Finding the cheapest coverage for a Dodge Ram in California is pretty easy for most people to do, but it hinges on a complicated formula that considers factors such as your financial responsibility, your credit history, and your choice of physical damage deductibles. California drivers pay on average $1,759 annually to insure their Ram, but that figure is an approximation using a 40-year-old married female driver with full coverage and $100 deductibles.
The issue with using an average estimated rate is the likelihood you aren’t exactly 40 years old or even a female, possibly single instead of married, and maybe your Ram just needs liability-only coverage. Just a very minor change in rating variables can make a big difference in the policy cost.
This example demonstrates why the only way to find the cheapest insurance price for your Dodge is to compare rates from as many companies as possible.
The specific trim level impacts the insurance rate, so the rate you will pay to insure a Ram Quad Cab ST 2WD will be $444 less than the price to insure the fancier Ram Quad Cab Laramie 4WD trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $326 | $554 | $524 | $32 | $156 | $1,592 | $133 |
| Ram Quad Cab TRX4 Off Road 2WD | $370 | $672 | $524 | $32 | $156 | $1,754 | $146 |
| Ram Quad Cab SLT 2WD | $370 | $672 | $524 | $32 | $156 | $1,754 | $146 |
| Ram Crew Cab ST 2WD | $370 | $672 | $524 | $32 | $156 | $1,754 | $146 |
| Ram Quad Cab ST 4WD | $370 | $672 | $524 | $32 | $156 | $1,754 | $146 |
| Ram Crew Cab SLT 2WD | $370 | $672 | $524 | $32 | $156 | $1,754 | $146 |
| Ram Crew Cab TRX 2WD | $370 | $672 | $524 | $32 | $156 | $1,754 | $146 |
| Ram Quad Cab SLT 4WD | $370 | $672 | $524 | $32 | $156 | $1,754 | $146 |
| Ram Crew Cab ST 4WD | $370 | $672 | $524 | $32 | $156 | $1,754 | $146 |
| Ram Crew Cab Sport 2WD | $412 | $792 | $524 | $32 | $156 | $1,916 | $160 |
| Ram Quad Cab Sport 2WD | $412 | $792 | $524 | $32 | $156 | $1,916 | $160 |
| Ram Quad Cab TRX4 Off Road 4WD | $412 | $792 | $524 | $32 | $156 | $1,916 | $160 |
| Ram Crew Cab TRX 4WD | $412 | $792 | $524 | $32 | $156 | $1,916 | $160 |
| Ram Crew Cab SLT 4WD | $412 | $792 | $524 | $32 | $156 | $1,916 | $160 |
| Ram Quad Cab Laramie 2WD | $412 | $792 | $524 | $32 | $156 | $1,916 | $160 |
| Ram Crew Cab Laramie 2WD | $412 | $792 | $524 | $32 | $156 | $1,916 | $160 |
| Ram Crew Cab Sport 4WD | $412 | $792 | $524 | $32 | $156 | $1,916 | $160 |
| Ram Quad Cab Sport 4WD | $412 | $792 | $524 | $32 | $156 | $1,916 | $160 |
| Ram Crew Cab Laramie 4WD | $412 | $912 | $524 | $32 | $156 | $2,036 | $170 |
| Ram Quad Cab Laramie 4WD | $412 | $912 | $524 | $32 | $156 | $2,036 | $170 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Information does not factor in the specific area where the vehicle is garaged which can impact coverage rates greatly.
Finding reliable, low-cost auto insurance is hard enough, and figuring out which company has the most affordable insurance rates for a Dodge Ram calls for a little more work.
Each auto insurer uses slightly different criteria to set their prices, so first let’s look at the rankings for the lowest cost insurance companies in California.
Compare Cheap Insurance Quotes for Your Ram Truck
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,488 |
| 9 | Allstate | $1,497 |
| 10 | Progressive | $1,512 |
| 11 | GEICO | $1,529 |
| 12 | Allied | $1,541 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,639 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,699 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,026 |
| Quote Your Rates Go | ||
USAA may offer some of the cheapest car insurance rates in Sacramento at around $1,121 each year. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the lowest-priced Sacramento, CA car insurance companies.
