Finding affordable coverage for a Dodge Ram hinges on a complicated rating formula that uses factors such as whether the vehicle is new, your occupation, and the deductible amount you use. Texas drivers will pay on average $1,463 per year to insure their Ram, but that price is an estimate calculated based on a 40-year-old single female driver with full comprehensive and collision coverage and $500 deductibles.
There’s a high likelihood you’re not a 40-year-old female, you might be married instead of single, and you need different coverage limits than the sample rates. Even a minor difference in the rating criteria used to formulate rates can result in a large change in the cost of a policy.
There is no perfect policy for every driver, so the best method for finding the cheapest insurance price for your Dodge is to compare as many rates as you can.
The specific model of Ram will have an impact the cost of insurance, so the price you will pay to insure a Ram Quad Cab ST 2WD model will be $300 less expensive the price to insure the more expensive Ram Quad Cab Laramie 4WD version, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $230 | $372 | $560 | $34 | $168 | $1,364 | $114 |
| Ram Quad Cab TRX4 Off Road 2WD | $260 | $452 | $560 | $34 | $168 | $1,474 | $123 |
| Ram Quad Cab SLT 2WD | $260 | $452 | $560 | $34 | $168 | $1,474 | $123 |
| Ram Crew Cab ST 2WD | $260 | $452 | $560 | $34 | $168 | $1,474 | $123 |
| Ram Quad Cab ST 4WD | $260 | $452 | $560 | $34 | $168 | $1,474 | $123 |
| Ram Crew Cab SLT 2WD | $260 | $452 | $560 | $34 | $168 | $1,474 | $123 |
| Ram Crew Cab TRX 2WD | $260 | $452 | $560 | $34 | $168 | $1,474 | $123 |
| Ram Quad Cab SLT 4WD | $260 | $452 | $560 | $34 | $168 | $1,474 | $123 |
| Ram Crew Cab ST 4WD | $260 | $452 | $560 | $34 | $168 | $1,474 | $123 |
| Ram Crew Cab Sport 2WD | $288 | $532 | $560 | $34 | $168 | $1,582 | $132 |
| Ram Quad Cab Sport 2WD | $288 | $532 | $560 | $34 | $168 | $1,582 | $132 |
| Ram Quad Cab TRX4 Off Road 4WD | $288 | $532 | $560 | $34 | $168 | $1,582 | $132 |
| Ram Crew Cab TRX 4WD | $288 | $532 | $560 | $34 | $168 | $1,582 | $132 |
| Ram Crew Cab SLT 4WD | $288 | $532 | $560 | $34 | $168 | $1,582 | $132 |
| Ram Quad Cab Laramie 2WD | $288 | $532 | $560 | $34 | $168 | $1,582 | $132 |
| Ram Crew Cab Laramie 2WD | $288 | $532 | $560 | $34 | $168 | $1,582 | $132 |
| Ram Crew Cab Sport 4WD | $288 | $532 | $560 | $34 | $168 | $1,582 | $132 |
| Ram Quad Cab Sport 4WD | $288 | $532 | $560 | $34 | $168 | $1,582 | $132 |
| Ram Crew Cab Laramie 4WD | $288 | $614 | $560 | $34 | $168 | $1,664 | $139 |
| Ram Quad Cab Laramie 4WD | $288 | $614 | $560 | $34 | $168 | $1,664 | $139 |
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in vehicle location which can modify auto insurance rates noticeably.
Ending up with a highly-rated insurer can be a challenge considering how many companies provide coverage in Texas. The company information in the lists below can help you pick which companies you want to consider when insurance shopping for a Dodge Ram.
The rankings below are only comprised of the largest auto insurers in America, so companies that have a smaller presence will not be included in this list. To get rate quotes from the insurers below and more, just click here.
Top 10 Large Auto Insurance Providers in Austin Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Drive responsibly or pay higher rates
In a perfect world, the best way to enjoy low auto insurance prices in Austin for a Ram pickup is to be an attentive driver and avoid getting tickets or having accidents. The example below highlights how traffic violations and at-fault accidents influence premium costs for different age groups of insureds. Data assumes a single male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
In the previous example, the average cost of car insurance in Austin per year with no accidents or violations is $3,026. Receive two speeding tickets and the average cost rises to $4,024, an increase of $998 each year. Then include one accident along with the two speeding tickets and the yearly cost of auto insurance for a Dodge Ram goes up to an average of $5,019. That’s an increase of $1,993, or $166 per month, just for a couple of infractions!
Types of discounts on Austin insurance rates
Insurance companies that provide coverage for a Dodge Ram may also provide special discounts that could potentially reduce rates by 40% or more if you are eligible for them. A list of auto insurance companies and the discounts they provide are:
- State Farm offers discounts including good student, accident-free, multiple policy, driver’s education, Steer Clear safe driver discount, and safe vehicle.
- Progressive discounts include multi-policy, multi-vehicle, homeowner, online quote discount, continuous coverage, online signing, and good student.
- Travelers may include discounts for driver training, multi-car, hybrid/electric vehicle, IntelliDrive, multi-policy, new car, and payment discounts.
- American Family policyholders can earn discounts including defensive driver, accident-free, air bags, early bird, TimeAway discount, good driver, and mySafetyValet.
- Liberty Mutual offers discounts for safety features, multi-car, new vehicle discount, new graduate, hybrid vehicle, and new move discount.
The information below compares insurance costs with and without discounts applied to the policy premium. The price estimates are based on a male driver, a clean driving record, no claims, Texas state minimum liability limits, full physical damage coverage, and $1,000 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, multiple vehicle, marriage, safe-driver, vehicle safety, and multiple policy discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on auto insurance for a Dodge Ram is 28% or $642.
The information below shows how choosing a deductible can affect insurance rates when getting quotes for cheap insurance for a Dodge Ram. Data assumes a single male driver, comp and collision included, and no other discounts are factored in.
A 40-year-old driver could lower rates by $452 a year by increasing from a $100 deductible to a $500 deductible, or save $682 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old, could possibly save up to $1,476 or more by choosing a higher deductible.
When increasing deductibles, it will be important to have emergency funds available to allow you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.