Finding cheaper auto insurance for a Dodge Ram doesn't take too much effort, but it hinges on a large number of rating criteria such as when you were born, whether or not you have filed claims in the past, and driving violations. Colorado drivers will pay around $1,346 annually for Ram insurance, but that figure is a valuation calculated based on a 30-year-old single male driver with full physical damage coverage and $500 deductibles.

When making auto insurance estimates, the issue arises that you're not a 30-year-old male, you might be married instead of single, or maybe you want different physical damage deductibles. There is no one cookie-cutter policy that works for everyone, so the best method for finding the cheapest insurance price for your Dodge is to compare as many rates as possible. Quotes are free and you will receive price comparisons from top-rated car insurance companies that offer coverage in Colorado.

Compare Rates and Save

The trim level of your vehicle impacts the coverage cost, so the price you pay to insure a Ram Quad Cab ST 2WD trim level will cost $260 less than the insurance cost for the higher-end Ram Quad Cab Laramie 4WD model, as shown below.

Dodge Ram Insurance Rates in Colorado
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $252 $304 $520 $30 $156 $1,262 $105
Ram Quad Cab TRX4 Off Road 2WD $284 $368 $520 $30 $156 $1,358 $113
Ram Quad Cab SLT 2WD $284 $368 $520 $30 $156 $1,358 $113
Ram Crew Cab ST 2WD $284 $368 $520 $30 $156 $1,358 $113
Ram Quad Cab ST 4WD $284 $368 $520 $30 $156 $1,358 $113
Ram Crew Cab SLT 2WD $284 $368 $520 $30 $156 $1,358 $113
Ram Crew Cab TRX 2WD $284 $368 $520 $30 $156 $1,358 $113
Ram Quad Cab SLT 4WD $284 $368 $520 $30 $156 $1,358 $113
Ram Crew Cab ST 4WD $284 $368 $520 $30 $156 $1,358 $113
Ram Crew Cab Sport 2WD $316 $434 $520 $30 $156 $1,456 $121
Ram Quad Cab Sport 2WD $316 $434 $520 $30 $156 $1,456 $121
Ram Quad Cab TRX4 Off Road 4WD $316 $434 $520 $30 $156 $1,456 $121
Ram Crew Cab TRX 4WD $316 $434 $520 $30 $156 $1,456 $121
Ram Crew Cab SLT 4WD $316 $434 $520 $30 $156 $1,456 $121
Ram Quad Cab Laramie 2WD $316 $434 $520 $30 $156 $1,456 $121
Ram Crew Cab Laramie 2WD $316 $434 $520 $30 $156 $1,456 $121
Ram Crew Cab Sport 4WD $316 $434 $520 $30 $156 $1,456 $121
Ram Quad Cab Sport 4WD $316 $434 $520 $30 $156 $1,456 $121
Ram Crew Cab Laramie 4WD $316 $500 $520 $30 $156 $1,522 $127
Ram Quad Cab Laramie 4WD $316 $500 $520 $30 $156 $1,522 $127
Get Your Own Custom Quote Go

Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price information does not factor in your specific Colorado location which can affect prices considerably.

Determining which companies quote the cheapest auto insurance rates for a Dodge Ram in Colorado requires more time than just getting one or two price quotes. Every car insurance company has their own guidelines to determine rates, so we'll go over the most affordable auto insurance companies in Colorado.

It's important to know that Colorado auto insurance rates are impacted by many factors that control the cost of a policy. Turning one year older, buying a new vehicle, or getting caught speeding may cause policy rate changes resulting in some rates now being more affordable than others.

Find Cheaper Auto Insurance for Your Ram Truck

Compare Rates and Save

Colorado car insurance ranked by cost per year
Rank Company Cost Per Year
1 The Hartford $850
2 Grange $987
3 USAA $1,029
4 Nationwide $1,109
5 GEICO $1,152
6 Travelers $1,183
7 Auto-Owners $1,192
8 State Farm $1,259
9 American Family $1,262
10 Progressive $1,322
11 Amica $1,340
12 Allied $1,439
13 California Casualty $1,458
14 Colorado Farm Bureau $1,624
15 Farmers $1,629
16 MetLife $1,830
17 Allstate $2,076
18 Encompass $2,231
19 Safeco $2,522
20 Titan $2,630
Find Your Rate Go

The Hartford offers some of the cheapest car insurance rates in Colorado at around $850 each year. Grange, USAA, Nationwide, and GEICO would also make the list of some of the more affordable Colorado auto insurance companies.

