Buying affordable coverage for a Dodge Ram hinges on a large number of factors such as miles driven annually, your credit history, and the deductible amount you use. Drivers in Pennsylvania pay approximately $1,262 a year to insure their Ram, but that price is based upon a 40-year-old single female driver with full coverage and $500 deductibles.
Most likely you’re not a 40-year-old female, married instead of single, and you don’t want the same coverages and limits as the example. There is no perfect policy for every driver, so the best way to find cheap car insurance rates for your Dodge is to put in the effort to do a thorough rate comparison.
The specific model of Ram can impact the cost of insurance, so the price you will pay to insure a Ram Quad Cab ST 2WD model will be $260 cheaper than the price to insure the more expensive Ram Quad Cab Laramie 4WD trim level, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $198 | $322 | $484 | $28 | $144 | $1,176 | $98 |
| Ram Quad Cab TRX4 Off Road 2WD | $224 | $390 | $484 | $28 | $144 | $1,270 | $106 |
| Ram Quad Cab SLT 2WD | $224 | $390 | $484 | $28 | $144 | $1,270 | $106 |
| Ram Crew Cab ST 2WD | $224 | $390 | $484 | $28 | $144 | $1,270 | $106 |
| Ram Quad Cab ST 4WD | $224 | $390 | $484 | $28 | $144 | $1,270 | $106 |
| Ram Crew Cab SLT 2WD | $224 | $390 | $484 | $28 | $144 | $1,270 | $106 |
| Ram Crew Cab TRX 2WD | $224 | $390 | $484 | $28 | $144 | $1,270 | $106 |
| Ram Quad Cab SLT 4WD | $224 | $390 | $484 | $28 | $144 | $1,270 | $106 |
| Ram Crew Cab ST 4WD | $224 | $390 | $484 | $28 | $144 | $1,270 | $106 |
| Ram Crew Cab Sport 2WD | $250 | $460 | $484 | $28 | $144 | $1,366 | $114 |
| Ram Quad Cab Sport 2WD | $250 | $460 | $484 | $28 | $144 | $1,366 | $114 |
| Ram Quad Cab TRX4 Off Road 4WD | $250 | $460 | $484 | $28 | $144 | $1,366 | $114 |
| Ram Crew Cab TRX 4WD | $250 | $460 | $484 | $28 | $144 | $1,366 | $114 |
| Ram Crew Cab SLT 4WD | $250 | $460 | $484 | $28 | $144 | $1,366 | $114 |
| Ram Quad Cab Laramie 2WD | $250 | $460 | $484 | $28 | $144 | $1,366 | $114 |
| Ram Crew Cab Laramie 2WD | $250 | $460 | $484 | $28 | $144 | $1,366 | $114 |
| Ram Crew Cab Sport 4WD | $250 | $460 | $484 | $28 | $144 | $1,366 | $114 |
| Ram Quad Cab Sport 4WD | $250 | $460 | $484 | $28 | $144 | $1,366 | $114 |
| Ram Crew Cab Laramie 4WD | $250 | $530 | $484 | $28 | $144 | $1,436 | $120 |
| Ram Quad Cab Laramie 4WD | $250 | $530 | $484 | $28 | $144 | $1,436 | $120 |
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in specific location information which can decrease or increase insurance rates significantly.
Ending up with a highly-rated auto insurance provider is difficult considering how many choices drivers have in Pittsburgh. The rank data displayed below may help you analyze which auto insurance companies to look at when trying find the best insurance for a Dodge Ram. The rankings below are only made up of the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in Pennsylvania are not taken into consideration for the list.
Top 10 Major Auto Insurance Providers in Pittsburgh Ranked by Customer Satisfaction
- Titan Insurance – 93%
- The Hartford – 93%
- The General – 91%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- Erie Insurance – 87%
- State Farm – 87%
- Travelers – 87%
- Safeco Insurance – 86%
Top 10 Major Auto Insurance Providers in Pittsburgh Ranked by Value
- The General
- The Hartford
- Titan Insurance
- Farmers Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
- Travelers
- Progressive
The example below illustrates how choosing a deductible can impact annual premium costs when searching for cheap insurance for a Dodge Ram. The information is based on a married female driver, comp and collision included, and no discounts are factored in.
The chart above illustrates that a 50-year-old driver could reduce rates by $278 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $422 by choosing a $1,000 deductible. Younger drivers, like the Age 20 chart data, have the ability to save as much as $694 or more by selecting a higher deductible.
When using a larger deductible, it will be required to have enough funds in savings to offset the extra out-of-pocket expense, which deters some people from using high deductibles.
Get discounts on Pittsburgh car insurance
Auto insurance companies that provide coverage for a Dodge Ram may also offer premium discounts that could reduce prices by as much as 30% if you meet specific eligibility requirements. Larger auto insurance companies and the discounts they provide are:
- Progressive may include discounts for continuous coverage, multi-vehicle, homeowner, online signing, and online quote discount.
- The Hartford policyholders can earn discounts including anti-theft, good student, bundle, vehicle fuel type, and defensive driver.
- Mercury Insurance offers discounts including professional/association, ease of repair, multi-car, good student, age of vehicle, location of vehicle, and annual mileage.
- GEICO includes discounts for air bags, military active duty, five-year accident-free, defensive driver, federal employee, and seat belt use.
- AAA discounts include good student, multi-policy, AAA membership discount, multi-car, and anti-theft.
- State Farm offers discounts for safe vehicle, multiple policy, passive restraint, Steer Clear safe driver discount, and Drive Safe & Save.
The diagram below shows the difference between yearly insurance costs with and without some available policy discounts. Data assumes a female driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with anti-theft, passive restraint, claim-free, accident-free, safe-driver, and vehicle safety discounts applied. When these discounts are applied, theamount saved on auto insurance for a Dodge Ram is 28% or $627.
Full coverage rates compared to liability-only
Paying a lower price for auto insurance should be important to most people, and one common way to pay less for insurance for a Dodge Ram is to only buy liability coverage. The diagram below shows the comparison of car insurance costs with full coverage and liability only. The information is based on no claims or driving citations, $250 deductibles, marital status is single, and no discounts are factored in.
If the expense is averaged for all age categories, full coverage costs an additional $2,391 per year more than buying just liability insurance. A very common question is if it’s worth it to buy full coverage. There is no exact formula to delete comp and collision coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.