How Much Does Insurance Cost for a Dodge Ram in Arizona?

Whenever people write about auto insurance, the word cheap really shouldn’t be used anywhere in the article. It’s just a fact that cheap car insurance for a Dodge Ram just does not exist. We’ll try to make it up to you, because we will teach you how you can still get car insurance that may not be cheap, but it is affordable.

Whether or not you can find cheaper car insurance for a Dodge Ram in Arizona is dependent upon a lot of factors like your marital status, if you have a tendancy to file claims, and any prior driving offenses you have. Drivers on average pay approximately $1,040 each year to buy Dodge Ram insurance, but that policy rate is a ballpark figure using rating data for a 50-year-old married female driver who purchased full physical damage coverage and $100 physical damage deductibles.

There is a very good chance that you are not exactly 50 years old and possibly not even female, maybe you are single instead of married, or you want lower deductibles. Even a very minor difference in rating criteria or coverage limits can induce significant differences in policy price.

Auto insurance requires individual risk assessment, so the way we recommend to find the most affordable coverage for your Dodge is to do the rate comparisons yourself.

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Your vehicle’s trim level impacts the annual cost of coverage, so the cost to insure a Ram Quad Cab ST 2WD model will be $258 cheaper than the insurance cost for the more costly Ram Quad Cab Laramie 4WD model, as demonstrated by the prices below.

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Table data does not factor in your specific Arizona location which can raise or lower prices substantially.

Determining which company offers the lowest-priced insurance rates for a Dodge Ram requires a tad more effort than just comparing a company or two. Each auto insurer has their own guidelines to determine rates, so let’s take a look at the insurance companies with the most affordable rates in Arizona.

We do need to point out that Arizona insurance rates are determined by lots of factors which can substantially change the cost of your policy. Simply having a birthday, moving to a new city, or getting a speeding ticket can cause premium changes that may make certain companies more affordable than others.

Cheap Insurance Rates for Your Ram Truck

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The Hartford generally has some of the lowest car insurance rates in Arizona at around $811 each year. Auto-Owners, Safeco, Travelers, and USAA also rank well as some of the best Arizona auto insurance companies.

As shown in the table above, if you currently have a policy with Travelers and switched to The Hartford, you might achieve a yearly price reduction of approxmiately $275. Policyholders with USAA might save as much as $280 a year, and Progressive insureds might lower prices by up to $341 a year.

Bear in mind that those prices are averages for all drivers and vehicles in Arizona and and are not figured with a specific rating modification for a Dodge Ram. So the insurer that can offer you the best price may not even be shown in the list of companies shown earlier. That is why you need to get car insurance quotes using your own driver and vehicle profiles.

Types of discounts on Arizona insurance

Insurance companies that provide cheap insurance for a Dodge Ram in Arizona may also provide discounts that can reduce rates by 35% or more if you meet eligibility requirements. A list of companies and a partial list of their discounts are:

The information below shows the comparison of annual premium costs with and without discounts applied to the premium. The rates are based on a male driver, no violations or claims, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles.

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

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Liability rates compared to full coverage

Finding cheap insurance for a Dodge Ram in Arizona should be important to most drivers, and an effective way to lower the cost of insurance is to only buy liability coverage. The chart below compares insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The data assumes no claims, a clean driving record, $1,000 deductibles, marital status is single, and no other discounts are factored in.

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Averaged for all age groups, full coverage costs $1,727 per year more than just insuring for liability. Many drivers may wonder when is the right time to remove full coverage. There is no set rule to drop physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

There are some situations where eliminating full coverage is not a good plan. If you haven’t satisfied your loan, you have to keep full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.

Is the best company Progressive, Allstate, State Farm, or Geico?

When researching car insurance, the most popular companies are Progressive, Allstate, State Farm, and Geico. All four offer physical damage and liability coverage, but each has different features and discounts that can influence your buying decision. The table below compares and contrasts ratings for price, service, and claims, in additional to some of the optional coverages you can expect with each one.