In this example, if you are insured with Grange and switched to The Hartford, you could realize an annual savings of approxmiately $137. Colorado drivers with USAA might save as much as $179 a year, and Nationwide policyholders might lower prices by $259 a year.

These premiums are averaged across all drivers and vehicles and do not take into consideration a specific rate value for a Dodge Ram. So the company that has the cheapest rates for you may not even be in the top 21 companies in the list above. That affirms the importance of why you need to quote rates from many companies using your own specific driver and vehicle information.

Safe drivers pay cheaper rates

The easiest method to obtain the cheapest auto insurance rates in Colorado for a Ram pickup is to drive carefully and avoid at-fault accidents and violations. The information below shows how violations and fender-benders drive up insurance rates for different age groups. The prices are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

The data above shows the average cost of auto insurance in Colorado per year with no violations or accidents is $2,242. Add in one speeding ticket and the average cost hikes up to $2,540, an increase of $298 each year. Now add one accident along with the one speeding ticket and the yearly cost of auto insurance for a Dodge Ram in Colorado goes up to an average of $3,371. That's an increase of $1,129, or $94 per month, just for being a less-than-perfect driver!

The example below demonstrates how deductibles can change insurance premiums when quoting cheap insurance for a Dodge Ram in Colorado. The rates are based on a married male driver, comp and collision included, and no discounts are applied.

A 30-year-old driver could save $336 a year by increasing from a $100 deductible up to a $500 deductible, or save $510 by switching to a $1,000 deductible. Young drivers, like the Age 20 chart data, could roll back prices up to $1,006 or more just by choosing larger deductibles.

When raising deductibles, it is essential to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Why it's important to shop around

Colorado auto insurance rates are influenced by many factors which can significantly increase or decrease the price of your policy. Improving your credit rating, moving to a new city, or having an at-fault accident can cause premium changes resulting in some rates now being more affordable than competitors. In addition to those changes, car insurance companies change rates every year in order to maintain liquidity for claims. An extended period of higher than normal claims may result in high rates, while better underwriting can result in lower-cost Ram insurance rates.

To illustrate this example, the chart below shows the companies that have the cheapest car insurance in Colorado for a 30-year-old male driver with a clear driving record, no claims, and a good credit history. When comparing rates based on his personal risk profile, The Hartford might offer the lowest car insurance rates in Colorado at $834 a year. This is $744 less than the average price paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO round out the rest of the top five cheapest Colorado auto insurance companies.

The chart below compares rates after we give the driver from the first rate comparison a couple of claims, bad credit, and an imperfect driving record. Since each company has their own guidelines to set premium rates, comparing insurance quotes may result in a completely different list of the cheapest Colorado car insurance companies as shown below.

Travelers now has the lowest price in Colorado with State Farm, American Family, Progressive, and Grange now being in the top five. This example demonstrates why drivers need to do a thorough rate comparison to find the most economical insurance quotes for a Dodge Ram.

Insurance prices are determined by many risk factors and can increase or decrease at any time, so the cheapest company the last time you checked may now not even be in the top five.

Tips for buying budget-friendly auto insurance for a Dodge Ram

It's not impossible to find cheaper rates, and here are a few penny-pinching suggestions that can help Colorado drivers buy cheaper auto insurance.

That last piece of advice is incredibly critical, as was noted in the article above. Prices charged by companies change frequently, so don't be afraid to change to a new company if you can find a cheaper rate.

Being loyal to a particular company is commendable, but it isn't a good idea if your bullheadedness ends up costing you money that could be going to better use. Take a couple minutes and compare prices to find cheaper car insurance for a Dodge Ram.