Who Has Affordable Car Insurance Rates for a Dodge Ram in Arlington?

Finding cheap car insurance for a Dodge Ram in Texas is dependent upon a whole bunch of factors such as how old the Ram is, whether or not you garage your vehicle, and any driving offenses on your record. Drivers will pay on average $1,064 a year to insure their Ram, but that cost is an approximation using a 40-year-old married male driver with full coverage and $1,000 deductibles.

When estimating a car insurance rate like we just did, the issue is that you are not 40 years old and maybe not even male, you might be single instead of married, or maybe you have a teenager that needs to be on your policy. Everyone has unique insurance needs, and this illustrates why the only way to find cheap auto insurance rates for your Dodge is to do your own rate comparisons. Quotes are always free and you will be able to compare rates from some of the most affordable companies that insure vehicles in Texas.

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The trim level of your Dodge will have an impact the cost of insurance, so the price you will be charged to insure a Ram Quad Cab ST 2WD will be $196 less than the insurance cost for the more expensive Ram Quad Cab Laramie 4WD trim level, as shown in the chart below.

Dodge Ram Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $166 $236 $444 $26 $132 $1,004 $84
Ram Quad Cab TRX4 Off Road 2WD $186 $288 $444 $26 $132 $1,076 $90
Ram Quad Cab SLT 2WD $186 $288 $444 $26 $132 $1,076 $90
Ram Crew Cab ST 2WD $186 $288 $444 $26 $132 $1,076 $90
Ram Quad Cab ST 4WD $186 $288 $444 $26 $132 $1,076 $90
Ram Crew Cab SLT 2WD $186 $288 $444 $26 $132 $1,076 $90
Ram Crew Cab TRX 2WD $186 $288 $444 $26 $132 $1,076 $90
Ram Quad Cab SLT 4WD $186 $288 $444 $26 $132 $1,076 $90
Ram Crew Cab ST 4WD $186 $288 $444 $26 $132 $1,076 $90
Ram Crew Cab Sport 2WD $208 $338 $444 $26 $132 $1,148 $96
Ram Quad Cab Sport 2WD $208 $338 $444 $26 $132 $1,148 $96
Ram Quad Cab TRX4 Off Road 4WD $208 $338 $444 $26 $132 $1,148 $96
Ram Crew Cab TRX 4WD $208 $338 $444 $26 $132 $1,148 $96
Ram Crew Cab SLT 4WD $208 $338 $444 $26 $132 $1,148 $96
Ram Quad Cab Laramie 2WD $208 $338 $444 $26 $132 $1,148 $96
Ram Crew Cab Laramie 2WD $208 $338 $444 $26 $132 $1,148 $96
Ram Crew Cab Sport 4WD $208 $338 $444 $26 $132 $1,148 $96
Ram Quad Cab Sport 4WD $208 $338 $444 $26 $132 $1,148 $96
Ram Crew Cab Laramie 4WD $208 $390 $444 $26 $132 $1,200 $100
Ram Quad Cab Laramie 4WD $208 $390 $444 $26 $132 $1,200 $100
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rate quotes do not factor in specific location which can affect premium rates greatly.

Shopping around for affordable auto insurance is not most people’s favorite thing to do, and finding out which companies quote the most affordable car insurance rates for a Dodge Ram involves even more perseverance. Each auto insurer has their own guidelines for establishing rates, so to begin we’ll rank the most budget-friendly car insurance companies in Texas.

It’s important that you understand Arlington, TX car insurance rates are impacted by many factors which can substantially change the policy price. This price variability is why it is crucial to shop around with many companies to find the lowest car insurance rates for a Dodge Ram. Insurance prices are impacted by many things and can decrease or increase without notice, so the most economical option when you bought your policy may now be one of the higher cost companies.

