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

When discussing car insurance, the words “cheap” or “affordable” should never be used anywhere in the article. It’s just a fact that cheap car insurance for a Dodge Ram just does not exist. But don’t let us ruin your dream, because we will show you how you can still get coverage that works with your budget.

The odds of finding the best cheap car insurance for a Dodge Ram in Oklahoma is contingent on many rating criteria such as annual miles driven, your profession, and the deductible amount you use. Drivers on average pay approximately $1,520 a year to insure their Ram, but that price is assuming a 30-year-old single male driver who needs full physical damage coverage and $1,000 policy deductibles.

It’s highly likely that you are not 30 and possibly not even male, you might be married instead of single, or maybe you’re a renter instead of a homeowner. Even a slight difference in policy rating data could end up with a large change in the cost of coverage for a Dodge Ram.

Car insurance rates are unique for each driver, so the most reliable method for finding the cheapest insurance price for your Dodge is to compare as many rates as you can.

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Your Dodge’s trim level will be a contributing factor to the cost of insurance, so the price to insure a Ram Quad Cab ST 2WD trim level will be $258 less expensive the cost to insure the higher-end Ram Quad Cab Laramie 4WD trim level, as shown in the table below.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price information does not factor in garaging location in Oklahoma which can affect prices significantly.

Shopping around for low-cost car insurance is easier said than done, and deciding which company offers the best car insurance rates for a Dodge Ram calls for even more shopping around. Every car insurance company has a different formula to set policy rates, so we’ll go over the car insurance companies with the overall cheapest rates in Oklahoma.

It’s a good idea to be aware that Oklahoma car insurance rates are impacted by many things which can substantially decrease or increase the policy price. Events like turning one year older, buying a different home, or having an accident can produce rate changes resulting in some rates now being way too expensive in comparison to the competition.

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google.charts.setOnLoadCallback(drawOKT5qcibChart);function drawOKT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Oklahoma Farmers Union’, 1154, ‘#FF9333’], [‘USAA’, 1196, ‘#D47A2A’], [‘The Hartford’, 1319, ‘#B06523’], [‘Safe Auto’, 1377, ‘#92541D’], [‘GEICO’, 1381, ‘#794618’]]);var options = {title: ‘Top Five Cheapest Car Insurance Companies in Oklahoma’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1481,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

Oklahoma Farmers Union normally has some of the lowest car insurance rates in Oklahoma at around $1,154 per year. USAA, The Hartford, Safe Auto, and GEICO also make the cut as some of the lowest-priced Oklahoma car insurance companies.

In the above rates, if you are a customer of The Hartford and switched to Oklahoma Farmers Union, you might see annual savings of in the neighborhood of $165. Oklahoma drivers with Safe Auto could save as much as $223 a year, and GEICO customers might lower prices by $227 a year.

These policy prices are averages for all types of insureds and vehicles and and are not figured with a specific rate factor for a Dodge Ram. So the auto insurance company that is best for you may not even be featured in the above rate chart. That’s why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

Tickets and at-fault accidents raise rates

The best way to find the cheapest insurance for a Dodge Ram in Oklahoma is to be an attentive driver and avoid accidents and traffic violations. The illustration below demonstrates how citations and at-fault claims can affect car insurance rates for different age groups. The premiums assume a married male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 3781,4603,7967],[‘Age 30’, 1953,2773,6141],[‘Age 40’, 1903,2723,6087],[‘Age 50’, 1749,2569,5933],[‘Age 60’, 1715,2537,5901],[‘Age 70’, 2011,2833,6197]]);var options = {title: ‘Impact of Citations and Accidents on Oklahoma 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 Oklahoma’,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);}

The chart shows that the average cost of an auto insurance policy per year with no violations or accidents is $2,185. Factor in two speeding tickets and the average cost increases to $3,006, an increase of $821 each year. Now add two accidents along with the two speeding tickets and the yearly cost of car insurance for a Dodge Ram goes up to an average of $6,371. That’s an increase of $4,186, or $349 per month, just for not being attentive to the road!

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

When comparing rates for insurance for a Ram pickup in Oklahoma, four companies you’ll want quotes from are Allstate, Geico, State Farm, and Progressive. All four can cover your vehicle for liability and physical damage, but each one has a distict selection of optional coverages and features that can influence your buying decision. The next table compares price, claims, and customer service ratings, as well as some optional coverages .