Finding cheap auto insurance for a Dodge Ram relies on a large number of rating criteria such as the safety rating of your vehicle, if you have prior claims, and your driving record. Drivers will pay around $886 per year to insure their Ram, but that amount is an approximation calculated using a 30-year-old single male driver with full coverage and $1,000 deductibles.
There is a good probability you may not be 30 years old (or even male), you might be married instead of single, or maybe you need higher liability limits than the state minimum. Every driver's needs are different, and that is why the best method for finding the cheapest coverage for your Dodge is to put in the effort to do a thorough rate comparison. Quotes are free and easy and you will receive prices from the cheapest companies that sell coverage in Illinois.
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Vehicle trim level will have an impact the annual cost of coverage, so the rate you will pay to insure a Ram Quad Cab ST 2WD model will be $150 cheaper than the insurance cost for the more well-appointed Ram Quad Cab Laramie 4WD trim level, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $142 | $176 | $386 | $22 | $116 | $842 | $70 |
| Ram Quad Cab TRX4 Off Road 2WD | $160 | $214 | $386 | $22 | $116 | $898 | $75 |
| Ram Quad Cab SLT 2WD | $160 | $214 | $386 | $22 | $116 | $898 | $75 |
| Ram Crew Cab ST 2WD | $160 | $214 | $386 | $22 | $116 | $898 | $75 |
| Ram Quad Cab ST 4WD | $160 | $214 | $386 | $22 | $116 | $898 | $75 |
| Ram Crew Cab SLT 2WD | $160 | $214 | $386 | $22 | $116 | $898 | $75 |
| Ram Crew Cab TRX 2WD | $160 | $214 | $386 | $22 | $116 | $898 | $75 |
| Ram Quad Cab SLT 4WD | $160 | $214 | $386 | $22 | $116 | $898 | $75 |
| Ram Crew Cab ST 4WD | $160 | $214 | $386 | $22 | $116 | $898 | $75 |
| Ram Crew Cab Sport 2WD | $178 | $252 | $386 | $22 | $116 | $954 | $80 |
| Ram Quad Cab Sport 2WD | $178 | $252 | $386 | $22 | $116 | $954 | $80 |
| Ram Quad Cab TRX4 Off Road 4WD | $178 | $252 | $386 | $22 | $116 | $954 | $80 |
| Ram Crew Cab TRX 4WD | $178 | $252 | $386 | $22 | $116 | $954 | $80 |
| Ram Crew Cab SLT 4WD | $178 | $252 | $386 | $22 | $116 | $954 | $80 |
| Ram Quad Cab Laramie 2WD | $178 | $252 | $386 | $22 | $116 | $954 | $80 |
| Ram Crew Cab Laramie 2WD | $178 | $252 | $386 | $22 | $116 | $954 | $80 |
| Ram Crew Cab Sport 4WD | $178 | $252 | $386 | $22 | $116 | $954 | $80 |
| Ram Quad Cab Sport 4WD | $178 | $252 | $386 | $22 | $116 | $954 | $80 |
| Ram Crew Cab Laramie 4WD | $178 | $290 | $386 | $22 | $116 | $992 | $83 |
| Ram Quad Cab Laramie 4WD | $178 | $290 | $386 | $22 | $116 | $992 | $83 |
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Table data does not factor in garaging location in Chicago which can affect price quotes noticeably.
Finding out which company quotes the best car insurance rates for a Dodge Ram will require a tad more effort than just getting one or two price quotes. Every insurance provider uses a little different formula for determining prices, so let's examine the most affordable car insurance companies in Chicago, IL.
We do need to point out that Chicago, IL car insurance rates are calculated based on many things that can increase the cost of having a policy. Turning one year older, buying a different vehicle, or getting a couple of tickets can cause premium changes that can make some companies more affordable than competitors.
