Cheapest Insurance Quotes for a Dodge Ram in Minnesota

The chances of buying cheaper auto insurance for a Dodge Ram in Minnesota hinges on lots of different factors such as how safe your vehicle is, if you have ever had a coverage lapse, and driving citations. Drivers on average will pay $1,060 every 12 months to insure a Dodge Ram, but that figure is an estimate assuming a 50-year-old single female driver who purchased both comprehensive and collision coverage and $500 policy deductibles.

But there is a high probability that you aren’t exactly 50 years old or even a female, you might be married instead of single, or maybe your Ram is a different trim level than the example. Auto insurance is not “one size fits all”, so the only way to find cheap auto insurance rates for your Dodge is to get into the habit of shopping around regularly. Comparing quotes is easy and you can get rates from some of the best insurers that insure vehicles in Minnesota.

Insure Your Dodge for Less

Vehicle trim level will likely have an effect on the annual cost of coverage, so the cost to insure a Ram Quad Cab ST 2WD model will be $218 lower than the price to insure the higher-priced Ram Quad Cab Laramie 4WD trim level, as shown by the rates below.

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in specific zip code location which can lower or raise coverage rates significantly.

Picking the highest-rated auto insurance company can be challenging considering how many different companies sell coverage in Minnesota. The ranking data listed below can help you analyze which car insurance companies you want to consider when comparing auto insurance rates for a Dodge Ram.

These rankings include the largest companies in the United States, so companies with more of a regional focus are not included in this list. To compare rates and find cheaper insurance for a Dodge Ram, just click here.

Top 10 Large Auto Insurers Overall in Minnesota

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top 10 Large Auto Insurers in Minnesota Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. Liberty Mutual
5. State Farm
6. Allstate
7. Safeco Insurance
8. Travelers
9. 21st Century
10. Nationwide

Top Companies for Dodge Ram Insurance in Minnesota

Full coverage rates vs. liability-only in Minnesota

Finding the cheapest insurance for a Dodge Ram in Minnesota is important to most drivers, and one good way to buy cheaper insurance is to buy only liability coverage. The illustration below illustrates the comparison of annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Minnesota. The premium estimates are based on no claims or violations, $500 deductibles, drivers are single, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 3503,1271],[‘Age 30’, 1847,699],[‘Age 40’, 1809,647],[‘Age 50’, 1649,605],[‘Age 60’, 1593,595],[‘Age 70’, 1953,795]]);var options = {title: ‘Rate Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Ram in Minnesota’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

As an average for all age groups, physical damage insurance costs $2,059 per year more than carrying just liability coverage. At some point, almost every driver questions if paying for full coverage is a waste of money. There isn’t a steadfast formula that works best for making the decision to drop physical damage coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

How careless driving impacts Minnesota auto insurance rates

The ideal way to score cheap auto insurance rates in Minnesota for a Ram pickup is to pay attention while driving and not get tickets or have accidents. The example below demonstrates how traffic citations and fender-benders raise auto insurance costs for each different age group. The data assumes a married male driver, full coverage, $500 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 2819,3065,5291],[‘Age 30’, 1471,1717,3941],[‘Age 40’, 1431,1673,3901],[‘Age 50’, 1309,1555,3781],[‘Age 60’, 1285,1531,3757],[‘Age 70’, 1495,1741,3969]]);var options = {title: ‘Effect of Tickets and Claims on Minnesota Dodge Ram Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Ram in Minnesota’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of car insurance in Minnesota per year with no violations or accidents is $1,635. Get one speeding ticket and the average cost surges to $1,880, an increase of $245 each year. Now include two accidents along with the one speeding ticket and the annual cost of auto insurance for a Dodge Ram jumps again to an average of $4,107. That’s an increase of $2,472, or $206 per month, just for not keeping your driving record clean!