Finding affordable coverage for a Dodge Ram is usually pretty straightforward, but it relies on a fairly complex equation with a lot of factors such as your gender, the likelihood of your vehicle being stolen, and citations or violations on your driving record. Drivers will pay on average $1,240 annually to insure their Ram, but that amount is an estimate using a 50-year-old married male driver with full coverage and $250 deductibles.
The problem with using this number is the good chance you’re not a 50-year-old male, possibly single instead of married, and you don’t want the same coverages and limits as the example. This demonstrates why the only way to find the most affordable coverage for your Dodge is to compare as many rates as you can. Quotes only take a few minutes and you will receive price comparisons from the best companies that insure vehicles in Texas.
Find Cheaper Dodge Ram Insurance
The specific trim level will most likely have an effect on the cost of coverage, so the price you will be charged to insure a Ram Quad Cab ST 2WD trim level will be $284 less expensive the price to insure the fancier Ram Quad Cab Laramie 4WD trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $230 | $346 | $414 | $24 | $124 | $1,138 | $95 |
| Ram Quad Cab TRX4 Off Road 2WD | $260 | $422 | $414 | $24 | $124 | $1,244 | $104 |
| Ram Quad Cab SLT 2WD | $260 | $422 | $414 | $24 | $124 | $1,244 | $104 |
| Ram Crew Cab ST 2WD | $260 | $422 | $414 | $24 | $124 | $1,244 | $104 |
| Ram Quad Cab ST 4WD | $260 | $422 | $414 | $24 | $124 | $1,244 | $104 |
| Ram Crew Cab SLT 2WD | $260 | $422 | $414 | $24 | $124 | $1,244 | $104 |
| Ram Crew Cab TRX 2WD | $260 | $422 | $414 | $24 | $124 | $1,244 | $104 |
| Ram Quad Cab SLT 4WD | $260 | $422 | $414 | $24 | $124 | $1,244 | $104 |
| Ram Crew Cab ST 4WD | $260 | $422 | $414 | $24 | $124 | $1,244 | $104 |
| Ram Crew Cab Sport 2WD | $288 | $496 | $414 | $24 | $124 | $1,346 | $112 |
| Ram Quad Cab Sport 2WD | $288 | $496 | $414 | $24 | $124 | $1,346 | $112 |
| Ram Quad Cab TRX4 Off Road 4WD | $288 | $496 | $414 | $24 | $124 | $1,346 | $112 |
| Ram Crew Cab TRX 4WD | $288 | $496 | $414 | $24 | $124 | $1,346 | $112 |
| Ram Crew Cab SLT 4WD | $288 | $496 | $414 | $24 | $124 | $1,346 | $112 |
| Ram Quad Cab Laramie 2WD | $288 | $496 | $414 | $24 | $124 | $1,346 | $112 |
| Ram Crew Cab Laramie 2WD | $288 | $496 | $414 | $24 | $124 | $1,346 | $112 |
| Ram Crew Cab Sport 4WD | $288 | $496 | $414 | $24 | $124 | $1,346 | $112 |
| Ram Quad Cab Sport 4WD | $288 | $496 | $414 | $24 | $124 | $1,346 | $112 |
| Ram Crew Cab Laramie 4WD | $288 | $572 | $414 | $24 | $124 | $1,422 | $119 |
| Ram Quad Cab Laramie 4WD | $288 | $572 | $414 | $24 | $124 | $1,422 | $119 |
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium costs do not factor in the specific area where the vehicle is garaged which can modify coverage prices noticeably.
Shopping around for low-cost auto insurance is not always easy, and deciding which company quotes the cheapest car insurance rates for a Dodge Ram will take even more work.
Every insurance company has a proprietary formula for setting prices, so we’ll go over the car insurance companies with the overall cheapest rates in Texas. It’s important to know that Laredo car insurance rates are influenced by many factors that will increase or decrease the policy price. That is why consumers need to take the time to spend some time comparing rates to find the cheapest auto insurance rates for a Dodge Ram. Rates are calculated by many things and change substantially, so the best option a year ago may now cost much more than other companies.
