-Theft Device
- Work with a Direct Insurer Instead of an Insurance Broker for Your Dodge Ram
- Ask About Dodge Ram Low Mileage Discounts
Top Dodge Ram Insurance Companies
The best auto insurance companies for Dodge Ram car insurance rates will offer competitive rates, discounts, and account for the Dodge Ram’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.
| 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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Frequently Asked Questions
What is Dodge Ram car insurance?
Dodge Ram car insurance is a type of insurance that covers your Dodge Ram vehicle in the event of an accident, theft, or other covered loss. This insurance can provide financial protection to you and others involved in the accident.
How do I get the best Dodge Ram car insurance quotes?
To get the best Dodge Ram car insurance quotes, you should compare rates from multiple insurance companies. You can do this online or by contacting an insurance agent. Be sure to provide accurate information about your driving history, the type of vehicle you have, and your coverage needs to get an accurate quote.
What factors affect the cost of Dodge Ram car insurance?
Several factors can affect the cost of Dodge Ram car insurance, including your driving record, age, gender, location, credit score, the type of Dodge Ram you own, and the amount of coverage you need.
What types of coverage are available for Dodge Ram car insurance?
There are several types of coverage available for Dodge Ram car insurance, including liability insurance, collision insurance, comprehensive insurance, personal injury protection (PIP) insurance, uninsured/underinsured motorist insurance, and roadside assistance.
How much coverage do I need for my Dodge Ram?
The amount of coverage you need for your Dodge Ram depends on several factors, including your state’s insurance requirements, your driving habits, the value of your vehicle, and your personal financial situation. It’s a good idea to speak with an insurance agent to determine the right amount of coverage for your needs.
Can I get discounts on my Dodge Ram car insurance?
Yes, you can get discounts on your Dodge Ram car insurance. Many insurance companies offer discounts for factors such as good driving habits, multiple policies, safe driving courses, and anti-theft devices. Be sure to ask your insurance company about any available discounts.
What should I do if I’m in an accident with my Dodge Ram?
If you’re in an accident with your Dodge Ram, the first thing you should do is make sure everyone is okay and call emergency services if needed. Then, exchange information with the other driver(s) involved in the accident and take photos of any damage. Contact your insurance company as soon as possible to file a claim and get started on the repair process.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.