Finding affordable auto insurance for a Dodge Ram in Texas is dependent upon a lot of rating criteria such as your gender, your profession, and any prior driving offenses. Drivers in Texas will pay around $1,789 each year for Ram insurance, but that amount is an estimate calculated using a 40-year-old single female driver with full physical damage coverage and $100 deductibles.
The issue with using an average estimated rate is the likelihood you are not 40 years old and maybe not even female, you might be married instead of single, or you just prefer to insure for liability only. Even a minor difference in the rating criteria used to formulate rates may result in significant differences in the policy rate.
This illustrates why the way we recommend to find cheap insurance rates for your Dodge is to compare rates from as many companies as possible. It only takes a few minutes and you can get prices from the cheapest companies available.
Your vehicle's trim level tends to impact price, so the price you will be charged to insure a Ram Quad Cab ST 2WD trim level will be $440 less expensive the insurance cost for the more costly Ram Quad Cab Laramie 4WD version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$314||$550||$560||$34||$168||$1,626||$136|
|Ram Quad Cab TRX4 Off Road 2WD||$356||$670||$560||$34||$168||$1,788||$149|
|Ram Quad Cab SLT 2WD||$356||$670||$560||$34||$168||$1,788||$149|
|Ram Crew Cab ST 2WD||$356||$670||$560||$34||$168||$1,788||$149|
|Ram Quad Cab ST 4WD||$356||$670||$560||$34||$168||$1,788||$149|
|Ram Crew Cab SLT 2WD||$356||$670||$560||$34||$168||$1,788||$149|
|Ram Crew Cab TRX 2WD||$356||$670||$560||$34||$168||$1,788||$149|
|Ram Quad Cab SLT 4WD||$356||$670||$560||$34||$168||$1,788||$149|
|Ram Crew Cab ST 4WD||$356||$670||$560||$34||$168||$1,788||$149|
|Ram Crew Cab Sport 2WD||$396||$788||$560||$34||$168||$1,946||$162|
|Ram Quad Cab Sport 2WD||$396||$788||$560||$34||$168||$1,946||$162|
|Ram Quad Cab TRX4 Off Road 4WD||$396||$788||$560||$34||$168||$1,946||$162|
|Ram Crew Cab TRX 4WD||$396||$788||$560||$34||$168||$1,946||$162|
|Ram Crew Cab SLT 4WD||$396||$788||$560||$34||$168||$1,946||$162|
|Ram Quad Cab Laramie 2WD||$396||$788||$560||$34||$168||$1,946||$162|
|Ram Crew Cab Laramie 2WD||$396||$788||$560||$34||$168||$1,946||$162|
|Ram Crew Cab Sport 4WD||$396||$788||$560||$34||$168||$1,946||$162|
|Ram Quad Cab Sport 4WD||$396||$788||$560||$34||$168||$1,946||$162|
|Ram Crew Cab Laramie 4WD||$396||$908||$560||$34||$168||$2,066||$172|
|Ram Quad Cab Laramie 4WD||$396||$908||$560||$34||$168||$2,066||$172|
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Table data does not factor in specific location information which can impact premiums considerably.
Which insurance company is best in Texas?
Ending up with the top insurer can be challenging considering how many companies there are in Texas. The company rank data listed below may help you pick which insurers to look at when comparing insurance rates for a Dodge Ram. These rankings include insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in Texas or surrounding areas are not taken into consideration for these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on Lubbock auto insurance
Insurers that offer quotes for a Dodge Ram could also offer rate discounts that can lower rates by as much as 30% if you meet specific eligibility requirements. The best insurance companies and their offered discounts can be found below.
- Farmers Insurance discounts include teen driver, bundle discounts, mature driver, homeowner, multi-car, early shopping, and pay in full.
- State Farm may have discounts that include Steer Clear safe driver discount, good driver, multiple autos, accident-free, and student away at school.
- Liberty Mutual includes discounts for hybrid vehicle, new move discount, exclusive group savings, preferred payment discount, and good student.
