Buying cheap coverage for a Dodge Ram in California is dependent upon lots of different factors such as how many years you have been driving, your credit status, and driving violations. Drivers in California pay around $1,409 each year for Ram insurance, but that figure is an approximation based on a 50-year-old married female driver with full comprehensive and collision coverage and $250 deductibles.
It’s more than likely you aren’t exactly 50 years old or even a female, possibly single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Having what appears to be a very minor change in the criteria used to calculate rates could end up in a significant change in how much insurance for a Dodge Ram costs.
Auto insurance requires individual risk assessment, so the best method for finding the cheapest coverage for your Dodge is to compare as many rates as you can.
Your vehicle’s trim level will likely have an effect on price, so the price you will be charged to insure a Ram Quad Cab ST 2WD will be $324 cheaper than the price to insure the high end Ram Quad Cab Laramie 4WD trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $262 | $392 | $470 | $28 | $140 | $1,292 | $108 |
| Ram Quad Cab TRX4 Off Road 2WD | $296 | $478 | $470 | $28 | $140 | $1,412 | $118 |
| Ram Quad Cab SLT 2WD | $296 | $478 | $470 | $28 | $140 | $1,412 | $118 |
| Ram Crew Cab ST 2WD | $296 | $478 | $470 | $28 | $140 | $1,412 | $118 |
| Ram Quad Cab ST 4WD | $296 | $478 | $470 | $28 | $140 | $1,412 | $118 |
| Ram Crew Cab SLT 2WD | $296 | $478 | $470 | $28 | $140 | $1,412 | $118 |
| Ram Crew Cab TRX 2WD | $296 | $478 | $470 | $28 | $140 | $1,412 | $118 |
| Ram Quad Cab SLT 4WD | $296 | $478 | $470 | $28 | $140 | $1,412 | $118 |
| Ram Crew Cab ST 4WD | $296 | $478 | $470 | $28 | $140 | $1,412 | $118 |
| Ram Crew Cab Sport 2WD | $330 | $562 | $470 | $28 | $140 | $1,530 | $128 |
| Ram Quad Cab Sport 2WD | $330 | $562 | $470 | $28 | $140 | $1,530 | $128 |
| Ram Quad Cab TRX4 Off Road 4WD | $330 | $562 | $470 | $28 | $140 | $1,530 | $128 |
| Ram Crew Cab TRX 4WD | $330 | $562 | $470 | $28 | $140 | $1,530 | $128 |
| Ram Crew Cab SLT 4WD | $330 | $562 | $470 | $28 | $140 | $1,530 | $128 |
| Ram Quad Cab Laramie 2WD | $330 | $562 | $470 | $28 | $140 | $1,530 | $128 |
| Ram Crew Cab Laramie 2WD | $330 | $562 | $470 | $28 | $140 | $1,530 | $128 |
| Ram Crew Cab Sport 4WD | $330 | $562 | $470 | $28 | $140 | $1,530 | $128 |
| Ram Quad Cab Sport 4WD | $330 | $562 | $470 | $28 | $140 | $1,530 | $128 |
| Ram Crew Cab Laramie 4WD | $330 | $648 | $470 | $28 | $140 | $1,616 | $135 |
| Ram Quad Cab Laramie 4WD | $330 | $648 | $470 | $28 | $140 | $1,616 | $135 |
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price information does not factor in your specific Irvine location which can lower or raise rates substantially.
Best insurance company in California
Insuring your vehicle with the best car insurance company is difficult considering how many companies there are to choose from in California. The company rank data shown below may help you choose which coverage providers you want to consider when shopping insurance around for a Dodge Ram.
These ratings are only made up of the largest companies in the United States, so companies that focus mainly on California business will not be included in these rankings. To check prices and find the cheapest rates for a Dodge Ram, click here.
| 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
Discounts on Irvine insurance rates
Insurance providers that provide coverage for a Dodge Ram may have policy discounts that may potentially lower prices by as much as 40% or more if you qualify. A list of companies and a summarized list of policyholder discounts are included below.
- Farm Bureau offers discounts including driver training, renewal discount, multi-vehicle, multi-policy, 55 and retired, youthful driver, and safe driver.
- Liberty Mutual has savings for good student, newly retired, teen driver discount, new move discount, new graduate, and safety features.
- State Farm discounts include student away at school, safe vehicle, accident-free, defensive driving training, Steer Clear safe driver discount, good driver, and anti-theft.
- Auto-Owners Insurance may offer discounts for student away at school, company car, multi-policy, mature driver, and anti-theft.
- GEICO may include discounts for seat belt use, membership and employees, emergency military deployment, multi-vehicle, five-year accident-free, and defensive driver.
- SAFECO has discounts for multi-car, teen safety rewards, safe driver, accident prevention training, and anti-lock brakes.
The chart below visualizes the comparison of insurance costs with and without discounts applied to the rates. The data is based on a female driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, anti-theft, accident-free, defensive driving course, passive restraint, and homeowner discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on insurance for a Dodge Ram is 28% or $707.
Your low-price policy may be costing you money
California insurance rates are impacted by many factors which can substantially change the price you have to pay. Simply getting older, getting divorced, or getting a reckless driving citation can produce rate changes resulting in some rates now being affordable when they were higher priced.
In addition to those changes, insurance companies change their prices multiple times each year in order to protect their financial rating. Heavier than normal losses can result in higher rates, while lower claim levels can produce more affordable Ram insurance rates.
For instance, the chart below demonstrates which company has the cheapest car insurance in Irvine, CA for a 45-year-old male driver with no violations or accidents, and a high credit rating. When quoting prices based on his current situation, USAA might quote the cheapest car insurance rates in Irvine at $1,148 a year. This is $503 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the rest of the most affordable Irvine, CA auto insurance companies.
Now we will pretend the driver from the above example a chargeable claim, a lower credit rating, and a speeding ticket. Due to the fact that every auto insurer has a unique formula for filing rates in each state, getting updated rate quotes may now result in a completely different list of the cheapest Irvine car insurance companies as shown below.
Grange now has the best price on car insurance in Irvine, CA with Mercury, Progressive, Allstate, and GEICO now being in the top five. This example shows why drivers need to compare many different companies when trying to find the most economical car insurance rates for a Dodge Ram.
Car insurance prices can be altered by many different factors and can increase or decrease at any time, so the best company a year ago may now be priced much higher than other options.
How to find cheaper car insurance for a Dodge Ram
The list below shows a few money-saving solutions that can help California drivers buy lower-cost coverage.
- Maintain a safe distance and avoid accidents
- Drive safely
- Pay for small claims rather than turning them in to your insurance company
- Home or renters coverage can save on auto insurance
- Safer vehicles generally have cheaper insurance rates
- Comparison shop at least every other year
The last tip in the list is incredibly crucial, as was stressed in the prior article. Insurance rates go up and down frequently, so don’t be hesitant to switch companies if you can find a cheaper rate. Staying with the same company for years is fine, but is isn’t recommended if that inflexibility results in costing you thousands of dollars over several years. In just a few minutes you could shop around and find cheaper car insurance for a Dodge Ram in Irvine.