Buying affordable car insurance for a Dodge Ram is usually pretty straightforward, but it depends on a lot of rating factors such as your gender, your geographic location, and driving violations. Florida drivers will pay on average $1,703 each year for Ram insurance, but that price is using a 30-year-old married male driver with both comprehensive and collision coverage and $100 deductibles.
There’s a good chance you’re not a 30-year-old male, maybe you are single instead of married, or maybe you don’t qualify for the same discounts. Even a minor difference in rating variables or coverage information could result in a significant change in how much insurance for a Dodge Ram costs.
Auto insurance is not the same for everyone, so the way we recommend to find the cheapest rates for your Dodge is to do a thorough rate comparison. It’s really quite easy you will receive rate quotes from the best auto insurance companies in Florida.
The specific model of Ram can impact the coverage cost, so the rate you will pay to insure a Ram Quad Cab ST 2WD trim level will be $442 lower than the cost to insure the more well-appointed Ram Quad Cab Laramie 4WD version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $358 | $532 | $472 | $28 | $142 | $1,532 | $128 |
| Ram Quad Cab TRX4 Off Road 2WD | $406 | $648 | $472 | $28 | $142 | $1,696 | $141 |
| Ram Quad Cab SLT 2WD | $406 | $648 | $472 | $28 | $142 | $1,696 | $141 |
| Ram Crew Cab ST 2WD | $406 | $648 | $472 | $28 | $142 | $1,696 | $141 |
| Ram Quad Cab ST 4WD | $406 | $648 | $472 | $28 | $142 | $1,696 | $141 |
| Ram Crew Cab SLT 2WD | $406 | $648 | $472 | $28 | $142 | $1,696 | $141 |
| Ram Crew Cab TRX 2WD | $406 | $648 | $472 | $28 | $142 | $1,696 | $141 |
| Ram Quad Cab SLT 4WD | $406 | $648 | $472 | $28 | $142 | $1,696 | $141 |
| Ram Crew Cab ST 4WD | $406 | $648 | $472 | $28 | $142 | $1,696 | $141 |
| Ram Crew Cab Sport 2WD | $452 | $764 | $472 | $28 | $142 | $1,858 | $155 |
| Ram Quad Cab Sport 2WD | $452 | $764 | $472 | $28 | $142 | $1,858 | $155 |
| Ram Quad Cab TRX4 Off Road 4WD | $452 | $764 | $472 | $28 | $142 | $1,858 | $155 |
| Ram Crew Cab TRX 4WD | $452 | $764 | $472 | $28 | $142 | $1,858 | $155 |
| Ram Crew Cab SLT 4WD | $452 | $764 | $472 | $28 | $142 | $1,858 | $155 |
| Ram Quad Cab Laramie 2WD | $452 | $764 | $472 | $28 | $142 | $1,858 | $155 |
| Ram Crew Cab Laramie 2WD | $452 | $764 | $472 | $28 | $142 | $1,858 | $155 |
| Ram Crew Cab Sport 4WD | $452 | $764 | $472 | $28 | $142 | $1,858 | $155 |
| Ram Quad Cab Sport 4WD | $452 | $764 | $472 | $28 | $142 | $1,858 | $155 |
| Ram Crew Cab Laramie 4WD | $452 | $880 | $472 | $28 | $142 | $1,974 | $165 |
| Ram Quad Cab Laramie 4WD | $452 | $880 | $472 | $28 | $142 | $1,974 | $165 |
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price estimates do not factor in specific Tampa garaging location which can revise auto insurance rates substantially.
Finding good, reasonably-priced insurance is not the easiest thing to accomplish, and determining which insurers offer the lowest-priced insurance rates for a Dodge Ram requires more quotes for comparison. Every insurance provider has their own process for determining rates in each state, so we’ll go over the most affordable insurance companies in Tampa, FL.
