The words “economical” and “insurance” probably shouldn’t be used in the same sentence, especially when you are shopping around for the lowest insurance rates for a Dodge Ram. Because of the high cost, let’s open your eyes to a few of the things that help determine car insurance rates, and come up with some ideas to lower the cost of your next policy.
One of the many considerations that aid in calculating the amount you pay for auto insurance is where you call home. Cities with larger populations or higher claim trends are more likely to pay higher prices, whereas areas with less crime or weather claims have the enjoyment of a little cheaper coverage.
The next table shows the most expensive places in California for a Dodge Ram to purchase a policy in. Irvine is listed at #22 with the yearly price of $1,371 for the average insurance policy, which is about $114 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,142 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,596 |
| 7 | Fontana | $1,581 |
| 8 | Santa Clarita | $1,580 |
| 9 | Long Beach | $1,578 |
| 10 | Stockton | $1,556 |
| 11 | Modesto | $1,547 |
| 12 | Moreno Valley | $1,536 |
| 13 | Garden Grove | $1,508 |
| 14 | Fresno | $1,502 |
| 15 | Santa Ana | $1,497 |
| 16 | Anaheim | $1,488 |
| 17 | Riverside | $1,482 |
| 18 | Fremont | $1,403 |
| 19 | Bakersfield | $1,394 |
| 20 | San Jose | $1,381 |
| Compare Prices Now Go | ||
Annual rates are estimated as specific Irvine zip code can affect premiums considerably.
Shopping around for cheap auto insurance is not the easiest thing to do, and determining which company offers the lowest-priced insurance rates for a Dodge Ram calls for a little more work. Each auto insurer has a unique formula for establishing rates, so let’s begin by taking a look at the insurance companies with the most affordable rates in California.
We do need to point out that Irvine insurance rates are impacted by many things that can increase the policy premium. Simply improving your credit score, having a teenage driver, or getting a ticket for careless driving can trigger rate changes that can now make some companies more affordable than the competition.
Cheap Insurance Rates for Your Ram Truck
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,157 |
| 3 | CSAA | $1,198 |
| 4 | Nationwide | $1,213 |
| 5 | Century National | $1,214 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,542 |
| 9 | Mercury | $1,548 |
| 10 | Allied | $1,556 |
| 11 | GEICO | $1,559 |
| 12 | Allstate | $1,559 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,654 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,750 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $1,966 |
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USAA offers some of the lowest car insurance rates in Irvine at around $1,143 per year. Wawanesa, CSAA, Nationwide, and Century National also rank well as some of the best Irvine, CA insurance companies.
As shown in the table above, if you currently buy coverage from Nationwide and switched to Wawanesa, you might see yearly savings of upwards of $56. Customers with Century National may save as much as $57 a year, and 21st Century insureds might cut rates by $168 a year.
To compare your rates to other California insurance companies, click here to get quotes or click through to the companies below.
Bear in mind that those estimates are averages across all types of insureds and vehicles and are not factoring in a specific location for a Dodge Ram. So the car insurance company that has the lowest price for you may not even be in the top 24 companies in the list above. That points out the importance of why you need to get rate quotes using your own driver and vehicle profiles.
Types of discounts on Irvine auto insurance rates
Car insurance companies that offer quotes for a Dodge Ram may additionally offer discounts that could lower prices by as much as 30% if you qualify for them. Popular insurance companies and the discounts they provide are outlined below.
- Progressive policyholders can earn discounts including online signing, online quote discount, multi-policy, multi-vehicle, and homeowner.
- SAFECO has savings for multi-car, homeowner, teen safe driver, drive less, anti-theft, anti-lock brakes, and bundle discounts.
- American Family may include discounts for bundled insurance, multi-vehicle, defensive driver, accident-free, and good driver.
- MetLife includes discounts for good driver, good student, claim-free, defensive driver, multi-policy, and accident-free.
- GEICO may offer discounts for multi-policy, air bags, seat belt use, emergency military deployment, anti-theft, membership and employees, and daytime running lights.
- The Hartford may have discounts that include air bag, bundle, anti-theft, defensive driver, and good student.
The example below visualizes the comparison of car insurance costs with and without discounts being applied to the rates. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with marriage, multiple policy, anti-theft, accident-free, homeowner, and claim-free discounts applied. When drivers take advantage of discounts, the average amount saved each year on insurance for a Dodge Ram is 28% or $516.
Cautious Irvine drivers save money
In a perfect world, the best way to obtain good insurance prices in California for a Ram pickup is to be a safe driver and avoid accidents and traffic violations. The information below demonstrates how speeding tickets and fender-benders can raise insurance premiums for different insured age categories. The data assumes a married female driver, full coverage, $250 deductibles, and no other discounts are factored in.
The data in the chart shows the average cost of auto insurance per year with no accidents and a clean driving record is $2,421. Get two speeding tickets and the average cost rises to $3,450, an increase of $1,029 each year. Then add in two accidents along with the two speeding tickets and the yearly cost of insurance for a Dodge Ram increases to an average of $7,218. That’s an increase of $4,797, or $400 per month, just for not paying attention while driving!
Why you should be shopping around
California insurance rates are impacted by many factors that may substantially change your annual premium. Improving your credit score, having a teen driver, or getting a speeding ticket may cause policy rate changes that can make some companies more affordable than before.
And not only may your rating factors change, but auto insurance companies amend pricing as often as every three months to help ensure profitability. Larger than normal claims may result in increased policy costs, while profitable underwriting may produce lower-cost Irvine car insurance rates.
To illustrate this example, the chart below analyzes the cheapest car insurance in Irvine, CA for a 35-year-old female driver with a clean driving record, no accidents, and solid credit. If we estimate prices based on her personal risk profile, USAA might offer the most affordable car insurance rates in Irvine at $1,143 per year. This is $508 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the remainder of the cheapest Irvine, CA auto insurance companies.
Now let’s give the driver from the first rate comparison a chargeable claim, a little lower credit rating, and a stop sign violation. Due to the fact that each insurance company has a unique formula for establishing rates, analyzing rate quotes most likely will result in a slightly 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 Progressive, Allied, Mercury, and Allstate now being in the top five. This demonstrates why it is critical to perform an extensive rate comparison when trying to get the most budget-friendly insurance rates for a Dodge Ram.
Insurance prices are calculated by many factors and change frequently, so the cheapest company the last time you compared rates may now be costing you a lot of money.