Buying cheap insurance for a Dodge Ram is fairly simple, but it relies on a large number of rating criteria such as age of the driver, your credit status, and any prior driving citations you have received. Alaska drivers will pay on average $1,263 annually to insure their Ram, but that amount is an approximation based on a 30-year-old single female driver with full physical damage coverage and $250 deductibles.
If we were betting, you may not be 30 years old (or even female), maybe you are married instead of single, and you need different coverage limits than the sample rates. Having even a minor difference in rating variables could end up in a significant change in policy price.
This shows why the way we recommend to find the most affordable coverage for your Dodge is to just take the time to compare rates yourself.
The trim level of your Dodge tends to have a direct impact on the yearly cost, so the cost to insure a Ram Quad Cab ST 2WD model will cost $294 less than the insurance cost for the more expensive Ram Quad Cab Laramie 4WD trim level, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$234||$358||$416||$24||$124||$1,156||$96|
|Ram Quad Cab TRX4 Off Road 2WD||$264||$436||$416||$24||$124||$1,264||$105|
|Ram Quad Cab SLT 2WD||$264||$436||$416||$24||$124||$1,264||$105|
|Ram Crew Cab ST 2WD||$264||$436||$416||$24||$124||$1,264||$105|
|Ram Quad Cab ST 4WD||$264||$436||$416||$24||$124||$1,264||$105|
|Ram Crew Cab SLT 2WD||$264||$436||$416||$24||$124||$1,264||$105|
|Ram Crew Cab TRX 2WD||$264||$436||$416||$24||$124||$1,264||$105|
|Ram Quad Cab SLT 4WD||$264||$436||$416||$24||$124||$1,264||$105|
|Ram Crew Cab ST 4WD||$264||$436||$416||$24||$124||$1,264||$105|
|Ram Crew Cab Sport 2WD||$294||$514||$416||$24||$124||$1,372||$114|
|Ram Quad Cab Sport 2WD||$294||$514||$416||$24||$124||$1,372||$114|
|Ram Quad Cab TRX4 Off Road 4WD||$294||$514||$416||$24||$124||$1,372||$114|
|Ram Crew Cab TRX 4WD||$294||$514||$416||$24||$124||$1,372||$114|
|Ram Crew Cab SLT 4WD||$294||$514||$416||$24||$124||$1,372||$114|
|Ram Quad Cab Laramie 2WD||$294||$514||$416||$24||$124||$1,372||$114|
|Ram Crew Cab Laramie 2WD||$294||$514||$416||$24||$124||$1,372||$114|
|Ram Crew Cab Sport 4WD||$294||$514||$416||$24||$124||$1,372||$114|
|Ram Quad Cab Sport 4WD||$294||$514||$416||$24||$124||$1,372||$114|
|Ram Crew Cab Laramie 4WD||$294||$592||$416||$24||$124||$1,450||$121|
|Ram Quad Cab Laramie 4WD||$294||$592||$416||$24||$124||$1,450||$121|
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Alaska minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Table data does not factor in vehicle garaging location which can change premium rates substantially.
How to find a good Anchorage insurance company
Finding a good quality insurance provider can be difficult considering how many choices there are in Anchorage. The company ratings listed below could help you decide which auto insurance companies you want to consider when comparing insurance rates for a Dodge Ram.
These ratings are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on Alaska business are not included in this list. To get rate quotes from the most competitive companies in Alaska, simply click here.
Top 10 Large Auto Insurers in Anchorage Ranked by Customer Satisfaction
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- GEICO – 89%
- The Hartford – 89%
- The General – 88%
- 21st Century – 88%
- Allstate – 88%
- Liberty Mutual – 88%
- Esurance – 87%
Top 10 Large Auto Insurers Overall in Anchorage
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Liberty Mutual
Discount Anchorage insurance rates
Insurers that offer coverage for a Dodge Ram may also give you discounts that could lower prices by as much as 35% if you are eligible. Larger insurance companies and some of their more popular discounts are included below.
- GEICO may have discounts that include military active duty, five-year accident-free, federal employee, seat belt use, multi-vehicle, and driver training.
- Auto-Owners Insurance may offer discounts for air bags, paid in full, safe driver, multiple vehicles, multi-policy, and good student.
- American Family offers premium reductions for Steer into Savings, early bird, TimeAway discount, multi-vehicle, good driver, and air bags.
- Esurance includes discounts for renters, multi-policy, online quote, online shopper, Pac-12 alumni, Switch & Save, and good student.
- Progressive policyholders can earn discounts including homeowner, multi-vehicle, continuous coverage, online signing, and good student.
- State Farm has discounts for student away at school, Drive Safe & Save, accident-free, safe vehicle, good student, and defensive driving training.
- AAA may include discounts for multi-car, education and occupation, good driver, multi-policy, good student, and AAA membership discount.
The illustration below shows the difference between annual premium costs with and without discounts applied to the policy premium. The premiums assume a female driver, no tickets, no at-fault accidents, Alaska state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with claim-free, multiple vehicle, homeowner, vehicle safety, accident-free, and multiple policy discounts applied. With discounts applied, the average amount saved each year on insurance for a Dodge Ram is 28% or $392.
How much more does full coverage cost?
Finding cheaper insurance should be important to the majority of drivers, and one way to find cheaper insurance for a Dodge Ram is to not buy comprehensive and collision coverage. The chart below compares premium costs with and without physical damage coverage. The premiums are based on a clean driving record, no claims, $1,000 deductibles, marital status is single, and no discounts are applied.
As an average, comprehensive and collision coverage on your policy costs an additional $1,571 per year over and above liability coverage. That is a significant amount which raises the question if buying full coverage is worth the expense. There is no set rule to exclude physical damage insurance, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.
Drive responsibly or pay higher rates
A great way to score the best insurance premiums for a Ram pickup is to pay attention while driving and maintain a clean driving record. The illustration below demonstrates how traffic citations and accident claims can affect annual premium costs for different categories of driver ages. The costs are based on a married male driver, full coverage, $250 deductibles, and no discounts are factored in.
The data charted above shows the average cost of car insurance per year with no accidents and a clean driving record is $1,694. Receive two speeding tickets and the average cost jumps to $2,340, an increase of $646 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of insurance for a Dodge Ram goes up to an average of $2,980. That’s an increase of $1,286, or $107 per month, just for not driving carefully!