How Much is Car Insurance for a Dodge Ram in Henderson?

Buying the cheapest coverage for a Dodge Ram is pretty simple, but it depends on a lot of factors such as how long your commute is, the condition of your credit, and any prior driving citations you have received. Nevada drivers pay approximately $1,428 a year to insure their Ram, but that amount is an estimation using a 30-year-old single female driver with full coverage and $250 deductibles.

When projecting a rate like this, the problem is that you may not be 30 years old (or even female), you might be married instead of single, or you just prefer to insure for liability only. Even a slight difference in policy rating criteria or coverages can result in a large change in the amount insurance costs for a Dodge Ram.

Every driver’s needs are different, and that is why the best method for finding the cheapest rates for your Dodge is to do your own rate comparisons.

Find Cheaper Dodge Ram Insurance

Vehicle trim level will most likely have an effect on the coverage cost, so the price to insure a Ram Quad Cab ST 2WD trim level will be $332 lower than the insurance cost for the more well-appointed Ram Quad Cab Laramie 4WD model, as shown below.

Dodge Ram Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $264 $406 $470 $28 $140 $1,308 $109
Ram Quad Cab TRX4 Off Road 2WD $298 $494 $470 $28 $140 $1,430 $119
Ram Quad Cab SLT 2WD $298 $494 $470 $28 $140 $1,430 $119
Ram Crew Cab ST 2WD $298 $494 $470 $28 $140 $1,430 $119
Ram Quad Cab ST 4WD $298 $494 $470 $28 $140 $1,430 $119
Ram Crew Cab SLT 2WD $298 $494 $470 $28 $140 $1,430 $119
Ram Crew Cab TRX 2WD $298 $494 $470 $28 $140 $1,430 $119
Ram Quad Cab SLT 4WD $298 $494 $470 $28 $140 $1,430 $119
Ram Crew Cab ST 4WD $298 $494 $470 $28 $140 $1,430 $119
Ram Crew Cab Sport 2WD $332 $582 $470 $28 $140 $1,552 $129
Ram Quad Cab Sport 2WD $332 $582 $470 $28 $140 $1,552 $129
Ram Quad Cab TRX4 Off Road 4WD $332 $582 $470 $28 $140 $1,552 $129
Ram Crew Cab TRX 4WD $332 $582 $470 $28 $140 $1,552 $129
Ram Crew Cab SLT 4WD $332 $582 $470 $28 $140 $1,552 $129
Ram Quad Cab Laramie 2WD $332 $582 $470 $28 $140 $1,552 $129
Ram Crew Cab Laramie 2WD $332 $582 $470 $28 $140 $1,552 $129
Ram Crew Cab Sport 4WD $332 $582 $470 $28 $140 $1,552 $129
Ram Quad Cab Sport 4WD $332 $582 $470 $28 $140 $1,552 $129
Ram Crew Cab Laramie 4WD $332 $670 $470 $28 $140 $1,640 $137
Ram Quad Cab Laramie 4WD $332 $670 $470 $28 $140 $1,640 $137
Get Your Own Custom Quote Go

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Price estimates do not factor in vehicle garaging location which can lower or raise rates greatly.

Picking the best auto insurance provider can be challenging considering how many choices there are in Henderson. The company information listed below may help you analyze which auto insurance companies you want to consider when comparing rates. These rankings include companies that insure vehicles across America, so companies that focus mainly on Nevada business will not be included in these rankings.

Best Insurance Companies for a Dodge Ram in Henderson
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Compare Rates Now Go

Data Source: Best Car Insurance Companies

Impact of citations and accidents on Henderson insurance rates

In a perfect world, the ideal way to maintain cheap insurance rates in Henderson for a Ram pickup is to drive cautiously and avoid traffic citations and accidents. The chart below highlights how speeding tickets and accident claims can increase annual premium costs for different age groups. The price estimates are based on a single male driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.

In the previous chart, the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,900. Get written up for one speeding ticket and the average cost hikes up to $2,142, an increase of $241 each year. Now add one accident along with the one speeding ticket and the annual cost of insurance for a Dodge Ram goes up to an average of $2,807. That’s an increase of $907, or $76 per month, just for not keeping your driving record clean!

Cost comparison with and without full coverage

Reducing premiums for insurance should be important to the majority of vehicle owners, and one of the fastest ways to buy cheaper insurance for a Dodge Ram is to not pay for full coverage. The example below illustrates the comparison of annual premium costs with full physical damage coverage and with liability coverage only. The rates are based on no tickets, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are applied.

As an overall average, comp and collision coverage costs an additional $2,252 per year over liability only. A very common question is if it’s a good idea to buy full coverage. There is no written rule of when to exclude comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

How to find low-cost auto insurance for a Dodge Ram

It is possible to find better rates, and here are many penny-pinching ideas that can help drivers locate more affordable car insurance.

The last idea is certainly crucial, as was affirmed in this write-up. Car insurance rates can change in a short period of time, so don’t be afraid to switch carriers if a cheaper price is available. Sticking with a specific company is fine, but it’s not a great idea if your bullheadedness ends up costing you hundreds every year. In less than five minutes you could compare rates to find cheaper insurance for a Dodge Ram in Henderson.

The Henderson, NV, insurance agents below can help you determine which coverage meets your needs best, since some drivers aren’t sure which coverage they need and prefer to get some help when trying to find the best insurance rates for a Ram pickup. It can be complicated to find the best coverage yourself, so professional agents can bring comfort knowing your policy gives you suitable coverage if you ever need to use it. To locate a Henderson car insurance agency close to where you live, click the button following the list or click here to compare price quotes now.

Martha Pailes – State Farm Insurance Agent
613 N Stephanie StHenderson, NV 89014(702) 451-0123

Centurion Insurance Services
1399 Galleria Dr #201Henderson, NV 89014(702) 871-0001

Carol Drake – State Farm Insurance Agent
1913 N Green Valley PkwyHenderson, NV 89074(702) 361-0300

More Henderson, NV insurance agents