Finding the cheapest auto insurance for a Dodge Ram in California is pretty easy for most people to do, but it is dependent upon an enormous amount of rating factors such as how safe your vehicle is, where you live, and the deductible amount you use. California drivers will pay on average $1,696 each year for Ram insurance, but that is based on a 40-year-old single female driver with full coverage and $500 deductibles.
It’s more than likely you are not 40 and maybe not even a female, possibly married instead of single, and you might want liability-only or different deductibles. Having what appears to be a very minor change in the factors used in pricing a policy can make a big difference in the cost of a policy.
This demonstrates why the only real way to find affordable rates for your Dodge is to do the rate comparisons yourself. Quotes are always free and you can get prices from some of the best insurers that insure Dodge vehicles in California.
Your vehicle’s trim level will be a contributing factor to the insurance rate, so the price you will be charged to insure a Ram Quad Cab ST 2WD will cost $352 less than the price to insure the high end Ram Quad Cab Laramie 4WD trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $266 | $430 | $650 | $38 | $194 | $1,578 | $132 |
| Ram Quad Cab TRX4 Off Road 2WD | $300 | $524 | $650 | $38 | $194 | $1,706 | $142 |
| Ram Quad Cab SLT 2WD | $300 | $524 | $650 | $38 | $194 | $1,706 | $142 |
| Ram Crew Cab ST 2WD | $300 | $524 | $650 | $38 | $194 | $1,706 | $142 |
| Ram Quad Cab ST 4WD | $300 | $524 | $650 | $38 | $194 | $1,706 | $142 |
| Ram Crew Cab SLT 2WD | $300 | $524 | $650 | $38 | $194 | $1,706 | $142 |
| Ram Crew Cab TRX 2WD | $300 | $524 | $650 | $38 | $194 | $1,706 | $142 |
| Ram Quad Cab SLT 4WD | $300 | $524 | $650 | $38 | $194 | $1,706 | $142 |
| Ram Crew Cab ST 4WD | $300 | $524 | $650 | $38 | $194 | $1,706 | $142 |
| Ram Crew Cab Sport 2WD | $336 | $618 | $650 | $38 | $194 | $1,836 | $153 |
| Ram Quad Cab Sport 2WD | $336 | $618 | $650 | $38 | $194 | $1,836 | $153 |
| Ram Quad Cab TRX4 Off Road 4WD | $336 | $618 | $650 | $38 | $194 | $1,836 | $153 |
| Ram Crew Cab TRX 4WD | $336 | $618 | $650 | $38 | $194 | $1,836 | $153 |
| Ram Crew Cab SLT 4WD | $336 | $618 | $650 | $38 | $194 | $1,836 | $153 |
| Ram Quad Cab Laramie 2WD | $336 | $618 | $650 | $38 | $194 | $1,836 | $153 |
| Ram Crew Cab Laramie 2WD | $336 | $618 | $650 | $38 | $194 | $1,836 | $153 |
| Ram Crew Cab Sport 4WD | $336 | $618 | $650 | $38 | $194 | $1,836 | $153 |
| Ram Quad Cab Sport 4WD | $336 | $618 | $650 | $38 | $194 | $1,836 | $153 |
| Ram Crew Cab Laramie 4WD | $336 | $712 | $650 | $38 | $194 | $1,930 | $161 |
| Ram Quad Cab Laramie 4WD | $336 | $712 | $650 | $38 | $194 | $1,930 | $161 |
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price information does not factor in specific location which can revise premiums greatly.
Comparing quotes for low-priced car insurance is hard enough, and determining which company quotes the best auto insurance rates for a Dodge Ram requires more quotes for comparison. Each company has their own formula to set their prices, so first let’s look at the rankings for the overall cheapest auto insurance companies in Long Beach.
It’s important to understand that Long Beach auto insurance rates are influenced by many factors which can substantially decrease or increase the price you have to pay. Simply turning a year older, buying a higher-value vehicle, or getting a couple of tickets may cause policy rate changes that may make certain companies higher-priced than before.
Best Auto Insurance Prices for Your Ram Truck
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,146 |
| 3 | CSAA | $1,198 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,512 |
| 9 | GEICO | $1,513 |
| 10 | Mercury | $1,533 |
| 11 | Allstate | $1,559 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,623 |
| 15 | Unitrin | $1,682 |
| 16 | Esurance | $1,688 |
| 17 | State Farm | $1,699 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,788 |
| 20 | Farmers | $1,966 |
| Find Cheaper Rates Go | ||
USAA generally has some of the lowest car insurance rates in Long Beach at around $1,109 annually. This is $542 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also some of the best Long Beach, CA auto insurance companies.
