Cheapest Insurance for a Dodge Ram in South Carolina

The chances that you’ll find the cheapest car insurance for a Dodge Ram in South Carolina relies on lots of different factors like driver age, if you have a coverage lapse, and blemishes on your driving record. South Carolina drivers will pay on average $1,470 every 12 months to buy Dodge Ram insurance, but that cost is a ballpark figure assuming a 30-year-old single male who requires full coverage including both comprehensive and collision and $250 deductibles.

There’s a high likelihood you aren’t exactly 30 years old or even a male, you might be married instead of single, and you possibly have other drivers on your policy that need factored in. Auto insurance is unique to every driver, so the most reliable method for finding the cheapest rates for your Dodge is to get into the habit of comparing rates once a year.

Find Cheaper Dodge Ram Insurance

Your Dodge’s trim level will have an impact the cost of coverage, so the price you pay to insure a Ram Quad Cab ST 2WD model will be $314 cheaper than the price to insure the higher-priced Ram Quad Cab Laramie 4WD trim level, as shown by the rates below.

Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Prices do not factor in vehicle location which can raise or lower auto insurance rates significantly.

Selecting the top insurance provider is difficult considering how many different insurance companies sell coverage in South Carolina. The company ratings shown below can help you choose which auto insurers you want to consider shopping prices with.

These rankings are only comprised of major nationwide insurance companies, so companies that may only write in South Carolina will not be included in this list. To compare prices from many more South Carolina auto insurance companies, follow this link.

Top 10 Major Auto Insurers Overall in South Carolina

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Top Companies for Dodge Ram Insurance in South Carolina

How to get discounts on South Carolina auto insurance

Car insurance companies that sell the cheapest insurance for a Dodge Ram in South Carolina may additionally offer rate discounts that could reduce prices by 40% or more if you meet the requirements. A few popular companies and some of the premium reductions they offer can be read below.

The example below shows the comparison of insurance costs with and without discounts applied to the premium. The premiums are based on a female driver, no claims, a clean driving record, South Carolina state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with homeowner, claim-free, accident-free, anti-theft, defensive driving course, and passive restraint discounts applied. When drivers take advantage of discounts, the the average amount saved on car insurance for a Dodge Ram is 32% or $671.

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Impact of careless driving on car insurance rates

The obvious way to get the cheapest insurance for a Dodge Ram in South Carolina is to be an attentive driver and avoid accidents and traffic violations. The example below illustrates how violations and at-fault accidents can affect insurance premiums for different age groups. The price estimates are based on a single female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

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 One Accident’],[‘Age 20’, 3463,3777,4651],[‘Age 30’, 2403,2717,3593],[‘Age 40’, 2229,2541,3417],[‘Age 50’, 1949,2265,3137],[‘Age 60’, 1881,2195,3071],[‘Age 70’, 2189,2501,3379]]);var options = {title: ‘Impact of Citations and Accidents on South Carolina 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 South Carolina’,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);}

In the chart above, the average cost of a car insurance policy in South Carolina per year with no accidents and a clean driving record is $2,352. Add in one speeding ticket and the average cost hikes up to $2,666, an increase of $314 each year. Then include one accident along with the one speeding ticket and the yearly cost of car insurance for a Dodge Ram jumps again to an average of $3,541. That’s an increase of $1,189, or $99 per month, just for not keeping your driving record clean!

Find the cheapest insurance for a Dodge Ram in South Carolina

It is possible to find better rates, and here are many money-saving suggestions that can help South Carolina drivers buy more affordable coverage.

• Prevent rate increases by staying accident-free
• Drive a car with a high safety rating
• Home or renters coverage can save on auto insurance
• Tickets and violations raise rates
• Don’t have frequent claims
• Compare rates once a year for cheaper prices

That last tip is incredibly important, as we hit on in this write-up. Insurance prices can change considerably in a year, so drivers shouldn’t hesitate to change to a new company if a more affordable price is available.

Staying with the same car insurance company is fine, but it’s not a good idea if that loyalty ends up costing several hundred dollars every year. It only takes a couple minutes to compare prices and find cheaper car insurance for a Dodge Ram.

Which car insurance company is best?

When it comes to insurance for a Ram pickup in South Carolina, four companies to definitely compare rates with are State Farm, Progressive, Allstate, and Geico. Combined they insure almost 50% of the entire U.S. auto insurance market. All four offer physical damage and liability coverage, but each has a little bit different set of discounts and options that shoppers can choose from. The table below ranks some of the different features shoppers can expect to find with each one.