Cheap Insurance Rates for Your Ram Truck
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $753 |
| 2 | Rockford Mutual | $822 |
| 3 | Titan | $852 |
| 4 | Erie | $878 |
| 5 | Cincinnati Insurance | $915 |
| 6 | Utica National | $946 |
| 7 | Travelers | $952 |
| 8 | State Farm | $972 |
| 9 | SECURA | $975 |
| 10 | USAA | $988 |
| 11 | Auto-Owners | $1,033 |
| 12 | Safeco | $1,063 |
| 13 | Amica | $1,076 |
| 14 | GEICO | $1,107 |
| 15 | Farmers | $1,146 |
| 16 | California Casualty | $1,197 |
| 17 | Esurance | $1,197 |
| 18 | Progressive | $1,243 |
| 19 | MetLife | $1,257 |
| 20 | State Auto | $1,273 |
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The Hartford may offer some of the best car insurance rates in Chicago at around $753 a year. Rockford Mutual, Titan, Erie, and Cincinnati Insurance also make the cut as some of the most economical Chicago, IL car insurance companies.
In the above example, if you have coverage with Titan and switched to The Hartford, you may see yearly savings of approximately $99. Customers with Erie may save as much as $125 a year, and Cincinnati Insurance customers might realize rate reductions of up to $162 a year.
To see if your current coverage is too expensive, click here to start your free quote or click through to the companies below.
It's important to note that these premiums are averaged across all insureds and vehicles and do not take into consideration an exact zip code location for a Dodge Ram. So the car insurance company that is best suited for you may not even be in the list above. That underscores the importance of why you need to compare prices as often as possible using your own specific driver information and vehicle.
Types of discounts on Chicago car insurance rates
Insurance companies that sell policies for a Dodge Ram could also offer rate discounts that may potentially lower prices by as much as 40% or more if you meet the requirements. Popular car insurance companies and their offered discounts can be read below.
- State Farm has savings for anti-theft, Steer Clear safe driver discount, accident-free, good student, passive restraint, driver's education, and student away at school.
- Esurance may have discounts that include good driver, Pac-12 alumni, anti-lock brakes, multi-car, homeowner, DriveSense, and claim free.
- Progressive may include discounts for good student, homeowner, multi-policy, online signing, multi-vehicle, and continuous coverage.
- Liberty Mutual may offer discounts for multi-policy, newly married, new graduate, new move discount, and newly retired.
- Auto-Owners Insurance policyholders can earn discounts including multi-policy, anti-theft, mature driver, safe driver, and company car.
- GEICO offers discounts including good student, emergency military deployment, driver training, anti-theft, daytime running lights, multi-policy, and military active duty.
The information below shows the comparison of car insurance rates with and without discounts being applied to the rates. The rates are based on a female driver, no claims, a clean driving record, Illinois state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with anti-theft, marriage, vehicle safety, safe-driver, defensive driving course, and multiple policy discounts applied. When drivers take advantage of discounts, the average amount saved each year on car insurance for a Dodge Ram is 28% or $462.
Why you should be shopping around
Chicago, IL car insurance rates are determined by lots of factors that will increase or decrease the price of coverage. Simply having a birthday, moving to a different location, or getting into an accident may cause policy rate changes that can now make some companies more affordable than the competition. Not only may your situation change, but auto insurance companies file new Illinois car insurance rates as often as every three months in order to remain profitable. Higher than usual claims can cause higher priced premiums, while better underwriting can result in lower-priced Ram insurance rates.
For instance, the data below shows the companies that have the cheapest car insurance in Chicago, IL for a 45-year-old female driver with a clear driving record, no claims, and excellent credit. If we estimate prices based on her current risk factors, The Hartford may have the lowest car insurance rates in Chicago at $1,186 a year. This is $163 less than the average policy premium paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Erie, and Cincinnati Insurance are the remaining cheapest Chicago, IL auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison a claim surcharge, a lower credit score, and a blemish on her driving record. Since each auto insurance company uses a different method to set premium rates, comparing prices may now result in a different set of affordable Chicago car insurance companies as shown below.
SECURA now has the cheapest insurance rate in Chicago with Travelers, State Farm, USAA, and Auto-Owners completing the list. This example demonstrates why it is so important to compare many different companies when trying to get the most budget-friendly insurance quotes for a Dodge Ram. Car insurance prices are calculated by many things and change dramatically, so the cheapest company the last time you checked may now be wasting a lot of money.