Buying cheaper auto insurance for a Dodge Ram in Virginia depends on a fairly complex equation with a lot of factors such as your marital status, the size of your vehicle, and physical damage deductibles. Drivers will pay on average $963 each year to insure their Ram, but that is a projection calculated using a 40-year-old single male driver with full coverage and $500 deductibles.
More likely than not, you aren’t exactly 40 years old or even a male, married instead of single, and you need different coverage limits than the sample rates. There is no one cookie-cutter policy that works for everyone, so the only real way to find affordable rates for your Dodge is to just take the time to compare rates yourself.
The trim level of your Dodge will influence price, so the price you will pay to insure a Ram Quad Cab ST 2WD trim level will be $208 less expensive the insurance cost for the more costly Ram Quad Cab Laramie 4WD model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$158||$256||$352||$20||$106||$892||$74|
|Ram Quad Cab TRX4 Off Road 2WD||$178||$310||$352||$20||$106||$966||$81|
|Ram Quad Cab SLT 2WD||$178||$310||$352||$20||$106||$966||$81|
|Ram Crew Cab ST 2WD||$178||$310||$352||$20||$106||$966||$81|
|Ram Quad Cab ST 4WD||$178||$310||$352||$20||$106||$966||$81|
|Ram Crew Cab SLT 2WD||$178||$310||$352||$20||$106||$966||$81|
|Ram Crew Cab TRX 2WD||$178||$310||$352||$20||$106||$966||$81|
|Ram Quad Cab SLT 4WD||$178||$310||$352||$20||$106||$966||$81|
|Ram Crew Cab ST 4WD||$178||$310||$352||$20||$106||$966||$81|
|Ram Crew Cab Sport 2WD||$200||$366||$352||$20||$106||$1,044||$87|
|Ram Quad Cab Sport 2WD||$200||$366||$352||$20||$106||$1,044||$87|
|Ram Quad Cab TRX4 Off Road 4WD||$200||$366||$352||$20||$106||$1,044||$87|
|Ram Crew Cab TRX 4WD||$200||$366||$352||$20||$106||$1,044||$87|
|Ram Crew Cab SLT 4WD||$200||$366||$352||$20||$106||$1,044||$87|
|Ram Quad Cab Laramie 2WD||$200||$366||$352||$20||$106||$1,044||$87|
|Ram Crew Cab Laramie 2WD||$200||$366||$352||$20||$106||$1,044||$87|
|Ram Crew Cab Sport 4WD||$200||$366||$352||$20||$106||$1,044||$87|
|Ram Quad Cab Sport 4WD||$200||$366||$352||$20||$106||$1,044||$87|
|Ram Crew Cab Laramie 4WD||$200||$422||$352||$20||$106||$1,100||$92|
|Ram Quad Cab Laramie 4WD||$200||$422||$352||$20||$106||$1,100||$92|
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in vehicle location which can modify auto insurance rates substantially.
Ending up with a good quality auto insurance company is hard considering how many companies sell insurance in Virginia. The rank data shown below may help you select which companies you want to consider when comparing auto insurance rates for a Dodge Ram. The ratings below include large nationwide companies, so smaller companies are not factored into this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Violations and accidents raise rates
The common sense way to find low auto insurance prices in Virginia Beach for a Ram pickup is to be a careful driver and avoid traffic citations and accidents. The diagram below shows how violations and at-fault collisions raise insurance premiums for different age groups. The costs are based on a single male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
In the chart above, the average cost of an auto insurance policy in Virginia Beach per year with no accidents or violations is $1,884. Get written up for one speeding ticket and the average cost rises to $2,122, an increase of $238 each year. Now add in one accident along with the one speeding ticket and the yearly cost of auto insurance for a Dodge Ram increases to an average of $2,787. That’s an increase of $902, or $75 per month, just for not paying attention while driving!
Get discount Virginia Beach auto insurance rates
Auto insurance companies that offer coverage for a Dodge Ram may provide rate discounts that could reduce prices by as much as 40% or more if you qualify. A few of the larger companies and the discounts they provide can be found below.
- Progressive policyholders can earn discounts including good student, multi-policy, continuous coverage, homeowner, multi-vehicle, online signing, and online quote discount.
- Farmers Insurance offers discounts for youthful driver, good student, electronic funds transfer, homeowner, and teen driver.
- Farm Bureau offers discounts including multi-vehicle, youthful driver, driver training, 55 and retired, safe driver, and renewal discount.
- State Farm offers premium reductions for anti-theft, multiple autos, Steer Clear safe driver discount, safe vehicle, Drive Safe & Save, passive restraint, and student away at school.
- GEICO has discounts for defensive driver, emergency military deployment, driver training, multi-policy, seat belt use, membership and employees, and anti-lock brakes.
- SAFECO may include discounts for safe driver, multi-car, anti-lock brakes, anti-theft, teen safe driver, and teen safety rewards.
- Liberty Mutual discounts include new vehicle discount, good student, safety features, multi-car, new move discount, new graduate, and hybrid vehicle.
The diagram below illustrates the comparison of car insurance rates with and without some available policy discounts. The information is based on a female driver, no violations or claims, Virginia state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with multiple policy, homeowner, accident-free, claim-free, multiple vehicle, and passive restraint discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for a Dodge Ram is 27% or $534.
The chart below illustrates how choosing a deductible can influence insurance prices when researching cheap insurance for a Dodge Ram. Data assumes a married female driver, full physical damage coverage, and no discounts are factored in.
In the chart above, a 40-year-old driver could lower their policy premium by $220 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $330 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could save as much as $542 every year by using a higher deductible. When choosing a higher deductible, it will be necessary to have plenty of savings on hand to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.