Buying the cheapest auto insurance for a Dodge Ram in Texas hinges on a lot of rating factors such as annual vehicle mileage, where your vehicle is garaged, and driving violations and tickets. Texas drivers pay around $1,294 annually to insure their Ram, but that cost is a valuation calculated using a 30-year-old single male driver with full physical damage coverage and $1,000 deductibles.
Odds are that you aren’t exactly 30 years old or even a male, maybe you are married instead of single, and maybe your Ram just needs liability-only coverage. The different assumptions illustrate why the only way to find the cheapest insurance price for your Dodge is to do a thorough rate comparison. Do a quick rate comparison now and you will get price quotes from the best auto insurance companies around.
Your Dodge’s trim level tends to impact the annual cost of coverage, so the price to insure a Ram Quad Cab ST 2WD will be $220 lower than the price to insure the fancier Ram Quad Cab Laramie 4WD model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$208||$256||$564||$34||$168||$1,230||$103|
|Ram Quad Cab TRX4 Off Road 2WD||$234||$312||$564||$34||$168||$1,312||$109|
|Ram Quad Cab SLT 2WD||$234||$312||$564||$34||$168||$1,312||$109|
|Ram Crew Cab ST 2WD||$234||$312||$564||$34||$168||$1,312||$109|
|Ram Quad Cab ST 4WD||$234||$312||$564||$34||$168||$1,312||$109|
|Ram Crew Cab SLT 2WD||$234||$312||$564||$34||$168||$1,312||$109|
|Ram Crew Cab TRX 2WD||$234||$312||$564||$34||$168||$1,312||$109|
|Ram Quad Cab SLT 4WD||$234||$312||$564||$34||$168||$1,312||$109|
|Ram Crew Cab ST 4WD||$234||$312||$564||$34||$168||$1,312||$109|
|Ram Crew Cab Sport 2WD||$260||$368||$564||$34||$168||$1,394||$116|
|Ram Quad Cab Sport 2WD||$260||$368||$564||$34||$168||$1,394||$116|
|Ram Quad Cab TRX4 Off Road 4WD||$260||$368||$564||$34||$168||$1,394||$116|
|Ram Crew Cab TRX 4WD||$260||$368||$564||$34||$168||$1,394||$116|
|Ram Crew Cab SLT 4WD||$260||$368||$564||$34||$168||$1,394||$116|
|Ram Quad Cab Laramie 2WD||$260||$368||$564||$34||$168||$1,394||$116|
|Ram Crew Cab Laramie 2WD||$260||$368||$564||$34||$168||$1,394||$116|
|Ram Crew Cab Sport 4WD||$260||$368||$564||$34||$168||$1,394||$116|
|Ram Quad Cab Sport 4WD||$260||$368||$564||$34||$168||$1,394||$116|
|Ram Crew Cab Laramie 4WD||$260||$424||$564||$34||$168||$1,450||$121|
|Ram Quad Cab Laramie 4WD||$260||$424||$564||$34||$168||$1,450||$121|
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in Dallas location which can decrease or increase price quotes greatly.
Figuring out which companies have the cheapest auto insurance rates for a Dodge Ram calls for a little more sweat in order to find coverage that fits your budget.
Each auto insurance company has a unique approach for determining rates, so we’ll take a look at the most budget-friendly auto insurance companies in Dallas. It’s important that readers know that Dallas auto insurance rates are influenced by many factors that will increase or decrease the policy premium. Improving your credit score, having a teenage driver, or having an at-fault accident may cause policy rate changes that can make some companies more affordable than competitors.
Cheap Insurance Rates for Your Ram Truck
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,199|
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Travelers generally has some of the lowest car insurance rates in Dallas at around $1,021 annually. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also rank well as some of the most economical Dallas, TX auto insurance companies.
As the rates illustrate above, if you currently have coverage with California Casualty and switched to USAA, you may see a yearly price reduction of approximately $287. Policyholders with Esurance might save as much as $312 a year, and State Farm customers might lower prices by up to $370 a year.
Be aware that those policy rates are averages for all types of insureds and vehicles and and are not calculated with a specific location for a Dodge Ram. So the car insurance company that fits your situation best may not even be in the top 23 companies shown above. That emphasizes why you need to get quotes using your own driver information and specific vehicle type.
Rate increases following a ticket or accident
A great way to maintain affordable auto insurance prices in Texas for a Ram pickup is to pay attention while driving and avoid getting tickets or having accidents. The diagram below highlights how speeding tickets and at-fault claims raise insurance premiums for different ages of insureds. The price estimates are based on a single male driver, full coverage, $500 deductibles, and no discounts are factored in.
The chart shows that the average cost of car insurance in Texas per year with no accidents and a clean driving record is $2,469. Receive one speeding ticket and the average cost increases to $2,785, an increase of $316 each year. Then include two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Dodge Ram increases to an average of $5,574. That’s an increase of $3,105, or $259 per month, just for being a little careless behind the wheel!
Who has the cheapest Ram insurance?
Dallas auto insurance rates are determined by lots of factors which can substantially change the cost of having a policy. Simply improving your credit, marrying your spouse, or having a fender bender can cause premium changes resulting in some companies being cheaper than others.
Not only may your situation change, but car insurance companies amend premium rates at least once a year to adjust for gains or losses. An extended period of higher than normal claims can cause rate hikes, while lower claim expenses may result in lower-priced Ram insurance rates.
The data below shows which companies have the cheapest car insurance in Dallas, TX for a 45-year-old female driver with a clear driving record, no claims, and a high credit rating. When comparing rates based on her personal profile, Travelers might offer the most affordable car insurance rates in Dallas at $1,289 per year. This is $615 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remaining top five cheapest Dallas, TX auto insurance companies.
The example below compares rates after we give the driver from the first example a chargeable claim, poor credit, and a stop sign violation. Due to the fact that every auto insurer uses their own calculation for determining prices, comparing prices could now result in a different set of affordable Dallas car insurance companies as shown below.
USAA now has the best insurance rate in Dallas with State Farm, Mercury, Nationwide, and Safe Auto completing the list. This shows why it is critical to compare as many rates as possible to find cheap car insurance quotes for a Dodge Ram. Auto insurance prices are influenced by many things and can change substantially, so the cheapest company when you last compared rates may now be an over-priced policy.
The Dallas car insurance agencies listed below can aid you in deciding which coverage meets your needs best, since some drivers have questions and prefer to get some professional input when comparing insurance rates for a Ram pickup. It can be challenging to find the cheapest rates, and insurance agents can add peace of mind knowing your policy gives you enough coverage if you have a claim.
To locate a Dallas car insurance agency near you, click the button following the list.
Carlos Luevano – State Farm Insurance Agent
4444 W Illinois Ave #304 – Dallas, TX 75211 – (214) 337-8888
Roxy Brown – State Farm Insurance Agent
12640 E Northwest Hwy, Ste 408 – Dallas, TX 75228 – (972) 681-6128
Laurence Cole Insurance Agency
6500 Greenville Ave #680 – Dallas, TX 75206 – (214) 823-2653