Finding competitive coverage for a Dodge Ram is dependent upon a lot of factors such as driver age, whether you are claim-free, and any driving offenses on your record. Drivers in California pay on average $1,269 a year to insure their Ram, but that figure is an estimate calculated based on a 30-year-old married male driver with full coverage and $1,000 deductibles.
It’s highly likely you are not 30 and maybe not even a male, you might be single instead of married, or maybe you don’t qualify for the same discounts. Just a slight change in rating criteria or coverage limits can make a big difference in the coverage rate.
This shows why the way we recommend to find the cheapest coverage for your Dodge is to do the rate comparisons yourself. Quotes are free and you will be able to compare rates from some of the best insurers in California.
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The trim level of your Ram tends to impact the insurance rate, so the price you will be charged to insure a Ram Quad Cab ST 2WD trim level will be $248 less than the cost to insure the high end Ram Quad Cab Laramie 4WD version, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $210 | $298 | $500 | $30 | $150 | $1,188 | $99 |
| Ram Quad Cab TRX4 Off Road 2WD | $238 | $362 | $500 | $30 | $150 | $1,280 | $107 |
| Ram Quad Cab SLT 2WD | $238 | $362 | $500 | $30 | $150 | $1,280 | $107 |
| Ram Crew Cab ST 2WD | $238 | $362 | $500 | $30 | $150 | $1,280 | $107 |
| Ram Quad Cab ST 4WD | $238 | $362 | $500 | $30 | $150 | $1,280 | $107 |
| Ram Crew Cab SLT 2WD | $238 | $362 | $500 | $30 | $150 | $1,280 | $107 |
| Ram Crew Cab TRX 2WD | $238 | $362 | $500 | $30 | $150 | $1,280 | $107 |
| Ram Quad Cab SLT 4WD | $238 | $362 | $500 | $30 | $150 | $1,280 | $107 |
| Ram Crew Cab ST 4WD | $238 | $362 | $500 | $30 | $150 | $1,280 | $107 |
| Ram Crew Cab Sport 2WD | $266 | $426 | $500 | $30 | $150 | $1,372 | $114 |
| Ram Quad Cab Sport 2WD | $266 | $426 | $500 | $30 | $150 | $1,372 | $114 |
| Ram Quad Cab TRX4 Off Road 4WD | $266 | $426 | $500 | $30 | $150 | $1,372 | $114 |
| Ram Crew Cab TRX 4WD | $266 | $426 | $500 | $30 | $150 | $1,372 | $114 |
| Ram Crew Cab SLT 4WD | $266 | $426 | $500 | $30 | $150 | $1,372 | $114 |
| Ram Quad Cab Laramie 2WD | $266 | $426 | $500 | $30 | $150 | $1,372 | $114 |
| Ram Crew Cab Laramie 2WD | $266 | $426 | $500 | $30 | $150 | $1,372 | $114 |
| Ram Crew Cab Sport 4WD | $266 | $426 | $500 | $30 | $150 | $1,372 | $114 |
| Ram Quad Cab Sport 4WD | $266 | $426 | $500 | $30 | $150 | $1,372 | $114 |
| Ram Crew Cab Laramie 4WD | $266 | $490 | $500 | $30 | $150 | $1,436 | $120 |
| Ram Quad Cab Laramie 4WD | $266 | $490 | $500 | $30 | $150 | $1,436 | $120 |
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price information does not factor in your specific Fresno location which can influence price quotes significantly.
Locating low-cost auto insurance is difficult, and finding out which insurers offer the cheapest insurance rates for a Dodge Ram calls for a little more work. Each auto insurer has their own unique process to determine premium rates, so first we will examine the most affordable insurance companies in Fresno.
It’s important that you understand Fresno, CA insurance rates are impacted by many things that will increase or decrease the cost of a policy. Simply getting older, buying a different vehicle, or getting a reckless driving citation can produce rate changes that can cause some rates to be more expensive than others.
Cheap Insurance Rates for Your Ram Truck
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,491 |
| 8 | Progressive | $1,496 |
| 9 | Allstate | $1,497 |
| 10 | Mercury | $1,503 |
| 11 | GEICO | $1,513 |
| 12 | The Hartford | $1,575 |
| 13 | Allied | $1,588 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,699 |
| 17 | Esurance | $1,705 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $1,966 |
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USAA has some of the cheapest car insurance rates in Fresno at around $1,155 per year. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the most economical Fresno, CA auto insurance companies.
In this example, if you are a policyholder with CSAA and switched to Wawanesa, you might achieve annual savings of around $77. Insureds with Nationwide may save as much as $106 a year, and 21st Century policyholders might see rate reductions of $222 a year.
To get a quick, customized rate comparison, click here to get a free quote or quote prices from the following companies.
Understand that those estimates are averaged for all drivers and vehicles in California and and are not figured with an exact zip code location for a Dodge Ram. So the auto insurance company that has the cheapest rates for you may not even be in the list above. That point stresses why you need to get rate quotes using your own personal information and vehicle type.
The information below shows how choosing a deductible can influence insurance prices when researching cheap insurance for a Dodge Ram. The premiums are based on a married female driver, full physical damage coverage, and no discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $372 a year by changing from a $100 deductible to a $500 deductible, or save $564 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old, could roll back prices as much as $930 or even more by choosing a larger deductible amount. When raising deductibles, it is a good idea to have emergency funds available to allow you to pay the extra out-of-pocket expense associated with higher deductibles.
Cost comparison with and without full coverage
Saving on insurance is important to the majority of drivers, and one common way to save on the cost of insurance for a Dodge Ram is to not pay for full coverage. The illustration below visualizes the comparison of insurance premiums when comparing full coverage to liability only. The premium estimates are based on no violations or claims, $250 deductibles, drivers are not married, and no policy discounts are applied.
If averaged out across all ages, full coverage on your policy costs $2,957 per year more than carrying just liability coverage. That is a big expense that brings up the question if paying for full coverage is a waste of money. There is no definitive formula of when to phase out physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.
There are a few cases where buying only liability insurance is not recommended. If you haven’t paid off your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.
Discount Fresno car insurance rates
Insurers that provide policies for a Dodge Ram may also offer rate discounts that may potentially lower prices by as much as 35% or more if you meet eligibility requirements. The best insurance companies and some of the discounts are included below.
- State Farm offers discounts for anti-theft, multiple autos, good driver, driver’s education, and accident-free.
- GEICO has savings for defensive driver, anti-theft, multi-vehicle, multi-policy, driver training, and daytime running lights.
- Allstate includes discounts for auto/life discount, new car, early signing, teenSMART discount, premier plus, senior citizen, and 55 and retired.
- SAFECO policyholders can earn discounts including multi-car, accident prevention training, bundle discounts, anti-lock brakes, teen safety rewards, and anti-theft.
- Farm Bureau discounts include safe driver, youthful driver, multi-vehicle, renewal discount, 55 and retired, good student, and driver training.
- Progressive offers premium reductions for online quote discount, continuous coverage, homeowner, good student, multi-policy, multi-vehicle, and online signing.
- AAA may have discounts that include AAA membership discount, anti-theft, multi-policy, good driver, pay-in-full, good student, and education and occupation.
The example below visualizes the comparison of insurance costs with and without some available policy discounts. The costs are based on a female driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with anti-theft, vehicle safety, accident-free, marriage, multiple policy, and passive restraint discounts applied. When drivers take advantage of discounts, the average amount saved on insurance for a Dodge Ram is 28% or $773.