Who Has Affordable Auto Insurance for a Dodge Ram in Plano?

Buying the best cheap auto insurance for a Dodge Ram is pretty easy for most people to do, but it depends on a fairly complex equation with a lot of factors such as the safety rating of your vehicle, the size of your vehicle, and the deductible amount you use. Texas drivers will pay on average $1,128 a year for Ram insurance, but that price is a valuation based upon a 50-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.

When making auto insurance estimates, the issue arises that you aren’t exactly 50 years old or even a female, you might be married instead of single, or maybe you need higher liability limits than the state minimum. Different coverage needs are the reason why the way we recommend to find cheap auto insurance rates for your Dodge is to do your own rate comparisons.

Insure Your Dodge for Less

The trim level of your Ram impacts the cost of insurance, so the price to insure a Ram Quad Cab ST 2WD trim level will be $202 cheaper than the cost to insure the higher-priced Ram Quad Cab Laramie 4WD version, as shown below.

Dodge Ram Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $156 $252 $486 $28 $146 $1,068 $89
Ram Quad Cab TRX4 Off Road 2WD $176 $306 $486 $28 $146 $1,142 $95
Ram Quad Cab SLT 2WD $176 $306 $486 $28 $146 $1,142 $95
Ram Crew Cab ST 2WD $176 $306 $486 $28 $146 $1,142 $95
Ram Quad Cab ST 4WD $176 $306 $486 $28 $146 $1,142 $95
Ram Crew Cab SLT 2WD $176 $306 $486 $28 $146 $1,142 $95
Ram Crew Cab TRX 2WD $176 $306 $486 $28 $146 $1,142 $95
Ram Quad Cab SLT 4WD $176 $306 $486 $28 $146 $1,142 $95
Ram Crew Cab ST 4WD $176 $306 $486 $28 $146 $1,142 $95
Ram Crew Cab Sport 2WD $196 $360 $486 $28 $146 $1,216 $101
Ram Quad Cab Sport 2WD $196 $360 $486 $28 $146 $1,216 $101
Ram Quad Cab TRX4 Off Road 4WD $196 $360 $486 $28 $146 $1,216 $101
Ram Crew Cab TRX 4WD $196 $360 $486 $28 $146 $1,216 $101
Ram Crew Cab SLT 4WD $196 $360 $486 $28 $146 $1,216 $101
Ram Quad Cab Laramie 2WD $196 $360 $486 $28 $146 $1,216 $101
Ram Crew Cab Laramie 2WD $196 $360 $486 $28 $146 $1,216 $101
Ram Crew Cab Sport 4WD $196 $360 $486 $28 $146 $1,216 $101
Ram Quad Cab Sport 4WD $196 $360 $486 $28 $146 $1,216 $101
Ram Crew Cab Laramie 4WD $196 $414 $486 $28 $146 $1,270 $106
Ram Quad Cab Laramie 4WD $196 $414 $486 $28 $146 $1,270 $106
Get Your Own Custom Quote Go

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rate information does not factor in zip code location which can decrease or increase prices substantially.

Trying to find low-cost car insurance is challenging, and deciding which companies offer the lowest-priced car insurance rates for a Dodge Ram may require even more perseverance. Each auto insurance company has a proprietary method for filing rates in each state, so let’s take a look at the car insurance companies with the overall cheapest rates in Texas.

Compare Cheap Insurance Quotes for Your Ram Truck

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Cheapest auto insurance in Texas ranked by cost per year
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,084
3 Texas Farm Bureau $1,247
4 Germania Mutual $1,282
5 Esurance $1,379
6 California Casualty $1,396
7 Mercury $1,506
8 State Farm $1,510
9 Nationwide $1,600
10 Safe Auto $1,613
11 Allstate $1,667
12 Progressive $1,698
13 Amica $1,723
14 Home State $2,092
15 GEICO $2,093
16 MetLife $2,249
17 Encompass $2,255
18 Unitrin $2,310
19 21st Century $2,396
20 Titan $2,672
View More Rates Go

Travelers has some of the best car insurance rates in Plano at around $1,052 each year. This is $852 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the cheapest Plano, TX auto insurance companies.

In the above example, if you have coverage with Germania Mutual and switched to Travelers, you could realize a yearly savings of around $230. Texas drivers with Esurance could save as much as $327 a year, and California Casualty policyholders might reduce prices by as much as $344 a year.

To see if you’re overpaying, click here to start a quote or visit any of the low-priced companies below.

Be aware that those estimates are averaged for all drivers and vehicles and are not factoring in a specific zip code for a Dodge Ram. So the auto insurance company that is best suited for you may not even be in the top 23 companies shown above. That point stresses why you need to get quotes using your own personal information and vehicle type.

Get discounts on Plano insurance

Discounts on car insurance for a Dodge RamInsurers that sell policies for a Dodge Ram may additionally offer premium discounts that could lower prices by as much as 30% if you meet certain criteria. A list of companies and some of the premium reductions they offer include:

The example below illustrates the comparison of insurance costs with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no claims or violations, Texas state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with claim-free, passive restraint, marriage, multiple policy, safe-driver, and multiple vehicle discounts applied. When these discounts are applied, theaverage yearly reduction on car insurance for a Dodge Ram is 28% or $640.

The diagram below highlights how deductible selection can change premium costs when quoting cheap insurance for a Dodge Ram. The rates are based on a single male driver, full coverage, and no discounts are applied to the premium.

In the chart above, a 30-year-old driver could lower their policy premium by $436 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $658 by changing to a $1,000 deductible. Younger drivers, like the age 20 example, could possibly save up to $1,268 annually by using a higher deductible. When insureds make the decision to increase the deductibles on their policy, it is important to have plenty of savings on hand to allow you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

How to find cheaper insurance for a Dodge Ram

Here are some of the better thrifty ideas that can help Texas drivers find more affordable coverage.

That final tip is very important, as was noted in the article above. Rates in Plano fluctuate constantly, so drivers shouldn’t hesitate to switch carriers if a more affordable price is available. Brand loyalty is not necessarily bad, but it isn’t a good idea if that loyalty results in overpaying thousands of dollars over several years. If you have a few minutes, now is a great time to compare rates to find cheaper insurance for a Dodge Ram.

The Plano car insurance agencies listed below are a good start to provide answers to your questions and help you determine which auto insurance coverages would be the best in your situation, as lots of drivers aren’t clear which coverage they need and would like to get some professional advice when trying to find lower insurance rates for a Dodge Ram. It can be challenging to find the cheapest car insurance policy, so using a licensed agent can add peace of mind knowing you have sufficient coverage at claim time.

To locate a Plano auto insurance agent in your neighborhood, click the link after the list.

Arthur Blake Insurance Group
542 Haggard St #502Plano, TX 75074(972) 335-4115

Royalty Insurance Agency
5048 Tennyson Pkwy #250Plano, TX 75024(972) 801-9188

William Kuo – State Farm Insurance Agent
280 Legacy Dr #250Plano, TX 75023(972) 575-9100

Texas FIrst Rate Insurance Agency
2105 W Spring Creek Pkwy #375cPlano, TX 75023(972) 467-6500

Encore Insurance Agency, L.L.C.
2301 Ohio DrPlano, TX 75093(877) 745-5005

View more Plano, TX insurance agencies