Who Has the Cheapest Insurance Quotes for a Dodge Ram in Alabama?

Who Has the Cheapest Insurance Quotes for a Dodge Ram in Alabama?

Finding cheap coverage for a Dodge Ram in Alabama depends upon a lot of rating factors like how you use your vehicle, the condition of your credit, and violations on your driving record. Drivers will pay around $1,260 per year to buy insurance for a Dodge Ram, but that policy rate is an estimate that rates a 40-year-old single male driver who requires full physical damage coverage and $500 physical damage deductibles.

There is a very good chance that you are not exactly 40 years old and possibly not even male, married instead of single, and maybe your Ram just needs liability-only coverage. Auto insurance is not “one size fits all”, so the best method for finding cheap auto insurance rates for your Dodge is to shop your policy around at every renewal. It takes less than five minutes and you will be able to compare rates from top-rated car insurance companies available.

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Your vehicle’s trim level can impact the coverage cost, so the price you will be charged to insure a Ram Quad Cab ST 2WD trim level will be $272 cheaper than the price to insure the more costly Ram Quad Cab Laramie 4WD model, as shown below.

Dodge Ram Insurance Rates in Alabama
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $208 $334 $462 $28 $138 $1,170 $98
Ram Quad Cab TRX4 Off Road 2WD $234 $408 $462 $28 $138 $1,270 $106
Ram Quad Cab SLT 2WD $234 $408 $462 $28 $138 $1,270 $106
Ram Crew Cab ST 2WD $234 $408 $462 $28 $138 $1,270 $106
Ram Quad Cab ST 4WD $234 $408 $462 $28 $138 $1,270 $106
Ram Crew Cab SLT 2WD $234 $408 $462 $28 $138 $1,270 $106
Ram Crew Cab TRX 2WD $234 $408 $462 $28 $138 $1,270 $106
Ram Quad Cab SLT 4WD $234 $408 $462 $28 $138 $1,270 $106
Ram Crew Cab ST 4WD $234 $408 $462 $28 $138 $1,270 $106
Ram Crew Cab Sport 2WD $262 $480 $462 $28 $138 $1,370 $114
Ram Quad Cab Sport 2WD $262 $480 $462 $28 $138 $1,370 $114
Ram Quad Cab TRX4 Off Road 4WD $262 $480 $462 $28 $138 $1,370 $114
Ram Crew Cab TRX 4WD $262 $480 $462 $28 $138 $1,370 $114
Ram Crew Cab SLT 4WD $262 $480 $462 $28 $138 $1,370 $114
Ram Quad Cab Laramie 2WD $262 $480 $462 $28 $138 $1,370 $114
Ram Crew Cab Laramie 2WD $262 $480 $462 $28 $138 $1,370 $114
Ram Crew Cab Sport 4WD $262 $480 $462 $28 $138 $1,370 $114
Ram Quad Cab Sport 4WD $262 $480 $462 $28 $138 $1,370 $114
Ram Crew Cab Laramie 4WD $262 $552 $462 $28 $138 $1,442 $120
Ram Quad Cab Laramie 4WD $262 $552 $462 $28 $138 $1,442 $120
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Information does not factor in vehicle garaging location which can impact insurance rates considerably.

Picking the highest-rated auto insurance provider can be challenging considering how many companies sell coverage in Alabama. The ranking data in the lists below may help you choose which companies you want to consider comparing price quotes from.

The ratings below only include the companies with a significant amount of written premium nationwide, so companies that only write business in Alabama or surrounding areas will not be included in these rankings. If you wish to compare rates from these and other companies in Alabama, just click here.

Top 10 Large Auto Insurers in Alabama Ranked by Customer Service

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

Top 10 Large Auto Insurers in Alabama Ranked by Value

  1. Travelers
  2. American Family
  3. AAA Insurance
  4. Safeco Insurance
  5. Progressive
  6. The Hartford
  7. The General
  8. 21st Century
  9. Esurance
  10. Titan Insurance

Top Companies for Dodge Ram Insurance in Alabama

Responsible drivers pay cheaper insurance rates

The easiest method to score cheap insurance premiums for a Ram pickup is to be a cautious driver and not get tickets or have accidents. The illustration below demonstrates how traffic citations and accidents impact insurance prices for each age group. The premiums are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

In the example above, the average cost of auto insurance per year with no accidents or violations is $1,943. Get written up for two speeding tickets and the average cost swells to $2,595, an increase of $652 each year. Then include one accident along with the two speeding tickets and the yearly cost of insurance for a Dodge Ram jumps again to an average of $3,248. That’s an increase of $1,305, or $109 per month, just for being a little careless behind the wheel!

How to get the cheapest insurance for a Dodge Ram in Alabama

It’s not impossible to find cheaper rates, and here are some money-saving solutions that can help drivers locate low-cost car insurance.

  • Save money by only buying liability coverage for older vehicles
  • Prevent rate increases by staying accident-free
  • Choose a safer vehicle and pay lower rates
  • Bundle home and auto and save
  • Drivers with good credit ratings often pay less
  • Comparison shop at least every other year

That last tip is extraordinarily valuable, as was stressed in this article. Car insurance prices in Alabama can change considerably based on profitability, so don’t be tentative to switch to a new company if you can find a cheaper rate. Sticking with a specific company is fine, but it isn’t a good idea if that stubbornness costs you hundreds of dollars year after year. Take a few minutes and compare prices to find cheaper auto insurance for a Dodge Ram.