Dodge Ram Car Insurance: How Much Should You Expect to Pay?

Dodge Ram drivers can expect to pay about $125 a month for their auto insurance, if you look at average rates across the U.S. Check out our newest guide to find out how much insurance companies might charge you to insure your Dodge Ram.

Quick Facts

  • A Dodge Ram costs about the same to insure as the average truck.
  • Liability car insurance for a Ram comes in at about $74 per month, while full coverage generally averages around $148 monthly.
  • The most affordable auto insurance company for a Ram is JustInsure.

Ram Overview

The Dodge Ram is a great budget-friendly car for drivers of all types, with 2012 models starting at $22,125. Not only is it on the affordable end of the spectrum when it comes to overall price point, it's also a smart choice for your budget when considering your insurance premiums.

Based on reviewing thousands of car insurance quotes from Compare.com, we've determined that, on average, Dodge Ram auto insurance rates run about $125 per month. Where does that fall compared to the rest of the market?

Current Base Price$22,125
Body Style(s)Truck
Trim LevelsSLT, ST, LARAMIE, LONGHORN, POWERWAGON, SPORT
Average Insurance Premium$125/mo.
Cheapest Insurance CompanyJustInsure

How Much is Car Insurance for a Dodge Ram?

Vehicle Liability Only Full Coverage
Dodge Ram$74$148
All Dodge Models$81$180
All Trucks$70$147
Average Insurance Premium$81$169

In the table above, you'll find that compared to other vehicles, Dodge Ram insurance prices are cheaper than average. On average, Ram owners will pay around $74 a month for liability insurance, and about $148 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

Compared to other Dodge models, the Ram is cheaper, with rates more than 10% lower than the rest of the automaker's vehicle lineup. Compared to truck offerings from other brands, car insurance for a Ram is similarly on the expensive side, with liability only insurance premiums coming in around 6% more and 1% more for full coverage.

When compared to all vehicles of any body type, the Ram has more expensive prices than average for both full coverage and liability only insurance.

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Who has the Cheapest Car Insurance for a Dodge Ram?

Insurance Company Average Monthly Premium
Fiesta$30
Ohio Mutual$34
Oasis$35
Hugo$36
CaliforniaCasualty$42

If you're browsing for an auto insurance policy for a Dodge Ram, you're likely wondering which carrier offers the cheapest premiums. Although there will never be one company that has the lowest rates for everyone, the lowest average rates for liability only insurance are sometimes just $30 a month from Fiesta. With car insurance as cheap as just $34 a month, Ohio Mutual is the next cheapest car insurance carrier.

Oasis, Hugo, and CaliforniaCasualty finish off the rest of the top 5. But just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Dodge Ram.

Insurance companies take a wide array of variables into consideration when calculating how much to charge you. By getting quotes from lots of auto insurance carriers at once, you can be confident you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Dodge Ram?

As we mentioned above, there are numerous things that insurance companies take into account to calculate how much they charge you for a policy -- and each company weighs certain attributes more than others, so there's not just one carrier that's the most affordable for every Ram driver.

Here are just a few of the factors car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 YearNo Recent Models
2-3 Years$67
4-5 Years$58
6-7 Years$73
8-10 Years$77
11-14 Years$74
15 Years or Older$73

The Dodge Ram has been around for a while, so vehicle age may play a big role in what you end up paying for auto insurance. Normally, it costs more to insure newer cars because they're worth more, however, as time goes on and Rams continue to depreciate, insurance costs will gradually get lower.

A new Dodge Ram model hasn't been added to the market for over 5 years, so the Ram won't really fit this trend. However, as you can see in the table above, the cheapest Dodge Rams to insure are those that are 4 to 5 years old, while the most expensive models are Rams that are 8 to 10 years old, on average.

Your Age

Age Average Monthly Premium

Your age is another factor that makes a difference in how much car insurance carriers will charge. As you can see in the table above, young drivers have higher premiums than drivers who have more experience on the road. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Auto insurance prices continue to decrease as you get older, with drivers aged 55-64 making up the cheapest age group for the Ram.

Your Gender

Gender Average Monthly Premium
Male$76
Female$66

Women normally to pay less for insurance than men. This is because women are less likely to get tickets and get into accidents, which decreases the chances of an insurance claim. The Dodge Ram follows this convention, and men pay about $76 per month for car insurance, while women pay around $66.