As shown in the table above, if you have coverage with Century National and switched to USAA, you may realize savings of upwards of $69. California drivers with CSAA could save as much as $77 a year, and Nationwide customers might lower prices by up to $105 a year.
Understand that those premiums are averaged across all insureds and vehicles and do not factor in an exact location for a Dodge Ram. So the car insurance company that has the cheapest rates for you may not even be in the list above. That emphasizes why you need to get quotes using your own driver and vehicle profiles.
Safe drivers Sacramento pay cheaper rates
A great way to receive the cheapest insurance premiums in Sacramento for a Ram pickup is to drive carefully and avoid tickets and accidents. The information below shows how speeding tickets and at-fault fender-benders can raise insurance premiums for each age group. The price estimates are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.
In the prior example, the average cost of car insurance per year with no accidents or violations is $2,469. Factor in one speeding ticket and the average cost surges to $2,873, an increase of $404 each year. Now add in two accidents along with the one speeding ticket and the yearly cost of insurance for a Dodge Ram increases to an average of $6,327. That’s an increase of $3,858, or $321 per month, just for not driving responsibly!
Get discount Sacramento insurance
Insurers that sell policies for a Dodge Ram could also offer rate discounts that could reduce prices by 35% or more if you meet specific criteria. A list of insurance companies and a selection of discounts are outlined below.
- Progressive offers discounts for multi-policy, multi-vehicle, good student, online quote discount, and homeowner.
- Farmers Insurance policyholders can earn discounts including switch companies, business and professional, teen driver, early shopping, multi-car, and good student.
- Farm Bureau may have discounts that include good student, renewal discount, safe driver, 55 and retired, and multi-policy.
- State Farm may offer discounts for good student, accident-free, multiple policy, Drive Safe & Save, and anti-theft.
- GEICO offers discounts including emergency military deployment, membership and employees, air bags, anti-theft, and federal employee.
- SAFECO has discounts for multi-car, teen safety rewards, teen safe driver, anti-lock brakes, safe driver, and drive less.
- Liberty Mutual has savings for safety features, new graduate, hybrid vehicle, exclusive group savings, and newly retired.
The information below shows the comparison of auto insurance rates with and without discounts applied. The premiums are based on a male driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with homeowner, anti-theft, multiple policy, vehicle safety, multiple vehicle, and marriage discounts applied. When drivers take advantage of discounts, theamount saved on insurance for a Dodge Ram is 28% or $668.
The auto insurance agents in Sacramento shown below can help you make a decision which car insurance policy is best, since some drivers aren’t sure which coverage they need and prefer to have some advice when shopping for the best coverage for a Dodge Ram. It can be hard to find the best rates on your own, and using a licensed agent can provide satisfaction knowing you have adequate protection in the event of a claim.
To locate a Sacramento insurance agent near you, click the link at the bottom or click here to compare prices now.
- Barbara Etrick – State Farm Insurance Agent
6332 Florin Rd – Sacramento, CA 95823 – (916) 822-5110 - Trevor Fong – State Farm Insurance Agent
7485 Rush River Dr #715 – Sacramento, CA 95831 – (916) 392-1240 - Yeh Ferguson – State Farm Insurance Agent
7273 14th Ave Ste 100 – Sacramento, CA 95820 – (916) 455-5000 - Rich Williams – State Farm Insurance Agent
1001 26th St – Sacramento, CA 95816 – (916) 447-8560 - Ice Insurance Agency
813 F St – Sacramento, CA 95814 – (916) 387-6800
View more Sacramento, CA insurance agents
How to find the cheapest car insurance for a Dodge Ram
Lowering your rates is not difficult, and here are a few money-saving suggestions that can help drivers buy cheap auto insurance.
- Increase the comprehensive and collision deductibles on your policy
- Keep your driving record clean
- Maintaining good credit helps earn cheaper rates
- Do not pay for comprehensive and collision coverage on older vehicles
- Drive a car with a high safety rating
- At-fault accidents can raise rates significantly
- Shop your coverage around for the best deal
The final tip is notably necessary, as was discussed in this article. Coverage rates in Sacramento fluctuate constantly, so don’t be tentative to buy a different policy if a lower-cost policy is available.
Staying with the same company for years is fine, but is isn’t recommended if that dedication is costing big bucks every year. Take a few minutes and shop around and find cheaper car insurance for a Dodge Ram.