Finding the cheapest auto insurance for a Dodge Ram relies on a lot of factors such as your age, if you have prior claims, and your policy deductibles. Drivers in California pay around $1,455 per year for Ram insurance, but that amount is a valuation based on a 40-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.
When making auto insurance estimates, the issue arises that you are not 40 years old and maybe not even male, possibly married instead of single, and you may just want the cheapest liability coverage you can find. Car insurance coverage is unique to each driver, so this is why the only real way to find cheap insurance rates for your Dodge is to do your own rate comparisons. Quotes only take a couple of minutes and you will be able to see rates from some of the best insurers that offer coverage in California.
Find Cheaper Dodge Ram Insurance
Your Dodge’s trim level will most likely have an effect on the annual cost of coverage, so the rate you will pay to insure a Ram Quad Cab ST 2WD trim level will be $276 less expensive the price to insure the higher-end Ram Quad Cab Laramie 4WD version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $206 | $342 | $604 | $36 | $180 | $1,368 | $114 |
| Ram Quad Cab TRX4 Off Road 2WD | $234 | $416 | $604 | $36 | $180 | $1,470 | $123 |
| Ram Quad Cab SLT 2WD | $234 | $416 | $604 | $36 | $180 | $1,470 | $123 |
| Ram Crew Cab ST 2WD | $234 | $416 | $604 | $36 | $180 | $1,470 | $123 |
| Ram Quad Cab ST 4WD | $234 | $416 | $604 | $36 | $180 | $1,470 | $123 |
| Ram Crew Cab SLT 2WD | $234 | $416 | $604 | $36 | $180 | $1,470 | $123 |
| Ram Crew Cab TRX 2WD | $234 | $416 | $604 | $36 | $180 | $1,470 | $123 |
| Ram Quad Cab SLT 4WD | $234 | $416 | $604 | $36 | $180 | $1,470 | $123 |
| Ram Crew Cab ST 4WD | $234 | $416 | $604 | $36 | $180 | $1,470 | $123 |
| Ram Crew Cab Sport 2WD | $260 | $490 | $604 | $36 | $180 | $1,570 | $131 |
| Ram Quad Cab Sport 2WD | $260 | $490 | $604 | $36 | $180 | $1,570 | $131 |
| Ram Quad Cab TRX4 Off Road 4WD | $260 | $490 | $604 | $36 | $180 | $1,570 | $131 |
| Ram Crew Cab TRX 4WD | $260 | $490 | $604 | $36 | $180 | $1,570 | $131 |
| Ram Crew Cab SLT 4WD | $260 | $490 | $604 | $36 | $180 | $1,570 | $131 |
| Ram Quad Cab Laramie 2WD | $260 | $490 | $604 | $36 | $180 | $1,570 | $131 |
| Ram Crew Cab Laramie 2WD | $260 | $490 | $604 | $36 | $180 | $1,570 | $131 |
| Ram Crew Cab Sport 4WD | $260 | $490 | $604 | $36 | $180 | $1,570 | $131 |
| Ram Quad Cab Sport 4WD | $260 | $490 | $604 | $36 | $180 | $1,570 | $131 |
| Ram Crew Cab Laramie 4WD | $260 | $564 | $604 | $36 | $180 | $1,644 | $137 |
| Ram Quad Cab Laramie 4WD | $260 | $564 | $604 | $36 | $180 | $1,644 | $137 |
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rate quotes do not factor in specific location information which can increase or decrease premiums significantly.
Insuring your vehicle with a highly-rated car insurance provider is hard considering how many choices you have in Oakland. The company rank data below may help you choose which coverage providers you want to consider when shopping insurance around for a Dodge Ram.
These ratings are only made up of large nationwide companies, so smaller companies will not be included in these rankings. To view rates from these top insurers and more, click this link.
Top 10 Major Auto Insurance Providers in Oakland Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Cost of full coverage
Reducing the cost of car insurance is important to most people, and one of the quickest ways to pay less for insurance for a Dodge Ram is to not buy comprehensive and collision coverage. The chart below shows the comparison of yearly insurance costs with liability coverage only compared to full coverage. The prices are based on no accidents or driving violations, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
Averaged for all age groups, physical damage coverage costs an extra $3,201 per year over and above liability only. At some point, every insured wonders if it’s a good idea to buy full coverage. There is no definitive formula to drop comp and collision coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
Discount Oakland car insurance rates
Insurance providers that offer quotes for a Dodge Ram may provide premium discounts that could potentially reduce rates by as much as 40% or more if you are eligible. Larger car insurance companies and a selection of discounts can be found below.
- Progressive has discounts for homeowner, online signing, good student, multi-policy, and online quote discount.
- GEICO has savings for military active duty, seat belt use, anti-lock brakes, federal employee, multi-vehicle, and anti-theft.
- State Farm discounts include good driver, driver’s education, multiple autos, passive restraint, and multiple policy.
- Esurance policyholders can earn discounts including good driver, defensive driver, anti-theft, Switch & Save, and paid-in-full.
- The Hartford offers premium reductions for vehicle fuel type, driver training, anti-theft, good student, air bag, bundle, and defensive driver.
The diagram below illustrates the comparison of yearly insurance costs with and without some available policy discounts. The prices are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple policy, anti-theft, homeowner, defensive driving course, claim-free, and passive restraint discounts applied. When discounts are applied, the average savings per year on car insurance for a Dodge Ram is 28% or $668.
Drive safe and save
The ideal way to receive the cheapest car insurance rates for a Ram pickup is to drive cautiously and not receive tickets or have accidents. The information below shows how violations and at-fault accidents can raise car insurance costs for different categories of driver ages. The prices are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are factored in.
In the prior example, the average cost of a car insurance policy per year with no violations or accidents is $2,021. Get one speeding ticket and the average cost swells to $2,331, an increase of $310 each year. Now throw in two accidents along with the one speeding ticket and the yearly cost of car insurance for a Dodge Ram goes up to an average of $5,259. That’s an increase of $3,237, or $270 per month, just for not maintaining a clean driving record!
The agents listed below can help you decide which car insurance policy is best, since some drivers aren’t sure which coverage they need and prefer to have some professional guidance when comparing insurance rates for a Dodge Ram. It can be difficult to find the best policy yourself, and getting professional guidance from a licensed agent can add comfort knowing your coverage gives you sufficient protection if you have a claim.
To find an auto insurance agency in your neighborhood, click the button at the bottom of the list or click here to compare prices now.
- Farmers Insurance: Man Kin Lau
638 Webster St #200a – Oakland, CA 94607 – (510) 282-7996 - Susan Bernosky – Strahan Ins Services Inc
5940 College Ave a – Oakland, CA 94618 – (510) 450-9051 - Jain Williams – State Farm Insurance Agent
4222 MacArthur Blvd – Oakland, CA 94619 – (510) 530-3222