Are you considering upgrading to a full size Dodge Ram 1500 pickup truck? If so, it’s important to consider the average cost of Dodge Ram 1500 auto insurance. By doing your research and planning ahead, you can ensure that you aren’t paying too much for it. car insurance.
Read on to learn more about your truck coverage. To continue and start getting free quotes from multiple vendors in your area, enter your zip code below.
What is the average cost of Dodge Ram 1500 auto insurance?
There are many factors that influence the exact cost of insuring a Dodge Ram 1500. Perhaps the most crucial factor in this equation is your location, especially your city and state. Average insurance costs vary widely from state to state and city to city. According to the National Association of Insurance Commissioners, the most expensive places to buy auto insurance are:
- new York
- New Jersey
- Rhode Island
While the state you live in has a big influence on your auto insurance rates, it’s not the only factor that matters. If you want to improve your chances of finding cheap truck insurance, you need to do your best to maintain a clean driving record. Insurers will typically look at your driver’s license information, driving history, and demographic information to determine how much to charge for coverage.
For example, a single driver aged 16 to 24 will likely have higher rates than a married woman in her 40s because young drivers, especially men, are considered high risk.
Another factor that will influence the cost of your Dodge Ram auto insurance is the size and classification of the truck. Larger vehicles, such as the full-size Dodge Ram 1500 pickup, are generally more expensive to insure than standard sedans because they contain more expensive parts and have a greater propensity to cause serious property damage when damaged. ‘accident. Full-size trucks are also more expensive to register in many states, such as Florida.
How the Cost of the Dodge Ram 1500 Affects Auto Insurance Rates
As noted above, there are many factors that influence the cost of insuring a Dodge Ram 1500. According to Edmunds.com, the MSRP of the Dodge Ram 1500 ranges from $ 32,795 to $ 70,195. This wide range is due to the multiple trim levels available for the Ram 1500. Some of the more popular premium trim levels include the Laramie, Big Horn and Longhorn.
As a general rule, the more expensive the vehicle, the higher your premium will be. The price of your car has an impact on the cost of collision and damage insurance because more expensive vehicles cost more to repair or replace in the event of an accident.
How Dodge Ram 1500 Theft Rates Affect Auto Insurance
The Dodge Ram 1500 is a popular and trendy pickup truck. Unfortunately, it is also popular among car thieves. In fact, according to the National Insurance Crime Bureau, the 1500 was eighth on the list of most stolen vehicles in 2019.
It should also be noted that in 2019 more than 11,000 Dodge pickup trucks were stolen. When creating your insurance contract, providers will take these statistics into account. On the bright side, these numbers won’t affect your rates as much if you live in a rural or low crime area.
Tips to Save Money on Dodge Ram 1500 Auto Insurance
Most major insurers offer discounts that can potentially save you hundreds of dollars on Dodge Ram 1500 auto coverage. Here are some ways to earn a discount:
- Insure multiple vehicles
- Have multiple drivers on your plan
- Take a safe driving course
- Getting good grades in school as a student
- Combine owners and auto insurance
- Be a government employee
Insurers also give discounts for certain safety features. The 2020 Dodge Ram 1500 was one of the IIHS ‘top safety picks, which means it includes many of the safety features that insurers are looking for. These features include side airbags, high crash test ratings, anti-lock brakes, stability control and anti-theft devices.
Another way to lower your auto insurance rates is to go for a higher deductible. If you are a safe driver and have never been in an accident, this can be a great way to save money and lower auto insurance costs. Just make sure you feel comfortable with your level of coverage should the worst happen and you end up in an accident.
Plus, you need to make sure you shop around and compare multiple rates. Don’t jump on the first offer you receive, although it may be tempting to do so. Instead, take your time to find the perfect coverage option for your needs.
How much auto insurance do I need for my Dodge Ram 1500?
Each state sets its own truck insurance requirements for minimum liability coverage. For example, the minimum insurance requirements for California will be different from those for Florida.
While you need minimal liability coverage, it’s usually a good idea to purchase additional coverage. If your vehicle has been financed, you will likely need fully covered auto insurance. If you plan on using your Dodge Ram 1500 to make deliveries or work for a rideshare service, you’ll also want to consider specialized rideshare insurance.
If your truck is older, you may not need as much coverage. For example, comprehensive insurance and collision insurance are not worth the cost of a vehicle over 10 years old. Instead, you may want to opt for third party liability coverage, collision coverage, and personal injury coverage.
Mechanical breakdown insurance, roadside assistance, and GAP insurance are other additions you may want to consider. These offers are not suitable for everyone. Finding the right balance between value and convenience is essential when choosing your insurance coverage options.
Our recommendations for auto insurance
Ready to start comparing auto insurance quotes on Dodge Ram 1500 auto insurance? Keep reading our top insurance recommendations and enter your zip code in the rate comparison tool below to start comparing free quotes.
GEICO: better overall
GEICO has been awarded the title of Best Auto Insurance Company by our experts. It received a cumulative score of 9.5 out of 10.0 in our industry review. The insurer offers mechanical breakdown coverage, carpooling coverage and more. If you are looking for lots of discount options and flexible coverage, this insurance provider may be for you.
USAA: Ideal for military families
USAA obtained a cumulative score of 8.9 out of 10.0 in our review. We have awarded it the Best for Military Families designation. The company offers usage-based coverage options and has exceptional customer service and an outstanding reputation in the industry. The only downside is that its coverage is only available to military personnel and their immediate families.
FAQ: Average Cost of Dodge Ram 1500 Auto Insurance
Is Auto Insurance More Expensive For Diesel Trucks?
Typically, auto coverage is more expensive for diesel trucks like the Ram 2500. The fact that this class of trucks uses diesel engines is one reason for the higher cost. However, this is not the only reason. In general, diesel trucks are also more expensive to produce and they have heavy-duty components, which means they will also be more expensive to repair or replace in the event of an accident.
How Does Your Driving Record Affect Your Dodge Ram 1500 Auto Insurance Rates?
Your driving record will have a significant impact on your insurance rates. If your driver’s license has already been suspended or if you’ve received multiple tickets, your rates will likely be higher. Being involved in a responsible traffic accident or being convicted of a DUI will also have an impact on your car insurance rates.
Is the Dodge Ram 1500 a good truck?
Yes, the Dodge Ram 1500 is considered a good truck. It is one of the IIHS top safety picks and one of the top-selling trucks in the country.
How much will it cost to repair my Dodge Ram 1500?
The cost of repairing your Dodge Ram 1500 will vary depending on many factors. According to RepairPal, the average annual repair cost for a Dodge Ram 1500 is around $ 670. Again, there is plenty of room for variation depending on your individual use and other circumstances.
The Detroit Bureau collects data from each major auto insurance provider to formulate rankings of the best insurers. Our in-depth rating system takes into account market share, coverage, pricing, customer satisfaction, and industry expert ratings. Each insurer is assigned a weighted score in four categories and an overall score out of 10.0.
We recommend auto insurance companies based on these rankings, but we also encourage you to do your own research and compare quotes to find the best coverage.