Who Has the Cheapest Bakersfield Auto Insurance for a Dodge Ram?

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.

Dodge Ram Insurance Rates in Bakersfield, CA
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.

Top Insurance Companies for a Dodge Ram in California
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

Discounts on insurance for a Dodge RamAuto 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.

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.

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