Finding affordable car insurance for a Dodge Ram in California doesn’t take a lot of effort, but it relies on a very complex rating algorithm that uses multiple factors such as whether you are single or married, where you live, and driving violations and tickets. Drivers in California pay around $1,804 a year to insure their Ram, but that amount is an approximation based on a 30-year-old married male driver with full coverage and $100 deductibles.
There is a good probability you aren’t exactly 30 years old or even a male, you might be single instead of married, or maybe you just want liability only instead of full coverage. Car insurance coverage is unique to each driver, so this is why the only way to find the cheapest rates for your Dodge is to compare rates from as many companies as possible. It only takes a few minutes and you can get rates from the best auto insurance companies around.
The trim level of your vehicle will influence price, so the price you will be charged to insure a Ram Quad Cab ST 2WD will be $466 cheaper than the price to insure the higher-end Ram Quad Cab Laramie 4WD version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $380 | $564 | $500 | $30 | $150 | $1,624 | $135 |
| Ram Quad Cab TRX4 Off Road 2WD | $430 | $686 | $500 | $30 | $150 | $1,796 | $150 |
| Ram Quad Cab SLT 2WD | $430 | $686 | $500 | $30 | $150 | $1,796 | $150 |
| Ram Crew Cab ST 2WD | $430 | $686 | $500 | $30 | $150 | $1,796 | $150 |
| Ram Quad Cab ST 4WD | $430 | $686 | $500 | $30 | $150 | $1,796 | $150 |
| Ram Crew Cab SLT 2WD | $430 | $686 | $500 | $30 | $150 | $1,796 | $150 |
| Ram Crew Cab TRX 2WD | $430 | $686 | $500 | $30 | $150 | $1,796 | $150 |
| Ram Quad Cab SLT 4WD | $430 | $686 | $500 | $30 | $150 | $1,796 | $150 |
| Ram Crew Cab ST 4WD | $430 | $686 | $500 | $30 | $150 | $1,796 | $150 |
| Ram Crew Cab Sport 2WD | $478 | $810 | $500 | $30 | $150 | $1,968 | $164 |
| Ram Quad Cab Sport 2WD | $478 | $810 | $500 | $30 | $150 | $1,968 | $164 |
| Ram Quad Cab TRX4 Off Road 4WD | $478 | $810 | $500 | $30 | $150 | $1,968 | $164 |
| Ram Crew Cab TRX 4WD | $478 | $810 | $500 | $30 | $150 | $1,968 | $164 |
| Ram Crew Cab SLT 4WD | $478 | $810 | $500 | $30 | $150 | $1,968 | $164 |
| Ram Quad Cab Laramie 2WD | $478 | $810 | $500 | $30 | $150 | $1,968 | $164 |
| Ram Crew Cab Laramie 2WD | $478 | $810 | $500 | $30 | $150 | $1,968 | $164 |
| Ram Crew Cab Sport 4WD | $478 | $810 | $500 | $30 | $150 | $1,968 | $164 |
| Ram Quad Cab Sport 4WD | $478 | $810 | $500 | $30 | $150 | $1,968 | $164 |
| Ram Crew Cab Laramie 4WD | $478 | $932 | $500 | $30 | $150 | $2,090 | $174 |
| Ram Quad Cab Laramie 4WD | $478 | $932 | $500 | $30 | $150 | $2,090 | $174 |
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate quotes do not factor in specific zip code location which can impact rates significantly.
Finding the highest-rated insurance provider can be a challenge considering how many different companies there are to choose from in Chula Vista. The information below could help you choose which coverage providers to look at when comparing rates.
The ratings below only include companies that insure vehicles nationwide, so smaller companies that only insure vehicles in California are not taken into consideration for the list. To view rates from these companies and more, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
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Data Source: Insure.com Best Car Insurance Companies
Should you buy full coverage?
Paying less for insurance is probably important to most people, and one of the best ways to pay less for insurance for a Dodge Ram is to not buy full coverage. The example below illustrates the difference between car insurance rates with full coverage compared to only the California minimum liability coverage. The price estimates are based on a clean driving record, no claims, $250 deductibles, drivers are not married, and no discounts are applied.
If averaged for all ages, full coverage costs an additional $2,957 per year over and above liability coverage. Many drivers will wonder when is it a good idea to stop buying full coverage. There isn’t a steadfast formula that is best for determining when to drop physical damage coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
There are a few situations where dropping full coverage is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not buy liability only.
Discount Chula Vista auto insurance rates
Insurance companies that offer cheap quotes for a Dodge Ram could also offer rate discounts that can lower rates by 30% or more if you are eligible for them. Larger insurance companies and their possible discounts are:
- State Farm offers premium reductions for Drive Safe & Save, passive restraint, Steer Clear safe driver discount, accident-free, good student, and multiple policy.
- American Family includes discounts for multi-vehicle, bundled insurance, air bags, accident-free, Steer into Savings, early bird, and mySafetyValet.
- AAA has savings for multi-car, AAA membership discount, education and occupation, good driver, good student, and pay-in-full.
- GEICO may offer discounts for anti-theft, federal employee, membership and employees, military active duty, emergency military deployment, and multi-policy.
- Mercury Insurance has discounts for good driver, low natural disaster claims, type of vehicle, anti-theft, and age of vehicle.
- Farmers Insurance discounts include bundle discounts, distant student, pay in full, early shopping, homeowner, and multi-car.
- Progressive offers discounts for online signing, multi-vehicle, homeowner, continuous coverage, online quote discount, and good student.
The illustration below compares auto insurance costs with and without policy discounts. The price estimates are based on a female driver, no accidents or driving violations, California state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with accident-free, multiple policy, claim-free, multiple vehicle, vehicle safety, and passive restraint discounts applied. In this example, the average savings per year on insurance for a Dodge Ram is 28% or $677.
How to find more affordable auto insurance for a Dodge Ram
Below you’ll find some of the better penny-pinching ideas that can help you quote more affordable auto insurance.
- At-fault accidents can raise rates significantly
- Higher deductibles save money
- Keep your driving record clean
- Discounts for being claim-free can be substantial
- Pay lower rates with good credit
- Save money by bundling your home and auto policies
- Look for cheaper rates once a year by shopping around
That last idea is extraordinarily important, as was affirmed in this write-up. Prices charged by auto insurers can change significantly in a year, so drivers shouldn’t be resistant to change to a new company if a more affordable rate is found. Loyalty to a specific company is fine, but it’s not recommended if that inflexibility results in costing you hundreds of dollars a year. If you have a few minutes, shop around to find cheaper insurance for a Dodge Ram in Chula Vista.