Finding economical car insurance for a Dodge Ram is pretty easy to do, but it is dependent upon an enormous amount of rating factors such as whether the vehicle is new, your credit score, and any prior driving offenses. Drivers pay around $897 annually to insure their Ram, but that figure is an approximation calculated based on a 50-year-old married female driver with full physical damage coverage and $250 deductibles.

But there is a high likelihood that you're not a 50-year-old female, possibly single instead of married, or maybe you have a speeding ticket or two that will increase rates. Insurance is an individual thing, so the only way to find cheap auto insurance rates for your Dodge is to compare rates from as many companies as possible.

Click Here to Start Your Quote

The trim level of your Ram tends to have a direct impact on the cost of insurance, so the price you will be charged to insure a Ram Quad Cab ST 2WD will be $204 cheaper than the cost to insure the fancier Ram Quad Cab Laramie 4WD version, as shown in the prices below.

Dodge Ram Insurance Rates in Indiana
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $168 $250 $298 $18 $90 $824 $69
Ram Quad Cab TRX4 Off Road 2WD $188 $304 $298 $18 $90 $898 $75
Ram Quad Cab SLT 2WD $188 $304 $298 $18 $90 $898 $75
Ram Crew Cab ST 2WD $188 $304 $298 $18 $90 $898 $75
Ram Quad Cab ST 4WD $188 $304 $298 $18 $90 $898 $75
Ram Crew Cab SLT 2WD $188 $304 $298 $18 $90 $898 $75
Ram Crew Cab TRX 2WD $188 $304 $298 $18 $90 $898 $75
Ram Quad Cab SLT 4WD $188 $304 $298 $18 $90 $898 $75
Ram Crew Cab ST 4WD $188 $304 $298 $18 $90 $898 $75
Ram Crew Cab Sport 2WD $210 $358 $298 $18 $90 $974 $81
Ram Quad Cab Sport 2WD $210 $358 $298 $18 $90 $974 $81
Ram Quad Cab TRX4 Off Road 4WD $210 $358 $298 $18 $90 $974 $81
Ram Crew Cab TRX 4WD $210 $358 $298 $18 $90 $974 $81
Ram Crew Cab SLT 4WD $210 $358 $298 $18 $90 $974 $81
Ram Quad Cab Laramie 2WD $210 $358 $298 $18 $90 $974 $81
Ram Crew Cab Laramie 2WD $210 $358 $298 $18 $90 $974 $81
Ram Crew Cab Sport 4WD $210 $358 $298 $18 $90 $974 $81
Ram Quad Cab Sport 4WD $210 $358 $298 $18 $90 $974 $81
Ram Crew Cab Laramie 4WD $210 $412 $298 $18 $90 $1,028 $86
Ram Quad Cab Laramie 4WD $210 $412 $298 $18 $90 $1,028 $86
Get Your Own Custom Quote Go

Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rate quotes do not factor in specific zip code location which can affect price quotes significantly.

Selecting the best auto insurance company is difficult considering how many choices there are in Indiana. The company rank data in the lists below could help you choose which coverage providers you want to consider when comparing auto insurance rates for a Dodge Ram. The rankings below are for major nationwide insurance companies, so companies that focus mainly on Indiana business are not factored into the list.

Top 10 Large Auto Insurance Companies in Indiana Ranked by Claims Service

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. GEICO
  7. AAA Insurance
  8. Safeco Insurance
  9. Esurance
  10. The General

Top Companies for Dodge Ram Insurance in Indiana

The chart below demonstrates how choosing different deductibles can change premium costs when trying to find cheap insurance for a Dodge Ram in Indiana. The prices are based on a single male driver, full physical damage coverage, and no policy discounts are applied.

As shown above, a 50-year-old driver could lower their car insurance rates by $366 a year by switching from a $100 deductible up to a $500 deductible, or save $554 by changing to a $1,000 deductible. Even younger drivers, such as the Age 20 example, could shave $1,218 annually by selecting a higher deductible.

When using a larger deductible, it will now be necessary to have spare funds to enable you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

How to get discounts on Indiana car insurance

Insurance companies that offer quotes for a Dodge Ram may also give you discounts that could lower prices by as much as 40% or more if you are eligible for them. The best car insurance companies and a selection of discounts are detailed below.

The example below illustrates the comparison of premium costs with and without discounts. Data assumes a male driver, a clean driving record, no claims, Indiana state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with marriage, defensive driving course, claim-free, multiple vehicle, passive restraint, and safe-driver discounts applied. In this example, the average savings per year on car insurance for a Dodge Ram is 28% or $568.

Don't stick with an overpriced policy

Indiana car insurance rates are influenced by many factors which can significantly increase or decrease the price you pay for coverage. Improving your credit rating, buying a new vehicle, or getting a speeding ticket may generate price changes that can make some companies much cheaper than others.

Not only may your risk profile change, but insurance companies modify rates as often as every quarter to adjust for gains or losses. Heavier than normal losses can result in more expensive prices, while profitable underwriting can cause cheaper Ram insurance rates.

For instance, the bar chart below compares the cheapest car insurance in Indiana for a 40-year-old male driver with a good driving record, no prior claims, and solid credit. Based on his current risk factors, Travelers might offer the lowest car insurance rates in Indiana at $596 a year. This is $644 less than the average rate paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Western Reserve round out the rest of the most affordable Indiana auto insurance companies.

Now let's give the driver from the first rate comparison a couple of claims, a lower credit score, and an imperfect driving record. Because each insurer has their own guidelines for setting rates, comparing insurance quotes may now result in a different ranking of the cheapest companies as shown below.

Auto-Owners now has the best auto insurance rate in Indiana with The Hartford, Cincinnati Insurance, State Farm, and Nationwide completing the list. This illustrates why it is important to perform a complete rate comparison when trying to get the best insurance quotes for a Dodge Ram. Insurance rates consist of many risk factors and change substantially, so the most economical option three years ago may now be one of the more expensive options.

How to find cheaper insurance for a Dodge Ram

Here are some money-saving suggestions that can help Indiana drivers get low-cost auto insurance.

The last tip in the list is highly necessary, as was pointed out in this article. Insurance rates adjust frequently, so you should be ready to change insurance companies if a cheaper rate is available.

Many drivers have brand loyalty and that's fine, but it isn't a good idea if that faithfulness ends up costing you thousands of dollars over several years. It takes less than five minutes to compare rates to find cheaper insurance for a Dodge Ram.