How Much is Insurance for a Dodge Ram in Colorado?

When we talk about auto insurance, the words cheap or affordable should not be used anywhere in the article. Notwithstanding, cheap auto insurance for a Dodge Ram is not easy to find. But fear not, because we will show you how you can still find and buy coverage that is more affordable than your current policy.

The chances of finding cheaper coverage for a Dodge Ram in Colorado is contingent on a whole bunch of factors like whether or not your vehicle has good safety ratings, whether or not you have had gaps between policies, and blemishes on your driving record. Drivers in Colorado pay on average $1,130 per year for Ram insurance, but that amount is that uses rate data for a 40-year-old married female that included full comprehensive and collision coverage and $500 deductibles.

There is a really good chance that you are not 40 and possibly not even female, possibly single instead of married, or maybe your Ram is old enough that it doesn’t require full coverage. Every driver’s needs are different, and that is why the best way to find the cheapest rates for your Dodge is to take your time and compare rates from as many companies as possible.

Compare Dodge Ram Insurance Rates

Your Dodge’s trim level will most likely have an effect on the annual cost of coverage, so the rate you pay to insure a Ram Quad Cab ST 2WD trim level will be $240 lower than the insurance cost for the high end Ram Quad Cab Laramie 4WD model, as shown by the rates below.

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Prices do not factor in zip code location which can modify rates considerably.

Establishing which company offers the best car insurance rates for a Dodge Ram involves a little more effort in order to find the best price. Each insurance company has a different formula for determining prices, so we’ll take a look at the most affordable car insurance companies in Colorado.

Best Insurance Companies for Your Ram Truck

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The Hartford quotes some of the lowest car insurance rates in Colorado at around $834 a year. Grange, USAA, Nationwide, and GEICO also rank well as some of the more affordable Colorado insurance companies.

In the above rates, if you have coverage with Nationwide and switched to The Hartford, you might realize a yearly price reduction of about $275. Customers with GEICO might save as much as $307 a year, and Auto-Owners insureds might lower prices by up to $358 a year.

Be aware that those premium estimates are averaged for all ages of drivers and types of vehicles and do not take into consideration a specific rate value for a Dodge Ram. So the car insurance company that has the cheapest price for you may not even be included in the above rate chart. That affirms the importance of why you need to quote rates from many companies using your own driver information and specific vehicle type.

The information below shows how different deductible levels can increase or decrease premium costs when searching for cheap insurance for a Dodge Ram. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

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A 50-year-old driver could save $352 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $532 by using a $1,000 deductible. Youthful drivers, like the Age 20 category, can cut as much as $1,168 annually just by choosing higher deductibles. When insureds make the decision to increase the deductibles on their policy, it is essential to have additional savings on hand to be able to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Discount Colorado auto insurance

Car insurance companies that offer cheap insurance for a Dodge Ram in Colorado may also offer premium discounts that may potentially lower prices by as much as 40% or more if you qualify. A few popular companies and a summarized list of policyholder discounts can be read below.

The illustration below illustrates the comparison of yearly insurance costs with and without some available policy discounts. The price estimates are based on a male driver, no violations or accidents, Colorado state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with marriage, anti-theft, safe-driver, passive restraint, homeowner, and defensive driving course discounts applied. When these discounts are applied to the policy premium, the the average amount saved on car insurance for a Dodge Ram is % or $.

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Allstate, State Farm, Progressive, or Geico: Which is best?

When comparing rates for auto insurance, four good companies to start with are Allstate, State Farm, Progressive, and Geico. All four can cover your vehicle for liability and physical damage, but each one has slightly different coverage options that may influence your buying decision. The data below compares pricing and service ratings, as well as optional policy coverages that are available from each company.