How Much is Insurance for a Dodge Ram in Georgia?

The odds of finding affordable auto insurance for a Dodge Ram in Georgia is dependent upon a complex equation that considers factors like your birth date, where your vehicle is garaged, and if you have any chargeable driving offenses. Drivers in Georgia pay approximately $1,840 each year to buy insurance for a Dodge Ram, but that is a projection rating a 40-year-old single female driver that wants comprehensive and collision coverage and $100 deductibles.

But there is a high likelihood that you are not a 40-year-old female, possibly married instead of single, or maybe you’ve had an at-fault accident or two. Different coverage needs are the reason why the best way to quote the cheapest coverage for your Dodge is to get into the habit of shopping around regularly.

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The trim level of your Dodge impacts the annual cost of coverage, so the price you will be charged to insure a Ram Quad Cab ST 2WD model will cost $454 less than the insurance cost for the higher-end Ram Quad Cab Laramie 4WD model, as shown in the table below.

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in vehicle location which can raise or lower coverage rates significantly.

Insuring your vehicle with the best car insurance provider can be a challenge considering how many different insurance companies sell coverage in Georgia. The information in the next section can help you choose which coverage providers to look at when trying to find cheaper insurance for a Dodge Ram.

The rankings below include major nationwide insurance companies, so companies that may only write in Georgia will not be included in this list. If you wish to compare prices from these top-rated insurers and more, follow this link.

Top 10 Major Car Insurance Companies in Georgia Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Top Companies for Dodge Ram Insurance in Georgia

Get discounts on Georgia car insurance

Car insurance companies that sell cheap insurance for a Dodge Ram in Georgia may also offer price discounts that could reduce prices by as much as 40% or more if you are eligible. Companies and some of their more popular discounts include:

The example below shows the comparison of yearly insurance costs with and without discounts being applied to the rates. The information is based on a male driver, no claims or driving violations, Georgia state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, marriage, accident-free, and multiple policy discounts applied. In this example, the average savings per year on insurance for a Dodge Ram is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3839,2753],[‘Age 30’, 2023,1465],[‘Age 40’, 1973,1425],[‘Age 50’, 1801,1303],[‘Age 60’, 1747,1263],[‘Age 70’, 2169,1559]]);var options = {title: ‘Insurance Rate Comparison with Discounts for a Dodge Ram’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Ram’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Why you are probably overpaying for Ram insurance

Georgia insurance rates are based on many factors which can significantly increase or decrease the policy premium. Improving your credit score, buying a home instead of renting, or getting a couple of tickets can trigger price changes resulting in some companies being cheaper than before.

Not only may your risk profile change, but insurers amend pricing every year as an adjustment for underwriting gains or losses. An extended period of higher than normal claims may cause rate hikes, while better underwriting may cause cheaper Ram insurance rates.

For instance, the chart below shows the companies that have the cheapest car insurance in Georgia for a 45-year-old female driver with a good driving record, no prior claims, and good financial standing. If we estimate prices based on her personal profile, Auto-Owners might offer the lowest car insurance rates in Georgia at $830 annually. This is $699 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife also make the list of the most affordable Georgia auto insurance companies.

google.charts.setOnLoadCallback(drawGAWitcqcibChart);function drawGAWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Auto-Owners’, 830, ‘#09836F’],[‘The Hartford’, 886, ‘#076D5C’],[‘USAA’, 978, ‘#055A4C’],[‘Central Mutual’, 1205, ‘#044B3F’],[‘MetLife’, 1264, ‘#033E34’]]);var options = {title: ‘Best Cheap Auto Insurance for a Dodge Ram’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1364,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Let’s now give the driver in the first chart a couple of claims, a little lower credit rating, and a traffic citation. Because every insurance company has their own guidelines for determining prices, comparing prices could result in a new list of the cheapest Georgia car insurance companies as shown below.

google.charts.setOnLoadCallback(drawGAWcqcibChart);function drawGAWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘The Hartford’, 1329, ‘#FF8500’],[‘Georgia Farm Bureau’, 1443.2, ‘#D46E00’],[‘USAA’, 1467, ‘#B05B00’],[‘Safeco’, 1552.1, ‘#924B00’],[‘Mercury’, 1552.1, ‘#793E00’]]);var options = {title: ‘Best Rates with Accidents and Violations’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1652.1,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

The Hartford now has the cheapest car insurance in Georgia with Georgia Farm Bureau, USAA, Safeco, and Mercury also being competitive. This example proves why it is so important to perform a complete rate comparison to find the most economical insurance quotes for a Dodge Ram.

Auto insurance prices consist of many things and change substantially, so the most economical company the last time you shopped your coverage around may now be wasting a lot of money.

How to get cheap insurance for a Dodge Ram in Georgia

Here are some of the better thrifty ideas that can help you quote cheap coverage.

• Claim-free drivers earn discounts
• Avoid getting tickets or violations
• Save money by only buying liability coverage for older vehicles
• Lower rates by purchasing a safer vehicle
• Bundle home and auto and save
• Having at-fault accidents will increase rates
• Ensure you have the best deal by shopping around regularly

The last tip in the list is especially vital, as was stressed in the article above. Prices charged by auto insurers in Georgia can change considerably based on profitability, so don’t be afraid to change to a new company if a lower price can be found. Brand loyalty is not necessarily bad, but it isn’t a good idea if that dedication is costing hundreds every year. Now is a great time to compare rates to find cheaper auto insurance for a Dodge Ram.