Best Car Insurance Prices for Your Ram Truck
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $957 |
| 2 | Electric | $1,746 |
| 3 | Amica | $1,764 |
| 4 | Progressive | $1,793 |
| 5 | Allied | $1,926 |
| 6 | Travelers | $1,926 |
| 7 | Mercury | $1,992 |
| 8 | State Farm | $2,047 |
| 9 | Esurance | $2,082 |
| 10 | GEICO | $2,086 |
| 11 | Auto-Owners | $2,107 |
| 12 | Allstate | $2,411 |
| 13 | 21st Century | $2,445 |
| 14 | Windhaven Insurance | $2,575 |
| 15 | MetLife | $2,900 |
| 16 | Safeco | $2,927 |
| 17 | Liberty Mutual | $3,009 |
| 18 | Hanover | $3,024 |
| 19 | United Automobile | $3,562 |
| 20 | Direct General | $3,902 |
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USAA has some of the most affordable car insurance rates in Tampa at around $957 per year. Electric, Amica, Progressive, and Allied would also make the list of some of the most economical Tampa, FL car insurance companies.
As the example above demonstrates, if you currently have coverage with Allied and switched to Electric, you might see savings of upwards of $180. Florida drivers with Travelers could save as much as $180 a year, and Mercury insureds might see rate reductions of $246 a year.
Understand that those premiums are averages across all drivers and vehicles in Florida and and are not calculated with a specific location for a Dodge Ram. So the car insurance company that can offer the best rates for your situation may not even be in the top 21 companies shown above. That emphasizes why you need to quote rates from many companies using your own specific driver and vehicle information.
Discount Tampa car insurance rates
Insurers that sell policies for a Dodge Ram could also offer price discounts that can lower rates by 40% or more if you meet specific criteria. Popular insurance companies and their offered discounts can be read below.
- State Farm may include discounts for multiple autos, Drive Safe & Save, defensive driving training, driver’s education, good student, and good driver.
- GEICO policyholders can earn discounts including federal employee, multi-vehicle, defensive driver, multi-policy, and five-year accident-free.
- Liberty Mutual includes discounts for new vehicle discount, teen driver discount, hybrid vehicle, multi-car, good student, and preferred payment discount.
- The Hartford discounts include anti-theft, air bag, vehicle fuel type, defensive driver, driver training, bundle, and good student.
- MetLife offers discounts including accident-free, claim-free, defensive driver, good student, good driver, and multi-policy.
- Progressive has discounts for online signing, homeowner, multi-policy, multi-vehicle, and good student.
The illustration below visualizes the comparison of auto insurance costs with and without discounts. The price estimates are based on a male driver, no accidents, no driving violations, Florida state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple policy, marriage, claim-free, vehicle safety, accident-free, and homeowner discounts applied. When drivers take advantage of discounts, the average amount saved each year on insurance for a Dodge Ram is 28% or $917.
Why are you paying too much to insure your Ram?
Tampa insurance rates are determined by lots of factors which can substantially change the cost of your policy. Simply getting older, buying higher coverage limits, or having a fender bender may generate price changes that can now make some companies cheaper in comparison to the competition. Not only may your situation change, but companies change rates at least once a year to ensure their profitability. Higher than normal claims can cause increased policy costs, while better underwriting can produce cheaper Ram insurance rates.
To illustrate this point, the graph below compares the cheapest car insurance in Tampa, FL for a 30-year-old female driver with a clean driving record, no accidents, and excellent credit. If we compare prices based on her current situation, USAA has the cheapest car insurance rates in Tampa at $1,517 each year. This is $931 less than the average premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers round out the rest of the best Tampa, FL auto insurance companies.
In this example, we will give the driver from the first example a couple of claims, poor credit, and a blemish on her driving record. Because each insurer has a unique formula for determining rates in each state, analyzing rate quotes could now result in a different set of affordable companies as shown below.
USAA now has the lowest price on auto insurance in Tampa, FL with Allied, Esurance, State Farm, and Auto-Owners also having competitive pricing. This example illustrates why it is so important to perform a complete rate comparison to get the most economical auto insurance rates for a Dodge Ram.
Car insurance prices consist of many factors and change dramatically, so the best option a year ago may now be an over-priced policy.