Buying competitive insurance for a Dodge Ram in Arizona is fairly easy, but it hinges on an enormous amount of factors such as how you use your vehicle, if you have recent claims, and citations or violations on your driving record. Arizona drivers pay approximately $1,251 annually to insure their Ram, but that is based on a 50-year-old single male driver with full comprehensive and collision coverage and $100 deductibles.
More likely than not, you are not 50 and maybe not even a male, possibly married instead of single, or maybe you prefer higher deductibles. Insurance is an individual thing, so the best way to find cheap insurance prices for your Dodge is to just take the time to compare rates yourself.
The specific trim level will likely have an effect on the cost of coverage, so the price to insure a Ram Quad Cab ST 2WD trim level will be $312 less expensive the cost to insure the more costly 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||$222||$394||$382||$22||$114||$1,134||$95|
|Ram Quad Cab TRX4 Off Road 2WD||$250||$480||$382||$22||$114||$1,248||$104|
|Ram Quad Cab SLT 2WD||$250||$480||$382||$22||$114||$1,248||$104|
|Ram Crew Cab ST 2WD||$250||$480||$382||$22||$114||$1,248||$104|
|Ram Quad Cab ST 4WD||$250||$480||$382||$22||$114||$1,248||$104|
|Ram Crew Cab SLT 2WD||$250||$480||$382||$22||$114||$1,248||$104|
|Ram Crew Cab TRX 2WD||$250||$480||$382||$22||$114||$1,248||$104|
|Ram Quad Cab SLT 4WD||$250||$480||$382||$22||$114||$1,248||$104|
|Ram Crew Cab ST 4WD||$250||$480||$382||$22||$114||$1,248||$104|
|Ram Crew Cab Sport 2WD||$278||$566||$382||$22||$114||$1,362||$114|
|Ram Quad Cab Sport 2WD||$278||$566||$382||$22||$114||$1,362||$114|
|Ram Quad Cab TRX4 Off Road 4WD||$278||$566||$382||$22||$114||$1,362||$114|
|Ram Crew Cab TRX 4WD||$278||$566||$382||$22||$114||$1,362||$114|
|Ram Crew Cab SLT 4WD||$278||$566||$382||$22||$114||$1,362||$114|
|Ram Quad Cab Laramie 2WD||$278||$566||$382||$22||$114||$1,362||$114|
|Ram Crew Cab Laramie 2WD||$278||$566||$382||$22||$114||$1,362||$114|
|Ram Crew Cab Sport 4WD||$278||$566||$382||$22||$114||$1,362||$114|
|Ram Quad Cab Sport 4WD||$278||$566||$382||$22||$114||$1,362||$114|
|Ram Crew Cab Laramie 4WD||$278||$650||$382||$22||$114||$1,446||$121|
|Ram Quad Cab Laramie 4WD||$278||$650||$382||$22||$114||$1,446||$121|
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Estimates do not factor in your specific Phoenix location which can lower or raise rates noticeably.
Buying affordable auto insurance is not easy, and finding out which companies have the cheapest insurance rates for a Dodge Ram will involve even more diligence.
Each insurer has a unique formula for determining prices, so let’s begin by taking a look at the most budget-friendly insurance companies in Phoenix, AZ.
Find the Cheapest Auto Insurance for Your Ram Truck
|Rank||Company||Cost Per Year|
|12||Farm Bureau Mutual||$1,297|
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The Hartford offers some of the lowest car insurance rates in Phoenix at around $820 annually. Safeco, Auto-Owners, USAA, and Travelers also rank well as some of the cheaper Phoenix, AZ car insurance companies.
As depicted above, if you are currently insured with USAA and switched to Safeco, you might see an annual premium reduction of roughly $208. Drivers with Travelers might save as much as $214 a year, and GEICO customers might lower prices by $237 a year.
Remember that these rates are averages across all types of insureds and vehicles and and are not figured with an exact location for a Dodge Ram. So the auto insurance company that fits your age and vehicle best may not even be in the top 28 companies shown above. That helps illustrate why you need to get quotes using your own personalized driver profile and vehicle information.
