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

Buying the best cheap auto insurance for a Dodge Ram in Connecticut relies on a large number of rating criteria such as whether you use your Ram for business use, the size of your vehicle, and any past driving violations you may have had. Drivers in Connecticut will pay on average $960 per year to insure a Dodge Ram, but that cost is a ballpark figure based upon a 40-year-old married male driver that has full coverage and $1,000 physical damage deductibles.

There is a really good chance that you aren’t exactly 40 years old or even a male, single instead of married, and there is a good chance that you need different coverage limits than the exampe. What seems to be a small difference in input factors could end up in a significant change in the cost of insurance for a Dodge Ram.

Having different needs demonstrates why the best way to find the cheapest rates for your Dodge is to compare rates from as many companies as possible. Rate quotes are easy and you will be able to compare rates from the best companies available.

View Dodge Ram Insurance Rates

Your vehicle’s trim level will likely have an effect on the cost of coverage, so the price you pay to insure a Ram Quad Cab ST 2WD will be $176 cheaper than the price to insure the more expensive Ram Quad Cab Laramie 4WD model, as shown below.

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Connecticut minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate information does not factor in specific zip code location which can decrease or increase premium rates greatly.

Finding decent, low-cost insurance is not the easiest thing to do, and determining which company has the cheapest car insurance rates for a Dodge Ram takes even more diligence. Every insurance provider has their own guidelines for determining rates, so let’s take a look at the car insurance companies with the most affordable rates in Connecticut.

Cheap Insurance Rates for Your Ram Truck

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Utica National has some of the most affordable car insurance rates in Connecticut at around $975 per year. Travelers, USAA, Amica, and Nationwide also rank well as some of the most economical Connecticut auto insurance companies.

In the rate table above, if you are currently insured with Nationwide and switched to Travelers, you could realize a yearly price reduction of in the vicinity of $254. Connecticut drivers with Unitrin might save as much as $363 a year, and General Casualty policyholders might reduce rates by $450 a year.

Be aware that those estimates are averages across all types of drivers and the different vehicles they drive and do not factor in a specific rate value for a Dodge Ram. So the company that can offer you the best price may not even be in the chart above. That affirms the importance of why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

The chart below demonstrates how deductibles can increase or decrease yearly insurance costs when researching cheap insurance for a Dodge Ram. The premiums assume a single female driver, comp and collision included, and no policy discounts are applied.

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The data above shows that a 40-year-old driver could save $338 a year by switching from a $100 deductible up to a $500 deductible, or save $512 by selecting a $1,000 deductible. Even younger insureds, like the Age 20 category, can save as much as $858 each year by using a higher deductible.

If you do raise deductibles, it will be required to have enough funds in savings to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

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

When it comes to buying insurance for a Ram pickup in Connecticut, some of the largest companies to start with are Geico, Allstate, State Farm, and Progressive. The table below illustrates some of the ratings and options shoppers can expect to find with each one.

How to get cheap insurance for a Dodge Ram in Connecticut

Below you’ll find some money-saving ideas that can help Connecticut drivers get cheaper car insurance.

• Increase your deductibles
• Discounts for being claim-free can be substantial
• Avoid getting citations and tickets
• Good credit can help you save money
• Buy your auto and home insurance from the same company and save
• Being accident-free can lower rates significantly
• Shop around for cheaper prices

That last tip is notably necessary, as we stressed in this piece. Car insurance prices in Connecticut adjust frequently, so drivers shouldn’t hesitate to switch to a new company if you find a cheaper price. Having a favorite company is great, but we do not recommend it if that loyalty ends up costing hundreds of dollars a year. If you have a few minutes, compare rates to find cheaper car insurance for a Dodge Ram.