Buying the best cheap coverage for a Dodge Ram is pretty simple for most people to do, but it depends on a lot of rating factors such as whether you are married or single, the size of your vehicle, and your policy deductibles. Arizona drivers pay approximately $1,045 each year to insure their Ram, but that figure is an estimate based on a 50-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.
It’s highly likely you’re not a 50-year-old female, single instead of married, or maybe you prefer to not insure for full coverage. Auto insurance is not the same for everyone, so the best method for finding cheap insurance prices for your Dodge is to do the rate comparisons yourself. Do a quick rate comparison now and you will be able to see rates from some of the best companies around.
The trim level of your Dodge tends to impact price, so the cost to insure a Ram Quad Cab ST 2WD model will be $258 less than the insurance cost for the higher-end Ram Quad Cab Laramie 4WD version, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $198 | $318 | $318 | $18 | $96 | $948 | $79 |
| Ram Quad Cab TRX4 Off Road 2WD | $224 | $386 | $318 | $18 | $96 | $1,042 | $87 |
| Ram Quad Cab SLT 2WD | $224 | $386 | $318 | $18 | $96 | $1,042 | $87 |
| Ram Crew Cab ST 2WD | $224 | $386 | $318 | $18 | $96 | $1,042 | $87 |
| Ram Quad Cab ST 4WD | $224 | $386 | $318 | $18 | $96 | $1,042 | $87 |
| Ram Crew Cab SLT 2WD | $224 | $386 | $318 | $18 | $96 | $1,042 | $87 |
| Ram Crew Cab TRX 2WD | $224 | $386 | $318 | $18 | $96 | $1,042 | $87 |
| Ram Quad Cab SLT 4WD | $224 | $386 | $318 | $18 | $96 | $1,042 | $87 |
| Ram Crew Cab ST 4WD | $224 | $386 | $318 | $18 | $96 | $1,042 | $87 |
| Ram Crew Cab Sport 2WD | $250 | $456 | $318 | $18 | $96 | $1,138 | $95 |
| Ram Quad Cab Sport 2WD | $250 | $456 | $318 | $18 | $96 | $1,138 | $95 |
| Ram Quad Cab TRX4 Off Road 4WD | $250 | $456 | $318 | $18 | $96 | $1,138 | $95 |
| Ram Crew Cab TRX 4WD | $250 | $456 | $318 | $18 | $96 | $1,138 | $95 |
| Ram Crew Cab SLT 4WD | $250 | $456 | $318 | $18 | $96 | $1,138 | $95 |
| Ram Quad Cab Laramie 2WD | $250 | $456 | $318 | $18 | $96 | $1,138 | $95 |
| Ram Crew Cab Laramie 2WD | $250 | $456 | $318 | $18 | $96 | $1,138 | $95 |
| Ram Crew Cab Sport 4WD | $250 | $456 | $318 | $18 | $96 | $1,138 | $95 |
| Ram Quad Cab Sport 4WD | $250 | $456 | $318 | $18 | $96 | $1,138 | $95 |
| Ram Crew Cab Laramie 4WD | $250 | $524 | $318 | $18 | $96 | $1,206 | $101 |
| Ram Quad Cab Laramie 4WD | $250 | $524 | $318 | $18 | $96 | $1,206 | $101 |
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rates do not factor in zip code location which can impact coverage rates substantially.
Ending up with a high-quality auto insurance company is hard considering how many companies are available to choose from in Arizona. The information shown below can help you analyze which providers you want to consider comparing rate quotes with.
These ratings are only made up of companies with a national presence, so companies without a large exposure are not taken into consideration for the list. To get rate quotes from these top-rated insurers and more, follow this link.
Top 10 Major Auto Insurance Companies in Scottsdale Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Major Auto Insurance Companies in Scottsdale Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
How violations and accidents impact rates
In a perfect world, the best way to receive the most affordable auto insurance rates in Scottsdale for a Ram pickup is to drive cautiously and not receive tickets or have accidents. The diagram below shows how violations and accident claims impact insurance costs for different age groups of insureds. The premiums are based on a single male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
In the chart above, the average cost of an auto insurance policy in Arizona per year with no accidents and a clean driving record is $2,180. Factor in one speeding ticket and the average cost jumps to $2,454, an increase of $274 each year. Then throw in one accident along with the one speeding ticket and the annual cost of auto insurance for a Dodge Ram jumps again to an average of $3,225. That’s an increase of $1,045, or $87 per month, just for not driving attentively!
Full coverage versus liability-only
Buying cheaper auto insurance is the goal of most vehicle owners, and an effective way to save on the cost of insurance for a Dodge Ram is to buy only liability coverage. The example below illustrates the comparison of insurance costs when comparing full coverage to liability only. The costs are based on no claims or violations, $100 deductibles, single status, and no discounts are applied to the premium.
If the expense is averaged for all age categories, full coverage on your policy costs an extra $2,386 per year more than carrying just liability coverage. A very common question is if you should buy full coverage at all. There is no set rule for phasing out comp and collision coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s assume your vehicle’s book value is $6,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $5,500 after paying your deductible. If you are currently paying more than $550 annually for full coverage, then it may be the right time to buy liability only.
The information below illustrates how your deductible choice can affect insurance rates when searching for cheap insurance for a Dodge Ram. The rate quotes are based on a married male driver, full physical damage coverage, and no other discounts are factored in.
As shown above, a 40-year-old driver could lower their car insurance rates by $258 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $394 by selecting a $1,000 deductible. Even younger insureds, like the age 20 example, could drop their prices as much as $856 annually just by using higher deductibles. When choosing a higher deductible, it is important to have enough funds in savings to satisfy the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.