Buying the cheapest insurance for a Dodge Ram in Florida is pretty easy for most people, but it depends on an enormous amount of factors such as how far you drive to work, the likelihood of your vehicle being stolen, and the level of deductible you choose. Florida drivers pay approximately $1,188 per year for Ram insurance, but that figure is an estimation calculated based on a 40-year-old married female driver with full coverage and $1,000 deductibles.
But there is a high likelihood that you may not be 40 years old (or even female), you might be single instead of married, and you may just want the cheapest liability coverage you can find. Even a slight difference in rating variables or coverage information can result in a large change in how much insurance for a Dodge Ram costs.
There is no perfect policy for every driver, so the way we recommend to find cheap insurance rates for your Dodge is to compare as many rates as possible. It only takes a few minutes and you will be able to see rates from some of the most affordable companies that offer coverage in Florida.
Find Cheaper Dodge Ram Insurance
Vehicle trim level has an effect on price, so the rate you pay to insure a Ram Quad Cab ST 2WD will be $222 less expensive the insurance cost for the high end Ram Quad Cab Laramie 4WD model, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $172 | $276 | $494 | $30 | $148 | $1,120 | $93 |
| Ram Quad Cab TRX4 Off Road 2WD | $194 | $334 | $494 | $30 | $148 | $1,200 | $100 |
| Ram Quad Cab SLT 2WD | $194 | $334 | $494 | $30 | $148 | $1,200 | $100 |
| Ram Crew Cab ST 2WD | $194 | $334 | $494 | $30 | $148 | $1,200 | $100 |
| Ram Quad Cab ST 4WD | $194 | $334 | $494 | $30 | $148 | $1,200 | $100 |
| Ram Crew Cab SLT 2WD | $194 | $334 | $494 | $30 | $148 | $1,200 | $100 |
| Ram Crew Cab TRX 2WD | $194 | $334 | $494 | $30 | $148 | $1,200 | $100 |
| Ram Quad Cab SLT 4WD | $194 | $334 | $494 | $30 | $148 | $1,200 | $100 |
| Ram Crew Cab ST 4WD | $194 | $334 | $494 | $30 | $148 | $1,200 | $100 |
| Ram Crew Cab Sport 2WD | $216 | $394 | $494 | $30 | $148 | $1,282 | $107 |
| Ram Quad Cab Sport 2WD | $216 | $394 | $494 | $30 | $148 | $1,282 | $107 |
| Ram Quad Cab TRX4 Off Road 4WD | $216 | $394 | $494 | $30 | $148 | $1,282 | $107 |
| Ram Crew Cab TRX 4WD | $216 | $394 | $494 | $30 | $148 | $1,282 | $107 |
| Ram Crew Cab SLT 4WD | $216 | $394 | $494 | $30 | $148 | $1,282 | $107 |
| Ram Quad Cab Laramie 2WD | $216 | $394 | $494 | $30 | $148 | $1,282 | $107 |
| Ram Crew Cab Laramie 2WD | $216 | $394 | $494 | $30 | $148 | $1,282 | $107 |
| Ram Crew Cab Sport 4WD | $216 | $394 | $494 | $30 | $148 | $1,282 | $107 |
| Ram Quad Cab Sport 4WD | $216 | $394 | $494 | $30 | $148 | $1,282 | $107 |
| Ram Crew Cab Laramie 4WD | $216 | $454 | $494 | $30 | $148 | $1,342 | $112 |
| Ram Quad Cab Laramie 4WD | $216 | $454 | $494 | $30 | $148 | $1,342 | $112 |
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Information does not factor in specific location which can lower or raise rates greatly.
Establishing which companies have the cheapest auto insurance rates for a Dodge Ram involves more time than just picking a company at random. Each auto insurer has their own unique process to set policy rates, so we’ll take a look at the lowest cost auto insurance companies in Orlando, FL.
We do need to point out that Orlando, FL auto insurance rates are calculated based on many things which can substantially change the policy premium. Simply getting older, having a teen driver, or having an accident can produce rate changes that can cause some rates to be more affordable than the competition.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $948 |
| 2 | Electric | $1,694 |
| 3 | Amica | $1,694 |
| 4 | Progressive | $1,829 |
| 5 | Travelers | $1,945 |
| 6 | Mercury | $1,992 |
| 7 | Allied | $2,004 |
| 8 | Esurance | $2,020 |
| 9 | Auto-Owners | $2,107 |
| 10 | GEICO | $2,108 |
| 11 | State Farm | $2,110 |
| 12 | Allstate | $2,317 |
| 13 | 21st Century | $2,469 |
| 14 | Windhaven Insurance | $2,627 |
| 15 | Safeco | $2,927 |
| 16 | MetLife | $2,958 |
| 17 | Liberty Mutual | $3,039 |
| 18 | Hanover | $3,054 |
| 19 | United Automobile | $3,457 |
| 20 | Direct General | $4,022 |
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USAA offers some of the lowest car insurance rates in Orlando at around $948 per year. Electric, Amica, Progressive, and Travelers are also some of the lowest-priced Orlando, FL insurance companies.
As illustrated above, if you are insured with Progressive and switched to Electric, you could earn an annual savings of about $135. Customers with Travelers may save as much as $251 a year, and Mercury customers might lower prices by $298 a year.
