How Much are Riverside Car Insurance Quotes for a Dodge Ram?

Finding the best cheap auto insurance for a Dodge Ram in California is dependent upon a lot of rating factors such as how far you drive to work, your credit score, and your policy deductibles. Drivers in California pay approximately $1,724 a year for Ram insurance, but that price is a projection based on a 40-year-old married male driver with both comprehensive and collision coverage and $100 deductibles.

This brings up the issue that more than likely you’re not a 40-year-old male, single instead of married, and you might want liability-only or different deductibles. Having what appears to be a very minor change in rating variables may result in significant differences in the cost of insurance for a Dodge Ram.

This illustrates why the best method for finding the cheapest rates for your Dodge is to do your own rate comparisons.

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The specific trim level tends to impact the coverage cost, so the rate you will pay to insure a Ram Quad Cab ST 2WD will be $426 less than the insurance cost for the more costly Ram Quad Cab Laramie 4WD model, as shown in the prices below.

Dodge Ram Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $346 $520 $514 $30 $154 $1,564 $130
Ram Quad Cab TRX4 Off Road 2WD $390 $632 $514 $30 $154 $1,720 $143
Ram Quad Cab SLT 2WD $390 $632 $514 $30 $154 $1,720 $143
Ram Crew Cab ST 2WD $390 $632 $514 $30 $154 $1,720 $143
Ram Quad Cab ST 4WD $390 $632 $514 $30 $154 $1,720 $143
Ram Crew Cab SLT 2WD $390 $632 $514 $30 $154 $1,720 $143
Ram Crew Cab TRX 2WD $390 $632 $514 $30 $154 $1,720 $143
Ram Quad Cab SLT 4WD $390 $632 $514 $30 $154 $1,720 $143
Ram Crew Cab ST 4WD $390 $632 $514 $30 $154 $1,720 $143
Ram Crew Cab Sport 2WD $436 $744 $514 $30 $154 $1,878 $157
Ram Quad Cab Sport 2WD $436 $744 $514 $30 $154 $1,878 $157
Ram Quad Cab TRX4 Off Road 4WD $436 $744 $514 $30 $154 $1,878 $157
Ram Crew Cab TRX 4WD $436 $744 $514 $30 $154 $1,878 $157
Ram Crew Cab SLT 4WD $436 $744 $514 $30 $154 $1,878 $157
Ram Quad Cab Laramie 2WD $436 $744 $514 $30 $154 $1,878 $157
Ram Crew Cab Laramie 2WD $436 $744 $514 $30 $154 $1,878 $157
Ram Crew Cab Sport 4WD $436 $744 $514 $30 $154 $1,878 $157
Ram Quad Cab Sport 4WD $436 $744 $514 $30 $154 $1,878 $157
Ram Crew Cab Laramie 4WD $436 $856 $514 $30 $154 $1,990 $166
Ram Quad Cab Laramie 4WD $436 $856 $514 $30 $154 $1,990 $166
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate information does not factor in specific location which can alter price quotes substantially.

Comparing rates for cost effective insurance is tough enough, and deciding which companies quote the best insurance rates for a Dodge Ram calls for even more perseverance. Every auto insurer has their own unique process for setting rates, so let’s begin by examining the overall cheapest insurance companies in Riverside, CA.

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Cheapest auto insurance in California ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,146
3 Century National $1,190
4 CSAA $1,234
5 Nationwide $1,250
6 21st Century $1,366
7 Grange $1,477
8 Mercury $1,503
9 Allstate $1,543
10 Progressive $1,558
11 GEICO $1,559
12 The Hartford $1,575
13 Allied $1,588
14 MetLife $1,606
15 Unitrin $1,733
16 Esurance $1,739
17 State Farm $1,750
18 Travelers $1,788
19 Bristol West $1,831
20 Farmers $1,946
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USAA generally has some of the best car insurance rates in Riverside at around $1,109 per year. Wawanesa, Century National, CSAA, and Nationwide also make the cut as some of the more affordable Riverside, CA insurance companies.

In this example, if you are insured with CSAA and switched to USAA, you might see a yearly savings of approximately $125. California drivers with Nationwide could save as much as $141 a year, and 21st Century customers might reduce prices by as much as $257 a year.

Remember that these estimates are averaged across all drivers and vehicles and do not take into consideration a vehicle location for a Dodge Ram. So the car insurance company that is most affordable for your situation may not even be in the top 24 companies in the list above. That point stresses why you need to get rate quotes using your own driver data and vehicle information.

Full coverage versus liability only rates

Reducing premiums for insurance is probably important to most people, and one of the quickest ways to pay less for insurance for a Dodge Ram is to buy only liability coverage. The example below shows the comparison of car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The data assumes no violations or claims, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

If the expense is averaged for all age categories, full coverage costs $2,653 per year over and above liability only. At some point, almost every driver questions if you should buy full coverage. There is no clear-cut formula for phasing out comp and collision coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

There are some cases where dropping physical damage coverage is not recommended. If you still owe a portion of the original loan, you have to keep full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

The importance of comparing Ram insurance rates

California insurance rates are impacted by many things which can significantly increase or decrease the policy price. Simply having a birthday, buying a home instead of renting, or getting a couple of tickets may prompt premium changes that can cause some rates to be more affordable than others.

And not only may your rating factors change, but insurers amend premium rates every year in order to protect their financial rating. Significantly higher claims may cause more expensive prices, while lower claim expenses can result in cheaper Ram insurance rates.

As an example, the chart below compares the cheapest car insurance in Riverside, CA for a 45-year-old female driver with no prior accidents, a clean driving record, and a high credit rating. When quoting prices based on her current situation, USAA may offer the lowest car insurance rates in Riverside at $1,299 each year. This is $352 less than the average price paid by California drivers of $1,651. CSAA, Wawanesa, Century National, and Nationwide round out the rest of the cheapest Riverside, CA auto insurance companies.

Now let’s give the driver from the first set of rates a chargeable claim, a little lower credit rating, and a few blemishes on her driving record. Because every insurance company uses their own method to set premium rates, comparing rates may now present a different set of the cheapest car insurance companies in Riverside as shown below.

Grange now has the best auto insurance rate in Riverside, CA with Mercury, Progressive, Allied, and Allstate now rounding out the top five. This example illustrates why it is so important to compare many different companies when trying to get cheap auto insurance rates for a Dodge Ram. Prices can be altered by many risk factors and can increase or decrease at any time, so the most economical option the last time you compared rates may now be one of the more expensive options.

The agents below can provide answers to your questions and help you determine which auto insurance coverages would be the best in your situation, since many people would rather get some help when comparing insurance rates for a Dodge Ram. It’s not always simple to find the best rates on your own, so insurance agents can give you satisfaction knowing your coverage gives you enough protection. To find an agent closest to you, click the link after the list or click here to compare price quotes now.

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