Illustration showing the impact of accidents and violations
The easiest method to earn cheap insurance rates for a Ram pickup is to pay attention while driving and have a clean driving record. The illustration below shows how speeding tickets and at-fault accidents can drive up yearly insurance costs for each different age group. The rates are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
In the chart above, the average cost of a car insurance policy in Arizona per year with no accidents or violations is $2,070. Add in two speeding tickets and the average cost surges to $2,781, an increase of $711 each year. Now add two accidents along with the two speeding tickets and the annual cost of insurance for a Dodge Ram goes up to an average of $5,346. That’s an increase of $3,276, or $273 per month, just for being a less-than-perfect driver!
The example below shows how different deductible levels can impact yearly insurance costs when quoting cheap insurance for a Dodge Ram. Data assumes a married male driver, full coverage, and no discounts are applied to the premium.
The data above shows that a 40-year-old driver could reduce rates by $258 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $394 by using a $1,000 deductible. Even younger drivers, like the 20-year-old, have the ability to save up to $856 or even more just by choosing larger deductibles. When increasing deductibles, it will be necessary to have spare funds to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Compare rates to save
Phoenix, AZ insurance rates are determined by lots of factors that will increase or decrease the cost of coverage. Simply having a birthday, having a claim, or getting a few speeding tickets can trigger rate changes resulting in some companies being cheaper than before.
Not only may your risk profile change, but insurers change premium rates as often as every quarter in order to offset underwriting gains or losses. An unexpected high level of claims can result in rate increases, while better underwriting can produce more affordable Ram insurance rates.
For example, the data below shows the cheapest car insurance in Phoenix, AZ for a 40-year-old female driver with a clear driving record, no claims, and a good credit history. Based on her current risk profile, The Hartford might quote the lowest car insurance rates in Phoenix at $1,245 annually. This is $183 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the rest of the best Phoenix, AZ auto insurance companies.
Let’s now give the driver from the first rate comparison a chargeable accident, a lower credit rating, and a couple of points charged on her driving record. Due to the fact that every insurance company has a different process to determine rates, comparing insurance quotes may now present a different ranking of affordable Phoenix car insurance companies as shown below.
Progressive now has the best insurance rate in Phoenix with Ameriprise Group, CSAA, Allied, and Auto-Owners also having competitive pricing. This demonstrates why Phoenix drivers need to spend some time comparing rates to find the most budget-friendly insurance quotes for a Dodge Ram.
Rates are impacted by many factors and change dramatically, so the most economical company the last time you compared rates may now be one of the higher cost companies.
If you aren’t sure which coverage to buy and prefer to get some guidance when comparing insurance rates for a Dodge Ram, the insurance agencies listed below can probably help you make a decision which coverages and limits you need.
To find a Phoenix insurance agent using an interactive map, click the button at the bottom or click here to compare price quotes.
- Allstate Insurance: Christine Yap
9303 N 7th St Ste 5 – Phoenix, AZ 85020 – (602) 371-0581
- Travelers Insurance
22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032
- American Premier Insurance Agency
16815 S Desert Foothills Pkwy #140 – Phoenix, AZ 85048 – (480) 423-3444
- Llyrena Sherwood – State Farm Insurance Agent
3415 W Glendale Ave #7 – Phoenix, AZ 85051 – (602) 368-9102
Tips for buying low-cost auto insurance for a Dodge Ram
It is possible to find better rates, and here are some of the recommended money-saving ideas that can help you buy lower-cost auto insurance.
- Prevent price hikes by avoiding at-fault accidents
- Save money by obeying traffic laws and keeping a clean driving record
- Try paying for small claims out-of-pocket
- Drive vehicles with five-star safety ratings
- Don’t waste money on full coverage for older vehicles
- Save money by insuring your home and auto with the same company
- Look for cheaper rates once a year by shopping around
That last piece of advice is notably critical, as we stressed in the prior article. Prices charged by car insurance companies in Phoenix go up and down frequently, so don’t be afraid to switch to a new company if you can save money.
Brand loyalty is not necessarily bad, but it isn’t a good idea if that loyalty results in overpaying major coinage every year. If you have a few minutes, now is a great time to shop around to find cheaper car insurance for a Dodge Ram.