Finding the cheapest insurance for a Dodge Ram in Nevada is pretty easy for most people to do, but it relies on many different factors such as your gender, your geographic location, and any past driving violations you may have had. Drivers in Nevada pay on average $1,051 annually to insure their Ram, but that figure is an estimation calculated using a 50-year-old single male driver with both comprehensive and collision coverage and $500 deductibles.
The problem with using this number is the good chance you are not 50 years old and maybe not even male, you might be married instead of single, and maybe your Ram just needs liability-only coverage. Even a slight change in rating variables or coverage information can result in a large change in the price of a policy.
Everone’s needs are different, and this illustrates why the only real way to find cheap car insurance rates for your Dodge is to compare rates from as many companies as possible.
Find Cheaper Dodge Ram Insurance
Your vehicle’s trim level can impact the cost of insurance, so the price you will be charged to insure a Ram Quad Cab ST 2WD trim level will be $222 lower than the price to insure the more expensive Ram Quad Cab Laramie 4WD model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $166 | $274 | $394 | $24 | $118 | $976 | $81 |
| Ram Quad Cab TRX4 Off Road 2WD | $188 | $334 | $394 | $24 | $118 | $1,058 | $88 |
| Ram Quad Cab SLT 2WD | $188 | $334 | $394 | $24 | $118 | $1,058 | $88 |
| Ram Crew Cab ST 2WD | $188 | $334 | $394 | $24 | $118 | $1,058 | $88 |
| Ram Quad Cab ST 4WD | $188 | $334 | $394 | $24 | $118 | $1,058 | $88 |
| Ram Crew Cab SLT 2WD | $188 | $334 | $394 | $24 | $118 | $1,058 | $88 |
| Ram Crew Cab TRX 2WD | $188 | $334 | $394 | $24 | $118 | $1,058 | $88 |
| Ram Quad Cab SLT 4WD | $188 | $334 | $394 | $24 | $118 | $1,058 | $88 |
| Ram Crew Cab ST 4WD | $188 | $334 | $394 | $24 | $118 | $1,058 | $88 |
| Ram Crew Cab Sport 2WD | $210 | $392 | $394 | $24 | $118 | $1,138 | $95 |
| Ram Quad Cab Sport 2WD | $210 | $392 | $394 | $24 | $118 | $1,138 | $95 |
| Ram Quad Cab TRX4 Off Road 4WD | $210 | $392 | $394 | $24 | $118 | $1,138 | $95 |
| Ram Crew Cab TRX 4WD | $210 | $392 | $394 | $24 | $118 | $1,138 | $95 |
| Ram Crew Cab SLT 4WD | $210 | $392 | $394 | $24 | $118 | $1,138 | $95 |
| Ram Quad Cab Laramie 2WD | $210 | $392 | $394 | $24 | $118 | $1,138 | $95 |
| Ram Crew Cab Laramie 2WD | $210 | $392 | $394 | $24 | $118 | $1,138 | $95 |
| Ram Crew Cab Sport 4WD | $210 | $392 | $394 | $24 | $118 | $1,138 | $95 |
| Ram Quad Cab Sport 4WD | $210 | $392 | $394 | $24 | $118 | $1,138 | $95 |
| Ram Crew Cab Laramie 4WD | $210 | $452 | $394 | $24 | $118 | $1,198 | $100 |
| Ram Quad Cab Laramie 4WD | $210 | $452 | $394 | $24 | $118 | $1,198 | $100 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in vehicle garaging location which can increase or decrease rates greatly.
Choosing a good quality car insurance provider is hard considering how many choices there are in Las Vegas. The ranking data listed below can help you analyze which coverage providers you want to consider buying from.
The rankings below are only made up of large insurance companies, so smaller companies are not factored into these rankings. If you’d like to compare prices from these companies and more, click here.
Top 10 Major Auto Insurers in Las Vegas Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- GEICO – A++
- State Farm – A++
- The Hartford – A+
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Titan Insurance – A+
Top 10 Major Auto Insurers in Las Vegas Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
- Safeco
Irresponsible driving raises your rates
The easiest method to score good car insurance prices in Nevada for a Ram pickup is to drive safely and avoid traffic citations and accidents. The chart below illustrates how violations and accident claims increase auto insurance rates for each age group. The costs are based on a single male driver, comp and collision included, $100 deductibles, and no policy discounts are applied.
In the example above, the average cost of a car insurance policy in Las Vegas per year with a clean driving record and no accidents is $2,252. Factor in one speeding ticket and the average cost jumps to $2,536, an increase of $284 each year. Now add two accidents along with the one speeding ticket and the yearly cost of car insurance for a Dodge Ram increases to an average of $4,953. That’s an increase of $2,700, or $225 per month, just for being a little careless behind the wheel!
The chart below shows how choosing a deductible can influence insurance premiums when quoting cheap insurance for a Dodge Ram. The rates are based on a married male driver, full coverage, and no other discounts are factored in.
As shown above, a 50-year-old driver could lower their car insurance rates by $264 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $404 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old, can save up to $884 each year by choosing a higher deductible. If you do raise deductibles, it is important to have plenty of discretionary funds to satisfy the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Tips for buying economical auto insurance for a Dodge Ram
Here are some of the better money-saving suggestions that can help drivers buy lower-cost auto insurance.
- Claim-free policyholders usually earn a discount
- Having at-fault accidents will increase rates
- Do not get traffic violations
- Drive vehicles with five-star safety ratings
- Improve your credit score
- Compare rates regularly to ensure the best deal
The last tip is remarkably necessary, as was pointed out in the article above. Insurance prices can change considerably in a year, so don’t be hesitant to switch carriers if you can save money. Having a favorite company is great, but we do not recommend it if that loyalty ends up costing money that could be used for better things. In less than five minutes you could compare rates and find cheaper car insurance for a Dodge Ram in Las Vegas.