Dodge Ram Pickup Insurance

(And how to get the lowest premiums)

Dodge Ram Pickup

Learning how to save money on car insurance can be time-consuming and tricky. There are many factors that contribute to your insurance rates, and getting multiple quotes is a hassle. Consult an independent insurance agent in your area for help. They can get quotes from the best insurance companies and help you understand how to get the best possible rates with the coverage you need for your Dodge Ram pickup. 

Not sure where to find an independent insurance agent in your area? has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Dodge Ram pickup. 

What Kind of Insurance Do You Need for Your Dodge Ram Pickup?

Bodily injury liability: If you cause an accident with your Dodge Ram pickup, your bodily injury liability policy will pay for medical care if anyone else was hurt. Most states have rules about the minimum amount of bodily injury liability insurance you must carry. 

Property damage liability:

With property damage liability, you are covered for damage to someone else's vehicle, landscaping, or building. Property damage liability may also be required by law. Your agent can help you understand if buying more than the minimum required amount is a good idea. 

Medical payments/Personal injury protection: After a car accident, you and your passengers may need immediate medical attention. Medical payments or personal injury protection pays for medical bills regardless of who is at fault in the accident. This allows everyone to get the care they need without having to wait for the insurance companies to figure out who was responsible for causing the accident. 

Uninsured motorist coverage: In some states, you are required to carry uninsured and underinsured motorist coverage. This insurance handles bodily injury and property damage claims if the at-fault party doesn't have enough insurance coverage. 

Optional Coverage:

Collision: Collision insurance helps handle replacement or repair of your Dodge Ram pickup if you hit an object or another vehicle. You'll pay the deductible, and your insurance company pays up to the value of your truck. 

Comprehensive: Accidents not caused by a collision with another vehicle or object, theft, and vandalism fall under your comprehensive insurance policy. The insurance company will pay to fix or replace your truck, minus your deductible, if you hit an animal in the road, a tree falls on your pickup, or if you are the victim of theft or vandalism. 

Collision and comprehensive policies are optional if you own your Dodge Ram pickup. If you have a loan or lease, your lender may require that you insure your Dodge Ram pickup with a full coverage policy that includes collision and comprehensive policies. 

Glass coverage: A zero-deductible glass coverage insurance policy allows you to get your Dodge Ram pickup's windshield replaced right away without any out-of-pocket expense. Adding glass coverage to your insurance policy costs just a few dollars each month. 

Gap insurance: If you owe more on your Dodge Ram pickup than it's worth, gap insurance may be a smart addition to your insurance policy. Without gap insurance, you are responsible for paying the difference between a potential insurance settlement and the total outstanding amount on your loan if you are in an accident that results in the total loss of your vehicle. 

What Affects the Cost of Insurance for Your Dodge Ram Pickup?

Annual mileage: Talk with your insurance agent about how driving your Dodge Ram pickup more than 10,000 to 15,000 miles each year could raise your rates.

Your driving record: Drivers with a spotless driving record pay 40% less on average for full coverage car insurance than those with tickets and accidents on their record.

The value of your vehicle: In general, it costs more to insure expensive vehicles because it costs more to fix or replace a car with a higher retail price. Older vehicles tend to be less valuable and therefore cheaper to insure. Here's how your average annual car insurance rates could change depending on the age of your Dodge Ram pickup.

Insurance Rates by Model Year
2020 Dodge Ram pickup: $1,294
2015 Dodge Ram pickup: $1,242
2010 Dodge Ram pickup:  $1,084
2005 Dodge Ram pickup:  $956

Average Dodge Ram Pickup Insurance Costs

On average, a 40-year-old Dodge Ram pickup driver with an excellent driving record, who wants full coverage on their truck, should expect to pay $1,525 per year for auto insurance. Liability insurance costs an average of just $420 per year. Rates go up sharply for 16-year old Dodge Ram drivers, who pay an average of $5,582 per year for full coverage insurance.

These rates are just averages and yours may vary greatly depending on where you live, your driving record, your age, and the value of your vehicle. For this reason, it's a good idea to get several personalized quotes from your independent insurance agent.

The Safety of Your Dodge Ram Pickup

2019 Ram 1500 is the only full-size pickup to earn the Insurance Institute for Highway Safety's Top Safety Pick + rating. It received this distinction due to the improved LED headlights. All 2020 Ram 1500 models offer blind-spot monitoring with rear cross-path and trailer detection technology which scans blind spots behind and beside the truck for enhanced trailer safety. You can also choose 360° surround-view cameras to provide visuals of the vehicle's surroundings. This kind of technology helps reduce fender benders that occur while parking, hooking up a trailer, and unloading a truck.


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How Location Affects Your Dodge Ram Pickup Insurance 

Where you live has a great deal to do with your Dodge Ram pickup car insurance premiums. Here's how living in various areas could affect the average annual rates for a 40-year-old Dodge Ram pickup driver with a good driving record and a $500 deductible.

Rural Areas: Small Cities: Large Cities:
$1,143 $1,600 $2,057

Additional Factors that Affect Your Dodge Ram Pickup Insurance Premiums

  • Safety features like anti-theft devices
  • Age
  • Gender
  • Deductible
  • Credit

Average Cost to Insure a Dodge Ram Pickup

Average annual cost to insure a Dodge Ram pickup with full coverage: $1,332
Teens: $5,582
High-risk drivers: $3,264
High deductibles: $1,316
Low deductibles: $1,930
Top three most expensive states for Dodge Ram pickup insurance:
Michigan, New York, and Florida $2,060
Top three most affordable states for Dodge Ram pickup insurance:
Utah, Ohio, and New Hampshire $1,100

Top Independent Insurance Carriers That Insure the Dodge Ram Pickup

According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers: 

  1. Progressive
  2. Safeco
  3. Travelers
  4. Auto-Owners Insurance

Get a Dodge Ram Pickup Quote

An independent insurance agent can help you get multiple quotes for Dodge Ram pickup insurance. you can use the find-an-agent tool to get in touch with an agent in your town right away. Get started today by using to locate an agent and get started finding the best possible insurance rates for your truck.

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IIHS, Consumer Reports, Quote Inspector,, JD Power, Car and Driver