- MetLife has discounts for defensive driver, claim-free, good student, good driver, multi-policy, and accident-free.
- Progressive offers discounts for online quote discount, multi-policy, online signing, continuous coverage, and homeowner.
The example below illustrates the comparison of auto insurance rates with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no claims, a clean driving record, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, passive restraint, multiple vehicle, defensive driving course, anti-theft, and marriage discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on insurance for a Dodge Ram is 28% or $576.
The diagram below shows how choosing a deductible can affect insurance prices when getting quotes for cheap insurance for a Dodge Ram. The data is based on a married male driver, comp and collision included, and no policy discounts are applied.
As shown above, a 50-year-old driver could lower their car insurance rates by $382 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $578 by choosing a $1,000 deductible. Even younger insureds, like the age 20 example, could potentially save as much as $1,270 annually by selecting a higher deductible. When choosing a higher deductible, it will be important to have spare funds to be able to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
What aren't you shopping around?
Lubbock, TX insurance rates are influenced by many factors which can substantially change the policy price. Simply having a birthday, filing a claim, or having an accident can trigger changes in premium that can cause some rates to be more affordable than before. Not only that, but insurance companies amend pricing as needed to help ensure profitability. Higher than normal claim frequency or severity can cause more expensive premiums, while profitable underwriting can cause cheaper Ram insurance rates.
For instance, the graph below analyzes the cheapest car insurance in Lubbock, TX for a 35-year-old female driver with no violations or accidents, and great credit. When comparing rates based on her personal risk profile, Travelers might offer the cheapest car insurance rates in Lubbock at $1,142 annually. This is $762 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the rest of the top five cheapest Lubbock, TX auto insurance companies.
The chart below compares rates after we give the driver in the first example an accident surcharge, a lower credit rating, and a blemish on her driving record. Since each auto insurance company has their own unique process to determining premium rates, comparing insurance quotes will most likely result in a slightly different list of affordable Lubbock car insurance companies as shown below.
State Farm now has the best price in Lubbock with Mercury, Nationwide, Safe Auto, and USAA also having competitive pricing. This illustrates why consumers need to compare many different companies to find the lowest auto insurance rates for a Dodge Ram. Rates are determined by many risk factors and can increase or decrease at any time, so the most economical company a year ago may now not even be in the top five.
The Lubbock car insurance agencies listed below are willing to help you decide which insurance coverage will be best for you, since some drivers aren't sure which coverage they need and prefer to have a consultation when shopping for the best coverage for a Dodge Ram. It's not always simple to find the cheapest car insurance policy, so a professional agent can give satisfaction knowing your coverage gives you sufficient coverage for your assets.
To find a Lubbock insurance agency nearest to you, click the button at the bottom or click here to compare prices now.
Ince Insurance Inc
7005 Salem Park Dr - Lubbock, TX 79424 - (806) 797-4131
Rebecca Egert - State Farm Insurance Agent
9810 Indiana Ave Ste 120 - Lubbock, TX 79423 - (806) 795-4344
Area Insurance Associates
4202 Avenue Q - Lubbock, TX 79412 - (806) 747-2400
How to find low-cost insurance for a Dodge Ram
Below you'll find some of the recommended money-saving solutions that can help drivers quote cheap car insurance.
- Don't have frequent claims
- Be a cautious driver
- Higher comprehensive and collision coverage deductibles will save money
- Buying home and auto together can help save money
- Drivers with good credit ratings often pay less
- At-fault accidents will increase rates
- Compare rate quotes often
The last tip is notably valuable, as was discussed in the prior information. Prices charged by car insurance companies in Lubbock can change considerably based on profitability, so don't hesitate to buy from a different company if a lower price can be found. Many drivers tend to have loyalty to a certain company, but it's not recommended if that dedication is costing several hundred dollars every year. Now is a great time to compare prices to find cheaper insurance for a Dodge Ram.