Where You Live

State Average Monthly Premium
California$55
Florida$117
Georgia$97
Illinois$48
New York$121
North Carolina$42
Ohio$61
Pennsylvania$63
Texas$65
Virginia$59

It may seem like common sense that things such as how old you are and what vehicle you drive play a role in your insurance prices, but did you know that where you live has just as much of an impact? Since auto insurance is regulated on the state level rather than nationally, rates change quite a bit depending on what state you live in.

For example, the average Dodge Ram owner in New York pays about $121 monthly for liability coverage, while on average, the same Californian driver will pay less than half of that price. The chart shows average prices for the 10 largest states by population, just to give you a good idea of how much premiums can change from state to state.

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Dodge Ram Car Insurance Discounts

Whatever what state you call home, how old you are, or which vehicle you drive, it's always a good idea to take advantage of as many insurance discounts as possible when shopping around for a new policy.

While no two car insurance companies offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:

  • Multi-policy discounts for bundling your home and auto policies with the same insurance company
  • Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
  • Pay-in-full discounts for choosing to pay your entire policy rate up front, rather than by monthly payments
  • Multi-car discounts for adding more than one vehicle to your auto policy

These are just a few of the discounts out there. Often, it's actually having a good record when it comes to both auto insurance and driving that get you the best rates.

Even though you may not have control of every variable car insurance carriers reference to calculate rates (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the variables you can use in your favor in order to save money on insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$94
Multiple Accidents$133
1 Ticket$92
Multiple Tickets$117

You've almost certainly heard ads from auto insurance companies promoting large discounts for safe drivers. And you're probably not surprised to hear that your insurance premiums will get higher if you get cited for speeding or get into a collision. But exactly how much will these infractions cost you?

Looking at the table above, you'll see that accidents will usually cost Ram drivers more than tickets, but both will result in a raise in rates. Dodge Ram drivers with a single accident on their record pay an average of $94 each month (up $20 from the $74/mo. overall average), while drivers with one ticket will pay about $92 per month. Drivers with more than one of either violation will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$67
2,501-5,000 Miles$67
5,001-7,500 Miles$67
7,501-10,000 Miles$76
10,000+ Miles$76

How much you drive annually plays a big role when it comes to your car insurance prices. Drivers who are on the roads less are less likely to get into accidents, so they'll typically end up paying less for auto insurance. In the above table, you can see that Dodge Ram owners who drive fewer than 2,500 miles per year pay about $67 monthly for insurance, while those who put 10,000 miles or more on their cars pay $76.

If you happen to be one of those drivers who put very few miles on your Dodge Ram each year, it may be worth learning about usage-based or pay-per-mile auto insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Dodge Rams Compare to Other Vehicles?

If you're thinking about making a Dodge Ram your next truck, you're probably wondering how it compares to other cars. Car insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth taking into consideration.

Visit the table below to see how the Dodge Ram compares:

Dodge Ram National Average
Liability Insurance$75$81
Full Coverage Insurance$156$169
Base MSRP$22,125$37,225
Average Annual Mileage11,09311,617

Overall, the Dodge Ram is a great value when it comes to price, with an MSRP that's a third less than the going rate for a new vehicle. While the average vehicle MSRP in the U.S. is $37,225, the Ram retails at just $22,125. A used Ram will be even less expensive, since there hasn't been a new model on the market recently.

In the same fashion, car insurance rates run slightly below average when compared to other vehicles on the market. Liability insurance for a Dodge Ram is around $6 per month less than average, while full coverage is $13 less a month.

When it comes to usage, Dodge Ram drivers are pretty close to the national average in annual miles driven, with 11,617 miles a year for all vehicles compared to the Ram's 11,093 every year.

Dodge Ram Car Insurance Costs by Model Year

So far, you've seen how different factors have an impact on how much the average driver pays to insure a Dodge Ram. But if you're thinking about buying a new vehicle and the Ram is one you're considering, knowing what you'll likely pay can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

2012 Dodge Ram Car Insurance

   
Liability Only Avg. Premium$75
Full Coverage Avg. Premium$156
Base MSRP$22,125
Cheapest Insurance CompanySafeAuto - $20/mo.
Available TrimsLARAMIE, LONGHORN, POWERWAGON, SLT, SPORT, ST

2012 Dodge Ram drivers can expect to pay an average of $75 monthly for liability or $156 for full coverage.

Looking for the cheapest policy? SafeAuto offered liability only coverage for as low as $20 per month.

