Cheapest Insurance Quotes for a Dodge Ram in Louisiana

When we talk about auto insurance, the words “cheap” or “affordable” really shouldn’t be used as a descriptor for car insurance rates. Excuse the oxymoron, but cheap car insurance for a Dodge Ram can be extremely hard to find. Don’t let that ruin your day, because we are going to tell you how you can find and buy insurance that most people can afford.

The likelihood of finding cheaper car insurance for a Dodge Ram in Louisiana relies on things like the amount of driving experience you have, your occupation, and any past driving violations you may have had. Drivers will pay on average $1,170 every 12 months to buy insurance for a Dodge Ram, but that rate is a projection that uses a 50-year-old married female with full comprehensive and collision coverage and $1,000 policy deductibles.

But there is a good chance that you are not 50 and possibly not even female, you might be single instead of married, or maybe you’ve had an at-fault accident or two. Auto insurance is not “one size fits all”, so the best way to find cheap insurance prices for your Dodge is to do your own rate comparisons.

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The trim level of your vehicle will influence the annual cost of coverage, so the rate you will pay to insure a Ram Quad Cab ST 2WD model will be $212 less than the price to insure the higher-priced Ram Quad Cab Laramie 4WD version, as shown by the rates below.

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Estimates do not factor in your specific Louisiana location which can revise price quotes significantly.

What is the best insurance company in Louisiana?

Buying coverage from the best insurance company can be a challenge considering how many different companies insure vehicles in Louisiana. The ranking information listed below could help you pick which companies you want to consider comparing rates with.

These rankings only include the largest auto insurers in America, so smaller companies that only insure vehicles in Louisiana will not be included in the list. To compare price quotes from these companies and more, click this link.

The chart below illustrates how your choice of deductibles can increase or decrease insurance costs when researching cheap insurance for a Dodge Ram. The premiums assume a single male driver, comp and collision included, and no other discounts are factored in.

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In the chart above, a 30-year-old driver could lower rates by $530 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $802 by switching to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, have the ability to save $1,542 or more just by using higher deductibles.

If you do make the decision to raise your deductibles, it will be required to have additional savings on hand to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Geico, State Farm, Allstate, or Progressive: Who is cheapest?

If you want reliable insurance for a Ram pickup, the companies with the most market share are Geico, State Farm, Allstate, and Progressive. If you add them together, they insure almost half of all auto insurance written. They all offer your standard coverages, but each one has a unique set of features, discounts, and options that you can choose from. The table below rates some of the different options and features that are available for policyholders.