As the example above demonstrates, if you buy coverage from Nationwide and switched to Wawanesa, you might see annual savings of upwards of $117. Drivers with 21st Century could save as much as $179 a year, and Grange customers might lower prices by up to $331 a year.
If you would like to find cheaper car insurance rates, click here to get a free quote or visit any of the low-priced companies below.
Be aware that those policy rates are averaged for all types of insureds and vehicles and do not factor in a specific zip code for a Dodge Ram. So the auto insurance company that can offer you the best rate may not even be in the list above. That illustrates why you need to compare prices as often as possible using your own specific driver information and vehicle.
Rate comparison of full coverage and liability-only
Finding cheaper auto insurance is the goal of most vehicle owners, and one great way to pay lower rates for insurance for a Dodge Ram is to only pay for liability coverage. The illustration below shows the comparison of annual premium costs when comparing full coverage to liability only. The premiums are based on no claims or driving violations, $250 deductibles, single marital status, and no policy discounts are applied.
Averaged for all age groups, comprehensive and collision coverage on your policy costs $3,201 per year more than insuring for liability only. Many drivers will wonder if you should buy full coverage. There isn’t a written rule to stop paying for physical damage coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.
Tickets and at-fault accidents raise rates
In a perfect world, the best way to score the most affordable auto insurance rates in California for a Ram pickup is to drive carefully and avoid accidents and traffic violations. The illustration below highlights how speeding tickets and fender-benders can impact insurance costs for different age categories. The data assumes a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
In the chart above, the average cost of car insurance in Long Beach per year with no accidents or violations is $2,313. Receive one speeding ticket and the average cost increases to $2,661, an increase of $348 each year. Next add one accident along with the one speeding ticket and the yearly cost of auto insurance for a Dodge Ram jumps again to an average of $3,615. That’s an increase of $1,302, or $109 per month, just for not being attentive to the road!
What aren’t you shopping around?
California auto insurance rates are determined by lots of factors which can substantially decrease or increase the price you pay for coverage. Improving your credit rating, buying a different home, or getting caught speeding can trigger changes in premium that may make certain companies cheaper than before. Additionally, insurance companies file new rates as often as every three months to adjust for unexpected claims or profits. Higher than usual claims can result in higher prices, while less frequent claims may produce cheaper Ram insurance rates.
To help illustrate this point, the chart below shows the companies that have the cheapest car insurance in Long Beach, CA for a 45-year-old male driver with a clean driving record, no accidents, and good financial standing. If we compare prices based on his personal risk profile, USAA may offer the lowest car insurance rates in Long Beach at $1,376 a year. This is $275 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the remainder of the top five cheapest Long Beach, CA auto insurance companies.
Now we will pretend the driver in the first example a claim surcharge, slightly worse credit, and a traffic citation. Due to the fact that every insurance company uses a different method to set premium rates, comparing insurance quotes will most likely result in a new list of companies as shown below.
Grange now has the lowest price on auto insurance in Long Beach, CA with Allstate, Mercury, GEICO, and Progressive also having competitive pricing. This demonstrates why California drivers need to perform a complete rate comparison to get the cheapest auto insurance quotes for a Dodge Ram.
Prices are influenced by many factors and change substantially, so the best option six months ago may now be quite expensive.
How to find low-cost insurance for a Dodge Ram
It is possible to find better rates, and here are some of the better money-saving suggestions that can help Long Beach drivers get cheap coverage.
- Do not get traffic citations
- Drive a car with a high safety rating
- Avoid accidents
- Having too many claims will increase rates substantially
- Good credit can mean cheaper rates
- Compare rate quotes often
The last suggestion is highly important, as we stressed in this write-up. Auto insurance rates adjust often, so drivers shouldn’t be reluctant to buy a policy from a new company if you can save money. Many drivers have brand loyalty and that’s fine, but it’s not a good idea if that loyalty ends up costing money that could be used for better things. Take a few minutes and compare rates to find cheaper insurance for a Dodge Ram in Long Beach.
If you would rather get help from a professional when buying car insurance for a Ram pickup, the agencies below are willing to help you determine which auto insurance policy fits you best.
To find an agent using an interactive map, click the link at the bottom or click here to compare prices now.
- Lara Insurance
6689 Downey Ave – Long Beach, CA 90805 – (562) 408-2800 - Farmers Insurance – Steven Gordon
1800 Palo Verde Ave d – Long Beach, CA 90815 – (562) 598-9500 - Galaxy Insurance Service, Inc
2411 E Anaheim St – Long Beach, CA 90804 – (562) 438-7000