Interested in what your insurance price could look like? Get lots of free customized quotes by just entering your ZIP code below.

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2011 Dodge Ram Car Insurance

   
Liability Only Avg. Premium$84
Full Coverage Avg. Premium$146
Base MSRP$20,810
Cheapest Insurance CompanyClearcover - $21/mo.
Available TrimsRAM 1500, RAM 2500, RAM 3500

The average cost to insure a 2011 Ram with liability only coverage is $84 a month, while full coverage runs about $146 per month.

Clearcover has premiums sometimes as cheap as $21 monthly for the 2011 Dodge Ram.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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2010 Dodge Ram Car Insurance

   
Liability Only Avg. Premium$67
Full Coverage Avg. Premium$143
Base MSRP$20,610
Cheapest Insurance CompanyMetLife - $19/mo.
Available TrimsRAM 1500, RAM 2500, RAM 3500

On average, drivers who own a 2010 Dodge Ram can expect to pay $67 to $143 a month for liability only and full coverage car insurance, respectively.

If you're looking for the cheapest possible 2010 Dodge Ram insurance policy, MetLife offered the lowest policy we found, with rates sometimes as little as $19 monthly.

If you want to know exactly how much you can expect to pay for your Ram, just enter your ZIP code below and get free quotes in minutes.

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2009 Dodge Ram Car Insurance

   
Liability Only Avg. Premium$72
Full Coverage Avg. Premium$145
Base MSRP$21,520
Cheapest Insurance CompanyMetLife - $19/mo.
Available TrimsRAM 1500, RAM 2500, RAM 3500

It costs around $72 per month for liability or $145 for a full coverage policy for the 2009 Ram.

With rates as little as $19 a month, MetLife offered the most affordable policy we found for the 2009 Dodge Ram.

While these are good estimates of what the average driver might pay to insure a 2009 Dodge Ram, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2008 Dodge Ram Car Insurance

   
Liability Only Avg. Premium$75
Full Coverage Avg. Premium$160
Base MSRP$22,150
Cheapest Insurance CompanyMetLife - $19/mo.
Available TrimsRAM 1500, RAM 2500, RAM 3500, SLT, ST, ST/SLT

You can expect full coverage for a 2008 Dodge Ram to run about $160 monthly, while liability only coverage will average around $75 a month.

With rates as low as just $19 per month, MetLife offered the cheapest policy we found.

Want to find the best rates? Just enter your ZIP code below to get a variety of personalized quotes for free.

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2007 Dodge Ram Car Insurance

   
Liability Only Avg. Premium$76
Full Coverage Avg. Premium$151
Base MSRP$21,505
Cheapest Insurance CompanyLiberty Mutual - $16/mo.
Available TrimsRAM 1500, RAM 2500, RAM 3500, SLT, ST, ST/SLT

On average, drivers who own a 2007 Ram can expect to pay $76 to $151 a month for liability only and full coverage auto insurance, respectively.

Liberty Mutual offered the lowest policy we found, with rates as cheap as $16 monthly.

If you want to know exactly how much you can expect to pay for your Ram, just enter your ZIP code below and get several free quotes in minutes.

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2006 Dodge Ram Car Insurance

   
Liability Only Avg. Premium$79
Full Coverage Avg. Premium$151
Base MSRP$21,150
Cheapest Insurance CompanyStateAuto - $16/mo.
Available TrimsRAM 1500, RAM 2500, RAM 3500, RAM SRT10, SLT, ST, ST/SLT, ST/SLT/LARAMIE

It costs about $79 per month for liability or $151 for a full coverage policy for the 2006 Dodge Ram.

We found StateAuto offered the cheapest policy, with rates as little as just $16 a month.

Want to find the most affordable rates? Enter your ZIP code below to get multiple personalized quotes for free.

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2005 Dodge Ram Car Insurance

   
Liability Only Avg. Premium$77
Full Coverage Avg. Premium$147
Base MSRP$20,555
Cheapest Insurance CompanyLiberty Mutual - $16/mo.
Available TrimsRAM SRT10, ST, ST/SLT

The average cost to insure a 2005 Ram with liability only coverage is $77 monthly, while full coverage runs around $147 per month.

