Finding the best cheap car insurance for a Dodge Ram doesn’t take a lot of effort, but it relies on a lot of things such as driver age, if you have recent claims, and the deductible amount you use. Texas drivers pay approximately $1,329 annually for Ram insurance, but that is an estimation calculated using a 50-year-old married female driver with both comprehensive and collision coverage and $100 deductibles.
But there is a high likelihood that you may not be 50 years old (or even female), maybe you are single instead of married, and maybe you want higher deductibles. Not every driver requires the same auto insurance coverages, so the way we recommend to find cheap car insurance rates for your Dodge is to put in the effort to do a thorough rate comparison.
Your Dodge’s trim level impacts the insurance rate, so the price you pay to insure a Ram Quad Cab ST 2WD trim level will be $328 less expensive the insurance cost for the more well-appointed Ram Quad Cab Laramie 4WD version, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $252 | $404 | $404 | $24 | $122 | $1,206 | $101 |
| Ram Quad Cab TRX4 Off Road 2WD | $284 | $492 | $404 | $24 | $122 | $1,326 | $111 |
| Ram Quad Cab SLT 2WD | $284 | $492 | $404 | $24 | $122 | $1,326 | $111 |
| Ram Crew Cab ST 2WD | $284 | $492 | $404 | $24 | $122 | $1,326 | $111 |
| Ram Quad Cab ST 4WD | $284 | $492 | $404 | $24 | $122 | $1,326 | $111 |
| Ram Crew Cab SLT 2WD | $284 | $492 | $404 | $24 | $122 | $1,326 | $111 |
| Ram Crew Cab TRX 2WD | $284 | $492 | $404 | $24 | $122 | $1,326 | $111 |
| Ram Quad Cab SLT 4WD | $284 | $492 | $404 | $24 | $122 | $1,326 | $111 |
| Ram Crew Cab ST 4WD | $284 | $492 | $404 | $24 | $122 | $1,326 | $111 |
| Ram Crew Cab Sport 2WD | $318 | $580 | $404 | $24 | $122 | $1,448 | $121 |
| Ram Quad Cab Sport 2WD | $318 | $580 | $404 | $24 | $122 | $1,448 | $121 |
| Ram Quad Cab TRX4 Off Road 4WD | $318 | $580 | $404 | $24 | $122 | $1,448 | $121 |
| Ram Crew Cab TRX 4WD | $318 | $580 | $404 | $24 | $122 | $1,448 | $121 |
| Ram Crew Cab SLT 4WD | $318 | $580 | $404 | $24 | $122 | $1,448 | $121 |
| Ram Quad Cab Laramie 2WD | $318 | $580 | $404 | $24 | $122 | $1,448 | $121 |
| Ram Crew Cab Laramie 2WD | $318 | $580 | $404 | $24 | $122 | $1,448 | $121 |
| Ram Crew Cab Sport 4WD | $318 | $580 | $404 | $24 | $122 | $1,448 | $121 |
| Ram Quad Cab Sport 4WD | $318 | $580 | $404 | $24 | $122 | $1,448 | $121 |
| Ram Crew Cab Laramie 4WD | $318 | $666 | $404 | $24 | $122 | $1,534 | $128 |
| Ram Quad Cab Laramie 4WD | $318 | $666 | $404 | $24 | $122 | $1,534 | $128 |
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Information does not factor in Houston location which can alter auto insurance rates significantly.
Comparing quotes for low-priced auto insurance is difficult, and deciding which company offers the lowest-priced auto insurance rates for a Dodge Ram requires even more diligence.
Each insurance company has a different formula for filing rates in each state, so let’s rank the auto insurance companies with the overall cheapest rates in Texas. We do need to point out that Houston auto insurance rates are influenced by many factors that may substantially change the cost of your policy. Events like turning one year older, buying higher coverage limits, or having an at-fault accident may generate price changes that can make some companies more expensive than competitors.
Find the Cheapest Auto Insurance for Your Ram Truck
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,128 |
| 3 | Germania Mutual | $1,244 |
| 4 | Texas Farm Bureau | $1,247 |
| 5 | California Casualty | $1,396 |
| 6 | Esurance | $1,407 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,521 |
| 9 | Safe Auto | $1,597 |
| 10 | Nationwide | $1,600 |
| 11 | Allstate | $1,667 |
| 12 | Progressive | $1,698 |
| 13 | Amica | $1,757 |
| 14 | GEICO | $2,135 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,227 |
| 17 | Encompass | $2,301 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,646 |
| Find Your Rate Go | ||
Travelers offers some of the cheapest car insurance rates in Houston at around $1,021 per year. USAA, Germania Mutual, Texas Farm Bureau, and California Casualty are also some of the more affordable Houston, TX car insurance companies.