Lowest Insurance Price Quotes for Your Ram Truck
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,438 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,521 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,585 |
| 11 | Progressive | $1,664 |
| 12 | Allstate | $1,718 |
| 13 | Amica | $1,723 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,093 |
| 16 | MetLife | $2,249 |
| 17 | Encompass | $2,301 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,568 |
| Get Personalized Rates Go | ||
Travelers offers some of the best car insurance rates in Laredo at around $1,052 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the cheaper Laredo, TX car insurance companies.
As shown in the table above, if you are a customer of Germania Mutual and switched to Travelers, you could realize an annual savings of about $204. Texas drivers with Esurance could save as much as $313 a year, and California Casualty insureds might reduce prices by as much as $386 a year.
These policy prices are averages across all insureds and vehicles and do not factor in an exact zip code location for a Dodge Ram. So the auto insurance company that has the lowest price for you may not even be in the list above. That helps illustrate why you need to compare as many prices as possible using your own driver and vehicle profiles.
Get discount Laredo car insurance rates
Insurance providers that sell policies for a Dodge Ram may additionally offer rate discounts that can reduce rates by 40% or more if you are eligible. A few popular companies and a partial list of their discounts are outlined below.
- State Farm offers discounts for anti-theft, accident-free, safe vehicle, student away at school, passive restraint, multiple policy, and multiple autos.
- GEICO discounts include federal employee, good student, air bags, five-year accident-free, defensive driver, military active duty, and emergency military deployment.
- Allstate includes discounts for resident student, premier plus, premier discount, auto/life discount, new car, anti-theft, and EZ pay plan discount.
- SAFECO offers premium reductions for accident prevention training, teen safe driver, multi-car, drive less, and anti-theft.
- Farm Bureau policyholders can earn discounts including 55 and retired, driver training, multi-vehicle, multi-policy, good student, and safe driver.
- Progressive may offer discounts for homeowner, online signing, good student, multi-vehicle, online quote discount, and multi-policy.
- AAA may have discounts that include pay-in-full, multi-car, anti-theft, education and occupation, good driver, AAA membership discount, and multi-policy.
The illustration below shows the difference between auto insurance costs with and without discounts applied. The data assumes a female driver, no accidents, no driving violations, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple vehicle, vehicle safety, marriage, passive restraint, claim-free, and safe-driver discounts applied. In this example, theamount saved on car insurance for a Dodge Ram is 28% or $688.
The illustration below demonstrates how deductibles can change yearly insurance costs when getting quotes for cheap insurance for a Dodge Ram. Data assumes a single female driver, full coverage, and no additional discounts are factored in.
The data above shows that a 30-year-old driver could lower rates by $496 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $750 by selecting a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could potentially save as much as $1,100 or more by choosing larger deductibles on their policy. When choosing a higher deductible, it is necessary to have plenty of discretionary funds to satisfy the extra out-of-pocket expense, which is the main drawback of higher deductibles.
If you aren’t sure which coverage you need and prefer to have some professional guidance when shopping around for cheaper insurance for a Ram pickup, the insurance agencies listed below are willing to aid you in deciding which coverages are best.
To locate a Laredo car insurance agency close to you, click the link at the bottom.
Pronto Insurance
1315 San Dario Ave – Laredo, TX 78040 – (956) 724-2110
Texas Farm Bureau Insurance – Melissa Arce
1505 Calle Del Norte Dr #210 – Laredo, TX 78041 – (956) 712-3276
Allstate Insurance Agent: Luis Cardenas
1418 E Saunders St Ste 1 – Laredo, TX 78041 – (956) 726-8944
Insurance and Financial Services At Champions LLC
6019 McPherson Rd Ste 6 – Laredo, TX 78041 – (956) 717-5770
View more Laredo, TX insurance agents
How to find budget-friendly auto insurance for a Dodge Ram
Below you’ll find many thrifty solutions that can help drivers find cheap coverage.
- Increase your deductibles
- Keep your driving record clean
- Increase your credit score
- Save money by insuring older vehicles for liability only
- Do not get into accidents that are your fault
- The safer your car, the less it costs to insure
- Compare prices frequently to find the best deal
That final tip is highly crucial, as we hit on in the prior information. Coverage prices fluctuate considerably, so don’t be hesitant to buy a different policy if a more affordable price is available.
Sticking with a specific company is fine, but it isn’t a good idea if that inflexibility results in costing you hundreds of dollars year after year. If you have a few minutes, now is a great time to compare prices to find cheaper car insurance for a Dodge Ram in Laredo.