Finding affordable auto insurance for a Dodge Ram doesn’t take too much effort, but it is dependent upon many factors such as whether you are single or married, where you live, and the deductible amount you use. Drivers pay on average $1,253 a year for Ram insurance, but that figure is a valuation based upon a 40-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.
There is a good probability you may not be 40 years old (or even male), you might be married instead of single, and maybe you want different deductibles. Even a minor change in policy rating criteria or coverages may result in significant differences in policy price.
Different coverage needs are the reason why the only way to find affordable rates for your Dodge is to do a thorough rate comparison. Quotes only take a couple of minutes and you will receive price comparisons from the best auto insurance companies in Texas.
The trim level of your Ram will be a contributing factor to price, so the price you pay to insure a Ram Quad Cab ST 2WD model will cost $238 less than the price to insure the more expensive Ram Quad Cab Laramie 4WD version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $178 | $294 | $520 | $30 | $156 | $1,178 | $98 |
| Ram Quad Cab TRX4 Off Road 2WD | $202 | $358 | $520 | $30 | $156 | $1,266 | $106 |
| Ram Quad Cab SLT 2WD | $202 | $358 | $520 | $30 | $156 | $1,266 | $106 |
| Ram Crew Cab ST 2WD | $202 | $358 | $520 | $30 | $156 | $1,266 | $106 |
| Ram Quad Cab ST 4WD | $202 | $358 | $520 | $30 | $156 | $1,266 | $106 |
| Ram Crew Cab SLT 2WD | $202 | $358 | $520 | $30 | $156 | $1,266 | $106 |
| Ram Crew Cab TRX 2WD | $202 | $358 | $520 | $30 | $156 | $1,266 | $106 |
| Ram Quad Cab SLT 4WD | $202 | $358 | $520 | $30 | $156 | $1,266 | $106 |
| Ram Crew Cab ST 4WD | $202 | $358 | $520 | $30 | $156 | $1,266 | $106 |
| Ram Crew Cab Sport 2WD | $224 | $422 | $520 | $30 | $156 | $1,352 | $113 |
| Ram Quad Cab Sport 2WD | $224 | $422 | $520 | $30 | $156 | $1,352 | $113 |
| Ram Quad Cab TRX4 Off Road 4WD | $224 | $422 | $520 | $30 | $156 | $1,352 | $113 |
| Ram Crew Cab TRX 4WD | $224 | $422 | $520 | $30 | $156 | $1,352 | $113 |
| Ram Crew Cab SLT 4WD | $224 | $422 | $520 | $30 | $156 | $1,352 | $113 |
| Ram Quad Cab Laramie 2WD | $224 | $422 | $520 | $30 | $156 | $1,352 | $113 |
| Ram Crew Cab Laramie 2WD | $224 | $422 | $520 | $30 | $156 | $1,352 | $113 |
| Ram Crew Cab Sport 4WD | $224 | $422 | $520 | $30 | $156 | $1,352 | $113 |
| Ram Quad Cab Sport 4WD | $224 | $422 | $520 | $30 | $156 | $1,352 | $113 |
| Ram Crew Cab Laramie 4WD | $224 | $486 | $520 | $30 | $156 | $1,416 | $118 |
| Ram Quad Cab Laramie 4WD | $224 | $486 | $520 | $30 | $156 | $1,416 | $118 |
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rates do not factor in vehicle garaging location which can alter coverage prices noticeably.
Which car insurance company is best in Texas?
Choosing a high-quality insurance company is hard considering how many different insurance companies sell coverage in San Antonio. The information shown next may help you choose which providers to look at purchasing coverage from. These rankings only include the companies with a significant amount of written premium nationwide, so companies that have a smaller presence are not factored into the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
Rate increases following a ticket or accident
The easiest way to enjoy good car insurance prices in San Antonio for a Ram pickup is to be a careful driver and have a clean driving record. The information below shows how speeding tickets and accident claims can impact insurance costs for each age group. The data assumes a single female driver, full coverage, $500 deductibles, and no discounts are factored in.
In the prior example, the average cost of car insurance in Texas per year with no violations or accidents is $2,350. Add in two speeding tickets and the average cost jumps to $3,148, an increase of $798 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of car insurance for a Dodge Ram jumps again to an average of $3,946. That’s an increase of $1,596, or $133 per month, just for not driving attentively!
How much more does full coverage cost in San Antonio?
Reducing the cost of car insurance should be important to most drivers, and a good way to pay lower rates for insurance for a Dodge Ram is to not buy comprehensive and collision coverage. The chart below visualizes the comparison of insurance costs with liability coverage only compared to full coverage. The premiums are based on no accidents or driving violations, $100 deductibles, single marital status, and no other discounts are factored in.
Averaged for all age groups, comp and collision coverage costs $3,026 per year over having just liability coverage. That is a large expense and it proposes the question if paying for full coverage is worth it. There is no set rule of when to eliminate full coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s pretend your vehicle’s claim settlement value is $5,500 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,500 after you pay the deductible. If premiums are more than $450 annually for your policy with full coverage, then it might be time to consider dropping full coverage.
There are some situations where removing full coverage is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not remove full coverage.
How to find low-cost car insurance for a Dodge Ram
The list below shows some of the recommended thrifty solutions that can help you find more affordable auto insurance.
- Be a cautious driver
- Increase your comprehensive and collision deductibles
- Too many claims can make car insurance unaffordable
- Good credit scores may lower your rates
- Avoid accidents
- Bundle home or renters insurance to earn a discount on car insurance
- Shop around for cheaper prices
That last piece of advice is remarkably valuable, as was stressed in the article above. Insurance rates fluctuate constantly, so drivers shouldn’t hesitate to change to a new company if a more affordable price is available. Staying with the same company for years is fine, but it’s not recommended if that devotion results in you overpaying several hundred dollars every year. Spend a few minutes and compare rates to find cheaper insurance for a Dodge Ram in San Antonio.