With premiums sometimes as low as $16 a month, Liberty Mutual offered the cheapest policy we found.

While these are good estimates of what the average driver might pay to insure a 2005 Dodge Ram, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2004 Dodge Ram Car Insurance

   
Liability Only Avg. Premium$77
Full Coverage Avg. Premium$147
Base MSRP$19,855
Cheapest Insurance CompanyLiberty Mutual - $18/mo.
Available TrimsRAM SRT10, ST, ST/SLT

You can expect full coverage for a 2004 Dodge Ram to run about $147 per month, while liability only coverage will average around $77 monthly.

Looking for the lowest policy? Liberty Mutual offered liability only coverage for as little as $18 per month.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2003 Dodge Ram Car Insurance

   
Liability Only Avg. Premium$78
Full Coverage Avg. Premium$156
Base MSRP$18,735
Cheapest Insurance CompanyMetLife - $19/mo.
Available TrimsST, ST/SLT

2003 Ram drivers can expect to pay an average of $78 a month for liability or $156 for full coverage.

With prices as little as just $19 monthly, MetLife offered the most affordable policy we found for the 2003 Dodge Ram.

If you want to find the best premiums for insurance for a 2003 Dodge Ram, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2002 Dodge Ram Car Insurance

   
Liability Only Avg. Premium$72
Full Coverage Avg. Premium$136
Base MSRP$16,955
Cheapest Insurance CompanyLiberty Mutual - $16/mo.
Available TrimsRAM 1500, RAM 2500, RAM 3500

The average cost to insure a 2002 Dodge Ram with liability only coverage is $72 a month, while full coverage runs about $136 per month.

Liberty Mutual has rates sometimes as low as $16 monthly for the 2002 Dodge Ram.

Want to know just how much you'll pay? Get several customized quotes for free by just entering your ZIP code below.

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2001 Dodge Ram Car Insurance

   
Liability Only Avg. Premium$73
Full Coverage Avg. Premium$143
Base MSRP$15,285
Cheapest Insurance CompanyMetLife - $16/mo.
Available TrimsRAM 1500, RAM 2500, RAM 3500

You can expect full coverage for a 2001 Ram to run around $143 per month, while liability only coverage will average about $73 monthly.

MetLife offered the lowest policy we found, with rates sometimes as little as $16 a month.

If you want to find the best prices for car insurance for a 2001 Dodge Ram, enter your ZIP code below and compare a multitude of personalized quotes in just a few minutes.

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2000 Dodge Ram Car Insurance

   
Liability Only Avg. Premium$72
Full Coverage Avg. Premium$134
Base MSRP$14,895
Cheapest Insurance CompanyStateAuto - $18/mo.
Available TrimsRAM 1500, RAM 2500, RAM 3500

On average, drivers who own a 2000 Dodge Ram can expect to pay $72 to $134 monthly for liability only and full coverage auto insurance, respectively.

If you're looking for the lowest possible 2000 Dodge Ram insurance policy, StateAuto offered the cheapest policy we found, with rates as cheap as just $18 per month.

Interested in just how much you'll pay? Just enter your ZIP code below to get lots of free customized quotes.

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Dodge Ram Insurance FAQs

Is a Dodge Ram expensive to insure?

The cost of car insurance for the Dodge Ram is about the same as insuring the average truck. Liability insurance runs an average of $74 a month, while full coverage will cost you around $148.

How can I get the best price on car insurance for my Dodge Ram?

The only way to make sure you're getting the most affordable price on insurance is to check prices regularly and compare quotes from quite a few carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a wide array of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Dodge Ram affect my insurance rates?

You've probably heard that it costs more to insure red cars than silver or white ones, but that's actually not true. There are a variety of things car insurance carriers think about when they calculate your premiums, but your car's color is not factored into that decision.

Do I need to have insurance before I buy a Dodge Ram?

Before you can legally drive your new (or new to you) Ram off the dealership lot, you'll need to have valid auto insurance for it. Some dealerships may offer you an insurance policy as part of the car-buying process, but the best thing to do when buying a a new truck is to talk with your insurance company ahead of time.

What car insurance discounts can I get for my Dodge Ram?

There are a variety of discounts out there when it comes to auto insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are more based on you than the Dodge Ram you drive, but if your Ram has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to know for sure is to reach out to your insurance carrier and ask about their discounts, since they differ quite a bit from company to company.

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