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Rankings for the cheapest Texas auto insurance companies
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,117
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,244
5 Esurance $1,365
6 California Casualty $1,438
7 State Farm $1,450
8 Mercury $1,521
9 Nationwide $1,600
10 Safe Auto $1,613
11 Progressive $1,647
12 Amica $1,705
13 Allstate $1,718
14 GEICO $2,072
15 Home State $2,092
16 MetLife $2,227
17 Encompass $2,232
18 Unitrin $2,310
19 21st Century $2,469
20 Titan $2,646
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Travelers may offer some of the lowest car insurance rates in Arlington at around $1,041 per year. This is $863 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the best Arlington, TX auto insurance companies.

In the above rates, if you buy coverage from Germania Mutual and switched to USAA, you may see a yearly price reduction of approximately $127. Insureds with Esurance may save as much as $248 a year, and California Casualty insureds might reduce rates by $321 a year.

If you want to find out if you’re overpaying, click here to begin a quote or quote rates from the companies below.

These policy rates are averages across all drivers and vehicles in Texas and do not take into consideration a specific location for a Dodge Ram. So the auto insurance company that fits your situation best may not even be in the top 23 companies shown above. That point stresses why you need to compare prices as often as possible using your own personal information and vehicle type.

Full coverage rates vs. liability-only in Arlington

Finding the cheapest car insurance is probably important to most people, and a good way to buy cheaper insurance for a Dodge Ram is to only pay for liability coverage. The illustration below compares insurance costs with full physical damage coverage compared to only buying liability only. Data assumes a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are single, and no other discounts are factored in.

As an average for all age groups, physical damage coverage costs an extra $2,291 per year over liability only. Many of you may wonder if buying full coverage is worth the money. There is no set rule for excluding physical damage coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s assume your vehicle’s book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $8,000 after paying the physical damage deductible. If you are paying over $800 a year to have full coverage, then it’s probably a good time to buy liability coverage only.

There are a few cases where buying only liability insurance is not in your best interest. If you still have a loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

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Texas car insurance rates are influenced by many factors which can substantially change the cost of coverage. Simply improving your credit, increasing deductibles, or getting a speeding ticket may prompt premium changes resulting in some companies being affordable when they were higher priced. Not only may things change on your end, but auto insurance companies change rates as often as every quarter in order to protect their financial rating. Higher than normal claim frequency or severity may result in high rates, while lower claims can produce lower-priced Ram insurance rates.

To illustrate this point, the graph below shows the companies that have the cheapest car insurance in Arlington, TX for a 35-year-old female driver with no accidents, a clean driving record, and excellent credit. If we look at prices based on her current rating profile, Travelers might offer the most affordable car insurance rates in Arlington at $1,106 a year. This is $798 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also make the list of the top five cheapest Arlington, TX auto insurance companies.

In this next rate comparison, we will give the driver from the first rate comparison a claim surcharge, slightly worse credit, and a few blemishes on her driving record. Due to the fact that every insurance company uses their own calculation for establishing rates, comparing quotes may result in a different list of the cheapest Arlington car insurance companies as shown below.

Mercury now has the cheapest car insurance in Arlington, TX with State Farm, USAA, Safe Auto, and Nationwide completing the list. This example demonstrates why Texas drivers need to do a thorough rate comparison when trying to get the most economical insurance quotes for a Dodge Ram. Rates are made up of many risk factors and change substantially, so the best option when you last compared rates may now be quite expensive.

How to find economical car insurance for a Dodge Ram

The list below summarizes some of the recommended money-saving suggestions that can help you get lower-cost car insurance.

That final tip is particularly significant, as we emphasized in the prior article. Insurance rates change constantly, so don’t be afraid to buy from a new company if you find a cheaper price.

Having a favorite company is great, but we do not recommend it if your bullheadedness ends up costing you a lot of money. Now is a great time to shop around to find cheaper auto insurance for a Dodge Ram in Arlington.

If you aren’t sure which coverage to buy and prefer to have a little guidance when shopping for cheaper insurance for a Ram pickup, the agencies below are a good start to answer your questions and help you decide which auto insurance policy fits you best. To locate an agency close to you, click the button below the list.

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