Buying cheap insurance for a Dodge Ram is pretty straightforward, but it depends on an enormous amount of factors such as how many years you have been driving, whether you are claim-free, and the deductible amount you use. Drivers in California will pay on average $2,063 annually for Ram insurance, but that price is an estimate using a 30-year-old single male driver with full comprehensive and collision coverage and $100 deductibles.
There is a good probability you aren’t exactly 30 years old or even a male, married instead of single, or you just want cheap liability insurance instead of full coverage. Everyone has unique insurance needs, and this illustrates why the only way to find the most affordable coverage for your Dodge is to do a thorough rate comparison.
Find Cheaper Dodge Ram Insurance
Your Dodge’s trim level tends to have a direct effect on the insurance rate, so the price you pay to insure a Ram Quad Cab ST 2WD will be $480 cheaper than the price to insure the more expensive Ram Quad Cab Laramie 4WD model, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $434 | $564 | $654 | $38 | $196 | $1,886 | $157 |
| Ram Quad Cab TRX4 Off Road 2WD | $490 | $686 | $654 | $38 | $196 | $2,064 | $172 |
| Ram Quad Cab SLT 2WD | $490 | $686 | $654 | $38 | $196 | $2,064 | $172 |
| Ram Crew Cab ST 2WD | $490 | $686 | $654 | $38 | $196 | $2,064 | $172 |
| Ram Quad Cab ST 4WD | $490 | $686 | $654 | $38 | $196 | $2,064 | $172 |
| Ram Crew Cab SLT 2WD | $490 | $686 | $654 | $38 | $196 | $2,064 | $172 |
| Ram Crew Cab TRX 2WD | $490 | $686 | $654 | $38 | $196 | $2,064 | $172 |
| Ram Quad Cab SLT 4WD | $490 | $686 | $654 | $38 | $196 | $2,064 | $172 |
| Ram Crew Cab ST 4WD | $490 | $686 | $654 | $38 | $196 | $2,064 | $172 |
| Ram Crew Cab Sport 2WD | $546 | $810 | $654 | $38 | $196 | $2,244 | $187 |
| Ram Quad Cab Sport 2WD | $546 | $810 | $654 | $38 | $196 | $2,244 | $187 |
| Ram Quad Cab TRX4 Off Road 4WD | $546 | $810 | $654 | $38 | $196 | $2,244 | $187 |
| Ram Crew Cab TRX 4WD | $546 | $810 | $654 | $38 | $196 | $2,244 | $187 |
| Ram Crew Cab SLT 4WD | $546 | $810 | $654 | $38 | $196 | $2,244 | $187 |
| Ram Quad Cab Laramie 2WD | $546 | $810 | $654 | $38 | $196 | $2,244 | $187 |
| Ram Crew Cab Laramie 2WD | $546 | $810 | $654 | $38 | $196 | $2,244 | $187 |
| Ram Crew Cab Sport 4WD | $546 | $810 | $654 | $38 | $196 | $2,244 | $187 |
| Ram Quad Cab Sport 4WD | $546 | $810 | $654 | $38 | $196 | $2,244 | $187 |
| Ram Crew Cab Laramie 4WD | $546 | $932 | $654 | $38 | $196 | $2,366 | $197 |
| Ram Quad Cab Laramie 4WD | $546 | $932 | $654 | $38 | $196 | $2,366 | $197 |
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can impact premiums substantially.
California insurance companies ranked
Finding a high-quality insurer can be rather challenging considering how many different companies insure vehicles in Bakersfield. The company information displayed below can help you analyze which coverage providers to look at purchasing coverage from. The ratings below include the largest auto insurers in America, so smaller companies will not be included in the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
The chart below highlights how deductible choice can raise or lower annual premium costs when trying to find cheap insurance for a Dodge Ram. The premiums are based on a single female driver, comp and collision included, and no discounts are factored in.
The data above shows that a 40-year-old driver could cut expenses by $434 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $656 by switching to a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could roll back prices as much as $1,098 or more by choosing larger deductibles on their policy. When choosing a higher deductible, it will be necessary to have plenty of discretionary funds to be able to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Does full coverage make sense?
Buying cheaper insurance should be important to most vehicle owners, and a good way to lower the cost of insurance for a Dodge Ram is to not pay for full coverage. The example below illustrates the comparison of car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The premiums assume a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no additional discounts are factored in.
If we average all the age groups together, full coverage costs $3,504 per year more than buying just liability insurance. That proposes the question if buying full coverage is a waste of money. There is no exact rule that is best for determining when to drop full coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
There are a few situations where dropping physical damage coverage is not recommended. If you haven’t paid off your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not opt for liability only.
How to get discounts on Bakersfield auto insurance
Auto insurance companies that offer quotes for a Dodge Ram may provide special discounts that could potentially reduce rates by as much as 35% or more if you meet the requirements. A list of companies and the discounts they provide can be read below.
- State Farm includes discounts for driver’s education, Drive Safe & Save, defensive driving training, safe vehicle, accident-free, and multiple policy.
- Liberty Mutual discounts include safety features, multi-policy, teen driver discount, hybrid vehicle, new vehicle discount, and newly retired.
- American Family may include discounts for TimeAway discount, air bags, bundled insurance, mySafetyValet, early bird, and accident-free.
- Progressive policyholders can earn discounts including online quote discount, multi-vehicle, good student, continuous coverage, homeowner, and online signing.
- Farmers Insurance has discounts for good student, mature driver, multi-car, homeowner, distant student, early shopping, and switch companies.
- Auto-Owners Insurance may offer discounts for safe vehicle, air bags, multiple vehicles, company car, and paid in full.
- SAFECO offers premium reductions for teen safety rewards, drive less, multi-car, homeowner, safe driver, and anti-lock brakes.
The chart below illustrates the difference between auto insurance rates with and without policy discounts. The data is based on a female driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with defensive driving course, claim-free, multiple policy, anti-theft, vehicle safety, and safe-driver discounts applied. When taking advantage of discounts, theamount saved on insurance for a Dodge Ram is 28% or $756.
If you aren’t sure which coverage you need and prefer to get help from a professional when comparing insurance rates for a Dodge Ram, the agents listed below are a good start to help you decide which auto insurance policy would work best for you.
To locate an agency closest to you, click the button following the list or click here to compare price quotes now.
- Tom Smethurst – State Farm Insurance Agent
13061 Rosedale Hwy a – Bakersfield, CA 93314 – (661) 589-1991 - Farmers Insurance – Scott Brown
6501 Schirra Ct #100 – Bakersfield, CA 93313 – (661) 837-4100 - David Hall – State Farm® Insurance Agent
5351 Olive Dr #300 – Bakersfield, CA 93308 – (661) 393-8326