To get a quick, customized rate comparison, click here to begin a quote or click through to the companies below.
It’s important to note that these premiums are averaged for all types of 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 get rate quotes using your own personalized driver profile and vehicle information.
Get discounts on Orlando car insurance rates
Insurers that offer coverage for a Dodge Ram may provide discounts that could lower prices by 30% or more if you meet specific criteria. Companies and their possible discounts are detailed below.
- Mercury Insurance may offer discounts for annual mileage, multi-car, type of vehicle, low natural disaster claims, accident-free, and multi-policy.
- Farmers Insurance offers premium reductions for multi-car, alternative fuel, youthful driver, business and professional, and distant student.
- Farm Bureau has savings for driver training, good student, multi-policy, multi-vehicle, renewal discount, and 55 and retired.
- State Farm may include discounts for multiple policy, passive restraint, good driver, driver’s education, Steer Clear safe driver discount, multiple autos, and accident-free.
- Allstate offers discounts for anti-theft, premier discount, FullPay discount, EZ pay plan discount, auto/life discount, safe driver, and farm vehicle.
- GEICO offers discounts including federal employee, military active duty, seat belt use, five-year accident-free, multi-policy, daytime running lights, and driver training.
The example below shows the difference between auto insurance rates with and without discounts applied to the rates. The premiums are based on a female driver, no claims or driving violations, Florida state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple vehicle, safe-driver, passive restraint, accident-free, defensive driving course, and anti-theft discounts applied. When these discounts are applied, theaverage amount saved on auto insurance for a Dodge Ram is 28% or $639.
How much more does full coverage cost?
Finding cheaper auto insurance is important to most drivers, and one of the easiest ways to find cheaper insurance for a Dodge Ram is to buy only liability coverage. The diagram below shows the difference between premium costs with full coverage compared to only the Florida minimum liability coverage. The prices are based on no violations or accidents, $250 deductibles, single status, and no additional discounts are factored in.
If the expense is averaged for all age categories, comprehensive and collision coverage on your policy costs $3,203 per year more than just buying liability only. At some point, every insured wonders when is the right time to remove full coverage. There is no set rule for eliminating physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
The importance of shopping around for Ram insurance
Orlando auto insurance rates are calculated based on many things which can substantially change the policy premium. Improving your credit score, having a teenage driver, or getting a couple of tickets may prompt premium changes that can cause some rates to be more affordable than before.
Not only may your situation change, but insurers modify pricing as often as every quarter to adjust for heavy claims or excess profits. Higher than normal claims may result in more expensive premiums, while better underwriting may result in lower-priced Ram insurance rates.
The chart below compares the cheapest car insurance in Orlando, FL for a 30-year-old male driver with no prior accidents, a clean driving record, and a good credit history. When comparing rates based on his current rating profile, USAA may offer the cheapest car insurance rates in Orlando at $1,203 annually. This is $1,245 less than the average rate paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are also on the list of the best Orlando, FL auto insurance companies.
The chart below compares rates after we give the driver from the first rate comparison a chargeable claim, a lower credit score, and a speeding ticket. Since every car insurance company has their own formula for establishing rates, analyzing rates may now show a substantially altered list of affordable Orlando car insurance companies as shown below.
USAA now has the cheapest price in Orlando with Allied, Esurance, State Farm, and GEICO now being in the top five. This shows why drivers need to do a thorough rate comparison to find the lowest auto insurance quotes for a Dodge Ram.
Insurance prices can be determined by many things and change dramatically, so the most affordable company the last time you compared rates may now be quite expensive.
The auto insurance agents in Orlando shown below are a good start to aid you in deciding which coverage meets your needs best, since some drivers aren’t sure which coverage they need and prefer to get some professional advice when comparing insurance rates for a Ram pickup. It can be challenging to find the best coverage on your own, and professional agents can provide you comfort knowing your coverage gives you sufficient coverage at claim time. To locate an agency closest to you, click the button at the bottom of the list or click here to get price quotes now.
- Alfredo Ortega – State Farm Insurance Agent
1118 Manor Dr – Orlando, FL 32807 – (407) 249-9999 - SVF Insurance LLC
1205 N Pine Hills Rd – Orlando, FL 32808 – (407) 447-2204 - Bill Cordy – State Farm Insurance Agent
2737 N Hiawassee Rd – Orlando, FL 32818 – (407) 298-9996 - R J Allen – State Farm Insurance Agent
8255 Lee Vista Blvd C – Orlando, FL 32829 – (407) 823-7900
More insurance agents in Orlando, FL
Ideas for finding the cheapest insurance for a Dodge Ram
The list below summarizes some money-saving suggestions that can help Orlando drivers find cheaper coverage.
- Just one traffic violation will increase your rates
- Improve your credit rating
- Safer vehicles generally have cheaper insurance rates
- Being accident-free can lower rates significantly
- Raise comprehensive and collision coverage deductibles
- Check for cheaper rates once a year
The last tip in the list is particularly critical, as was emphasized in the prior information. Insurance prices change frequently, so don’t hesitate to buy a policy from a new company if you find a better deal.
Staying with the same company for years is fine, but it’s not recommended if it’s costing you lots of hard earned cash every month. If you have a few minutes, now is a great time to compare prices and find cheaper car insurance for a Dodge Ram in Orlando.