Finding cheap auto insurance for a Dodge Ram is pretty easy to do, but it is dependent upon a lot of things such as how far you commute, the size of your vehicle, and driving citations. Drivers pay on average $1,002 each year for Ram insurance, but that figure is calculated based on a 50-year-old single female driver with full physical damage coverage and $500 deductibles.
The issue with using an average estimated rate is the likelihood you’re not a 50-year-old female, maybe you are married instead of single, and maybe you want higher deductibles. Have just a small change in rating variables or coverage information can result in a large change in how much coverage for a Dodge Ram costs.
Auto insurance is unique to each driver, so the only real way to find cheap auto insurance rates for your Dodge is to put in the effort to do a thorough rate comparison.
The specific trim level will influence the annual cost of coverage, so the price to insure a Ram Quad Cab ST 2WD model will be $206 less than the price to insure the higher-priced Ram Quad Cab Laramie 4WD version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$162||$254||$382||$22||$114||$934||$78|
|Ram Quad Cab TRX4 Off Road 2WD||$182||$308||$382||$22||$114||$1,008||$84|
|Ram Quad Cab SLT 2WD||$182||$308||$382||$22||$114||$1,008||$84|
|Ram Crew Cab ST 2WD||$182||$308||$382||$22||$114||$1,008||$84|
|Ram Quad Cab ST 4WD||$182||$308||$382||$22||$114||$1,008||$84|
|Ram Crew Cab SLT 2WD||$182||$308||$382||$22||$114||$1,008||$84|
|Ram Crew Cab TRX 2WD||$182||$308||$382||$22||$114||$1,008||$84|
|Ram Quad Cab SLT 4WD||$182||$308||$382||$22||$114||$1,008||$84|
|Ram Crew Cab ST 4WD||$182||$308||$382||$22||$114||$1,008||$84|
|Ram Crew Cab Sport 2WD||$204||$364||$382||$22||$114||$1,086||$91|
|Ram Quad Cab Sport 2WD||$204||$364||$382||$22||$114||$1,086||$91|
|Ram Quad Cab TRX4 Off Road 4WD||$204||$364||$382||$22||$114||$1,086||$91|
|Ram Crew Cab TRX 4WD||$204||$364||$382||$22||$114||$1,086||$91|
|Ram Crew Cab SLT 4WD||$204||$364||$382||$22||$114||$1,086||$91|
|Ram Quad Cab Laramie 2WD||$204||$364||$382||$22||$114||$1,086||$91|
|Ram Crew Cab Laramie 2WD||$204||$364||$382||$22||$114||$1,086||$91|
|Ram Crew Cab Sport 4WD||$204||$364||$382||$22||$114||$1,086||$91|
|Ram Quad Cab Sport 4WD||$204||$364||$382||$22||$114||$1,086||$91|
|Ram Crew Cab Laramie 4WD||$204||$418||$382||$22||$114||$1,140||$95|
|Ram Quad Cab Laramie 4WD||$204||$418||$382||$22||$114||$1,140||$95|
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Information does not factor in vehicle garaging location which can lower or raise coverage rates significantly.
Buying coverage from a highly-rated insurance company can be difficult considering how many companies are available to choose from in Omaha. The information in the lists below can help you choose which car insurance providers you want to consider purchasing a policy from.
The ratings below only include companies with a national presence, so smaller regional companies are not taken into consideration for the list. To compare price quotes and find the cheapest rates for a Dodge Ram, follow this link.
Top 10 Large Car Insurance Companies Overall in Omaha
- 21st Century
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- American Family
Impact of careless driving on insurance rates
In a perfect world, the ideal way to earn the best insurance premiums in Nebraska for a Ram pickup is to drive safe and not get tickets or have accidents. The illustration below illustrates how speeding tickets and at-fault claims can drive up insurance rates for different ages of insureds. The premiums are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.
The data above shows the average cost of a car insurance policy in Omaha per year with no violations or accidents is $1,541. Get written up for one speeding ticket and the average cost jumps to $1,794, an increase of $253 each year. Now get two accidents along with the one speeding ticket and the annual cost of insurance for a Dodge Ram goes up to an average of $4,013. That’s an increase of $2,472, or $206 per month, just for not being more responsible behind the wheel!
Discounts on Omaha auto insurance rates
Car insurance companies that offer quotes for a Dodge Ram may provide premium discounts that can lower rates by as much as 35% or more if you meet certain criteria. A few popular companies and some of the discounts can be found below.
- Progressive has discounts for online quote discount, good student, online signing, continuous coverage, multi-policy, and homeowner.
- MetLife has savings for multi-policy, claim-free, accident-free, good student, good driver, and defensive driver.
- Mercury Insurance may include discounts for multi-car, good student, location of vehicle, annual mileage, age of vehicle, type of vehicle, and anti-theft.
- Nationwide policyholders can earn discounts including Farm Bureau membership, multi-policy, accident-free, anti-theft, and easy pay.
- GEICO may have discounts that include air bags, emergency military deployment, defensive driver, military active duty, and daytime running lights.
- AAA may offer discounts for multi-car, multi-policy, good student, education and occupation, and pay-in-full.
The information below compares annual premium costs with and without discounts applied to the policy rates. Data assumes a female driver, no tickets, no at-fault accidents, Nebraska state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with multiple vehicle, claim-free, accident-free, defensive driving course, homeowner, and vehicle safety discounts applied. When taking advantage of discounts, the average amount saved each year on insurance for a Dodge Ram is 28% or $514.
How to find cheaper insurance for a Dodge Ram
It’s not impossible to find cheaper rates, and here are some thrifty suggestions that can help drivers locate more affordable auto insurance.
- Raise your deductibles
- Drive safely
- Avoid price increases by not filing claims
- Avoid at-fault accidents and claims
- Don’t waste money on full coverage for older vehicles
- Ensure you have the best deal by shopping around regularly
The last suggestion is remarkably valuable, as was stressed in this article. Insurance rates fluctuate considerably, so drivers shouldn’t be reluctant to buy from a different company if a cheaper rate is available.
Having a favorite company is fine, but it isn’t a good idea if that devotion results in you overpaying a considerable chunk of change every month. If you have a few minutes, shop around and find cheaper auto insurance for a Dodge Ram in Omaha.
If you have questions and prefer to have some professional guidance when shopping around for cheaper insurance for a Ram pickup, the agents listed below are willing to help you determine which coverages and limits you need. To locate an agency near you, click the button at the bottom of the list or click here to compare rates now.
Southwell Insurance Agency, LLC.
2809 S 160th St #307 – Omaha, NE 68130 – (402) 493-6940
16909 Burke St #125 – Omaha, NE 68118 – (402) 391-5100
Anthony Anderson – State Farm Insurance Agent
11204 Davenport St #200 – Omaha, NE 68154 – (402) 393-0300
State Farm: Kyle Emsick
1018 Dodge St #2 – Omaha, NE 68102 – (402) 558-5060