Buying cheap auto insurance for a Dodge Ram depends on a lot of rating criteria such as how many miles you drive each year, whether you are claim-free, and the deductible amount you use. Minnesota drivers pay around $1,308 each year for Ram insurance, but that price is a valuation using a 30-year-old single female driver with full physical damage coverage and $500 deductibles.
The issue that arises when projecting rates is that it’s very likely that you aren’t exactly 30 years old or even a female, possibly married instead of single, and you might want liability-only or different deductibles. Every driver’s needs are different, and that is why the best method for finding cheap auto insurance rates for your Dodge is to just take the time to compare rates yourself. Quotes only take a few minutes and you will be able to compare rates from top-rated car insurance companies that sell coverage in Minnesota.
The trim level of your vehicle has an effect on price, so the price you will pay to insure a Ram Quad Cab ST 2WD trim level will be $276 less than the price to insure the more expensive Ram Quad Cab Laramie 4WD trim level, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $222 | $336 | $484 | $28 | $144 | $1,214 | $101 |
| Ram Quad Cab TRX4 Off Road 2WD | $250 | $410 | $484 | $28 | $144 | $1,316 | $110 |
| Ram Quad Cab SLT 2WD | $250 | $410 | $484 | $28 | $144 | $1,316 | $110 |
| Ram Crew Cab ST 2WD | $250 | $410 | $484 | $28 | $144 | $1,316 | $110 |
| Ram Quad Cab ST 4WD | $250 | $410 | $484 | $28 | $144 | $1,316 | $110 |
| Ram Crew Cab SLT 2WD | $250 | $410 | $484 | $28 | $144 | $1,316 | $110 |
| Ram Crew Cab TRX 2WD | $250 | $410 | $484 | $28 | $144 | $1,316 | $110 |
| Ram Quad Cab SLT 4WD | $250 | $410 | $484 | $28 | $144 | $1,316 | $110 |
| Ram Crew Cab ST 4WD | $250 | $410 | $484 | $28 | $144 | $1,316 | $110 |
| Ram Crew Cab Sport 2WD | $278 | $482 | $484 | $28 | $144 | $1,416 | $118 |
| Ram Quad Cab Sport 2WD | $278 | $482 | $484 | $28 | $144 | $1,416 | $118 |
| Ram Quad Cab TRX4 Off Road 4WD | $278 | $482 | $484 | $28 | $144 | $1,416 | $118 |
| Ram Crew Cab TRX 4WD | $278 | $482 | $484 | $28 | $144 | $1,416 | $118 |
| Ram Crew Cab SLT 4WD | $278 | $482 | $484 | $28 | $144 | $1,416 | $118 |
| Ram Quad Cab Laramie 2WD | $278 | $482 | $484 | $28 | $144 | $1,416 | $118 |
| Ram Crew Cab Laramie 2WD | $278 | $482 | $484 | $28 | $144 | $1,416 | $118 |
| Ram Crew Cab Sport 4WD | $278 | $482 | $484 | $28 | $144 | $1,416 | $118 |
| Ram Quad Cab Sport 4WD | $278 | $482 | $484 | $28 | $144 | $1,416 | $118 |
| Ram Crew Cab Laramie 4WD | $278 | $556 | $484 | $28 | $144 | $1,490 | $124 |
| Ram Quad Cab Laramie 4WD | $278 | $556 | $484 | $28 | $144 | $1,490 | $124 |
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price information does not factor in your specific Minneapolis location which can lower or raise premiums greatly.
Picking the best car insurance provider is hard considering how many choices there are in Minnesota. The ranking information in the next section could help you analyze which insurers you want to consider comparing price quotes from.
The rankings below are for large nationwide companies, so smaller companies are not included in these rankings. To compare price quotes from these and other companies in Minnesota, click this link.
Top 10 Large Car Insurance Companies in Minneapolis Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Liberty Mutual
- State Farm
- Allstate
- Safeco Insurance
- Travelers
- 21st Century
- Nationwide
Top 10 Large Car Insurance Companies Overall in Minneapolis
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Drive responsibly or pay higher rates
The easiest way to maintain good car insurance premiums for a Ram pickup is to drive safe and avoid accidents and keep your driving record clean. The information below illustrates how traffic citations and at-fault collisions impact insurance rates for different age groups. Data assumes a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.
In the prior example, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,917. Add in one speeding ticket and the average cost hikes up to $2,162, an increase of $246 each year. Then add in two accidents along with the one speeding ticket and the yearly cost of car insurance for a Dodge Ram increases to an average of $4,390. That’s an increase of $2,473, or $206 per month, just for a couple of infractions!
Get discount Minneapolis insurance rates
Auto insurance companies that sell policies for a Dodge Ram may have special discounts that may potentially lower prices by 25% or more if you meet the requirements. A list of car insurance companies and some of the premium reductions they offer are outlined below.
- GEICO includes discounts for federal employee, seat belt use, anti-lock brakes, multi-vehicle, and driver training.
- Travelers offers premium reductions for payment discounts, early quote, continuous insurance, hybrid/electric vehicle, good student, home ownership, and multi-policy.
- Farm Bureau discounts include 55 and retired, good student, safe driver, multi-vehicle, driver training, renewal discount, and youthful driver.
- Liberty Mutual policyholders can earn discounts including hybrid vehicle, new vehicle discount, new move discount, teen driver discount, multi-policy, exclusive group savings, and good student.
- American Family may offer discounts for good driver, bundled insurance, multi-vehicle, air bags, and mySafetyValet.
- Progressive may include discounts for continuous coverage, multi-policy, homeowner, good student, multi-vehicle, and online signing.
The diagram below shows the difference between car insurance costs with and without discounts applied to the premium. The information is based on a female driver, no driving violations, no at-fault accidents, Minnesota state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, passive restraint, anti-theft, multiple policy, vehicle safety, and safe-driver discounts applied. When taking advantage of discounts, the average amount saved each year on car insurance for a Dodge Ram is 28% or $507.
The chart below illustrates how your choice of deductibles can influence insurance costs when researching cheap insurance for a Dodge Ram. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.
In the chart above, a 30-year-old driver could reduce rates by $312 a year by switching from a $100 deductible up to a $500 deductible, or save $472 by using a $1,000 deductible. Young drivers, like the age 20 example, could shave up to $668 or more just by choosing higher deductibles when buying full coverage. When raising deductibles, it will be important to have enough funds in savings to enable you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.