As shown above, if you currently have coverage with Germania Mutual and switched to Travelers, you might realize an annual savings of upwards of $223. Insureds with Texas Farm Bureau could save as much as $226 a year, and California Casualty insureds might lower prices by up to $375 a year.
To find out how much you can save, click here to get quotes or click several companies below for low rates.
It’s important to note that these rates are averages across all insureds and vehicles and do not factor in a specific zip code for a Dodge Ram. So the insurer that is most affordable for your situation may not even be in the top 23 companies shown above. That’s why you need to quote rates from many companies using your own driver information and specific vehicle type.
Types of discounts on Houston auto insurance
Insurance companies that provide policies for a Dodge Ram may also offer rate discounts that could lower prices by 40% or more if you qualify for them. Large auto insurance companies and a selection of discounts include:
- Farm Bureau offers discounts including driver training, 55 and retired, multi-policy, good student, and multi-vehicle.
- State Farm policyholders can earn discounts including Steer Clear safe driver discount, good driver, anti-theft, Drive Safe & Save, and student away at school.
- Progressive offers discounts for multi-vehicle, good student, online quote discount, continuous coverage, online signing, multi-policy, and homeowner.
- Allstate includes discounts for auto/life discount, premier discount, premier plus, eSmart discount, defensive driver, and senior citizen.
- Nationwide has savings for accident-free, multi-policy, business or organization, easy pay, anti-theft, good student, and family plan.
- MetLife may have discounts that include good student, claim-free, defensive driver, accident-free, good driver, multi-policy
The illustration below illustrates the comparison of insurance costs with and without policy discounts. The prices are based on a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with claim-free, vehicle safety, homeowner, multiple vehicle, defensive driving course, and safe-driver discounts applied. When discounts are factored in, theaverage yearly reduction on auto insurance for a Dodge Ram is 28% or $551.
The information below illustrates how choosing a deductible can influence insurance costs when trying to find cheap insurance for a Dodge Ram. The premiums assume a single female driver, comprehensive and collision coverage, and no policy discounts are applied.
As shown above, a 40-year-old driver could lower their policy premium by $434 a year by switching from a $100 deductible up to a $500 deductible, or save $656 by switching to a $1,000 deductible. Young drivers, like the 20-year-old, could lower their rates as much as $1,100 or more by using higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it is a good idea to have additional funds in a savings account to offset the extra out-of-pocket expense that is associated with using high deductibles.
If you aren’t clear which coverage you need and would like to have some professional guidance when shopping for the best coverage for a Ram pickup, the agents shown below can probably provide answers to your questions and help you determine which auto insurance policy would work best for you. To locate a Houston car insurance agency in your neighborhood, click the link after the list.
State Farm: Jack Wallace
3405 Mercer St – Houston, TX 77027 – (713) 626-7500
Ricky Maique – State Farm Insurance Agent
8811 Westheimer Rd #205 – Houston, TX 77063 – (713) 781-6132
Moon Insurance Agency
360 FM 1959 – Houston, TX 77034 – (281) 484-8320
Memorial Insurance Agency, LLC
13624 Memorial Dr – Houston, TX 77079 – (713) 461-8272
State Farm: Ken Quach
6489 Wilcrest Dr – Houston, TX 77072 – (281) 498-1010
More insurance agents in Houston, TX
Tips to find low-cost car insurance for a Dodge Ram
Below you’ll find many thrifty ideas that can help Houston drivers locate lower-cost auto insurance.
- Good credit can save money
- Higher deductibles save money
- Bundle home and auto and save
- Drive attentively and avoid accidents
- Violations like speeding or DUI increase rates
- Claim-free policyholders usually earn a discount
- Ensure you have the best deal by shopping around regularly
The last idea is especially critical, as we pointed out in the prior article. Auto insurance rates fluctuate constantly, so don’t be afraid to change insurance companies if a lower-cost policy is available.
Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if it’s costing you money that could be going to better use. Now is a great time to compare rates to find cheaper car insurance for a Dodge Ram in Houston.