Finding cheap car insurance for a Dodge Ram hinges on many rating factors such as age of the vehicle, what you do for a living, and violations on your driving record. Drivers in New York pay around $1,108 a year for Ram insurance, but that figure is a projection calculated based on a 50-year-old single male driver with full coverage and $100 deductibles.
There’s a good chance you are not 50 years old and maybe not even male, you might be married instead of single, or maybe you want different physical damage deductibles. Auto insurance requires individual risk assessment, so the way we recommend to find cheap insurance prices for your Dodge is to do the rate comparisons yourself.
The specific trim level will be a contributing factor to the coverage cost, so the cost to insure a Ram Quad Cab ST 2WD will be $276 less expensive the cost to insure the higher-priced Ram Quad Cab Laramie 4WD version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $196 | $348 | $338 | $20 | $102 | $1,004 | $84 |
| Ram Quad Cab TRX4 Off Road 2WD | $222 | $424 | $338 | $20 | $102 | $1,106 | $92 |
| Ram Quad Cab SLT 2WD | $222 | $424 | $338 | $20 | $102 | $1,106 | $92 |
| Ram Crew Cab ST 2WD | $222 | $424 | $338 | $20 | $102 | $1,106 | $92 |
| Ram Quad Cab ST 4WD | $222 | $424 | $338 | $20 | $102 | $1,106 | $92 |
| Ram Crew Cab SLT 2WD | $222 | $424 | $338 | $20 | $102 | $1,106 | $92 |
| Ram Crew Cab TRX 2WD | $222 | $424 | $338 | $20 | $102 | $1,106 | $92 |
| Ram Quad Cab SLT 4WD | $222 | $424 | $338 | $20 | $102 | $1,106 | $92 |
| Ram Crew Cab ST 4WD | $222 | $424 | $338 | $20 | $102 | $1,106 | $92 |
| Ram Crew Cab Sport 2WD | $246 | $500 | $338 | $20 | $102 | $1,206 | $101 |
| Ram Quad Cab Sport 2WD | $246 | $500 | $338 | $20 | $102 | $1,206 | $101 |
| Ram Quad Cab TRX4 Off Road 4WD | $246 | $500 | $338 | $20 | $102 | $1,206 | $101 |
| Ram Crew Cab TRX 4WD | $246 | $500 | $338 | $20 | $102 | $1,206 | $101 |
| Ram Crew Cab SLT 4WD | $246 | $500 | $338 | $20 | $102 | $1,206 | $101 |
| Ram Quad Cab Laramie 2WD | $246 | $500 | $338 | $20 | $102 | $1,206 | $101 |
| Ram Crew Cab Laramie 2WD | $246 | $500 | $338 | $20 | $102 | $1,206 | $101 |
| Ram Crew Cab Sport 4WD | $246 | $500 | $338 | $20 | $102 | $1,206 | $101 |
| Ram Quad Cab Sport 4WD | $246 | $500 | $338 | $20 | $102 | $1,206 | $101 |
| Ram Crew Cab Laramie 4WD | $246 | $574 | $338 | $20 | $102 | $1,280 | $107 |
| Ram Quad Cab Laramie 4WD | $246 | $574 | $338 | $20 | $102 | $1,280 | $107 |
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in zip code location which can decrease or increase premiums greatly.
Finding the highest-rated car insurance company is difficult considering how many companies provide coverage in Buffalo. The ranking data displayed below could help you select which companies you want to consider when trying to find the cheapest insurance for a Dodge Ram. The rankings below only include large, nationwide insurance companies, so companies that may only write in New York are not included in the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The General | 96 | 100 | 92 | 91% | A- | 95 |
| Mercury Insurance | 87 | 96 | 100 | 87% | A+ | 93.4 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
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Data Source: Insure.com Best Car Insurance Companies
The illustration below demonstrates how deductibles can impact insurance prices when quoting cheap insurance for a Dodge Ram. The rates are based on a married male driver, comp and collision included, and no additional discounts are factored in.
The data above shows that a 30-year-old driver could lower rates by $326 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $490 by using a $1,000 deductible. Even younger drivers, like the 20-year-old category, could roll back prices up to $982 every year just by using higher deductibles. When raising deductibles, it will now be necessary to have emergency funds available to be able to pay the extra out-of-pocket expense that comes with higher deductibles.
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Buffalo, NY car insurance rates are impacted by many things that may substantially change your annual premium. Simply having another birthday, having a teenage driver, or getting caught speeding can cause premium changes that can now make some companies much cheaper than others.
Not only may your situation change, but companies change the rates they charge in New York at least once a year to ensure their profitability. Heavy losses may cause higher rates, while better underwriting may produce cheaper Ram insurance rates.
To illustrate this point, the graph below shows the companies that have the cheapest car insurance in Buffalo, NY for a 45-year-old female driver with no prior claims, no tickets, and a good credit rating. Based on her current rating profile, USAA offers the lowest car insurance rates in Buffalo at $1,860 per year. This is $215 less than the average premium paid by New York drivers of $2,075. Erie, Utica National, Progressive, and Travelers are the remainder of the best Buffalo, NY auto insurance companies.
Now let’s give the driver from above a claim, a lower credit rating, and a stop sign violation. Since each company uses a different method to determine rates, comparing quotes may result in a completely different list of the cheapest Buffalo car insurance companies as shown below.
MetLife now has the lowest price in Buffalo with Amica, Preferred Mutual, Erie, and New York Central Mutual now being in the top five. This shows why drivers need to spend some time comparing rates when trying to find the most economical insurance rates for a Dodge Ram.
Rates are made up of many different factors and can change without notice, so the most economical option when you bought your policy may now be one of the more expensive options.