About $1,333 a year for full coverage on a national average — 7% less than the $1,438 average car. Insurers rate the Dodge Ram at an index of 93 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2011-2013).
The premium isn't spread evenly across the Dodge Ram: Property damage — damage you cause to other property — carries its highest loss index at 128, while Medical payments sits at 76. Those 52 points are the real reason behind the price, and they are the part a quote form never shows you. Over 16 generations of data the index has fallen from 129 (2004-2006) to 93 (2011-2013). Calculated from 108 insurance-loss records.
Why a Ram costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,333: Liability (BI + PD) $640 · Collision $373 · Comprehensive $160 · Other (UM / PIP) $160.
How it changed by generation
Insurance-loss index of the Ram across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The Ram has become cheaper to insure over time (-36 points).
What a Ram costs by state
Where you park matters as much as what you drive. The Ram's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Ram est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Dodge Ram's loss index of 93 — your own quote also depends on age, record, deductible and ZIP.
Dodge Ram insurance — frequently asked
How much is insurance for a Dodge Ram?
About $1,333 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 93 applied to the US average premium.
Why is the Ram expensive or cheap to insure?
For the Dodge Ram the costliest area is Property damage at an index of 128, covering damage you cause to other property — against 76 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Dodge Ram lands at 93, not at what it costs new.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same Ram can differ by hundreds between two drivers.
How we work this out
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