Buying the best cheap auto insurance for a Dodge Ram in Michigan relies on a fairly complex equation with a lot of factors such as annual miles driven, where your vehicle is garaged, and your motor vehicle report. Michigan drivers pay around $2,638 each year for Ram insurance, but that cost is an approximation calculated using a 50-year-old single male driver with full coverage and $250 deductibles.
There’s a high likelihood you aren’t exactly 50 years old or even a male, possibly married instead of single, and you might want liability-only or different deductibles. This example demonstrates why the way we recommend to find cheap insurance rates for your Dodge is to compare as many rates as possible. To start saving now, get free quotes and you will be able to see rates from the best auto insurance companies in Michigan.
The trim level of your Dodge tends to have a direct impact on the insurance rate, so the price you will pay to insure a Ram Quad Cab ST 2WD trim level will cost $612 less than the price to insure the higher-end Ram Quad Cab Laramie 4WD model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$458||$762||$882||$52||$264||$2,418||$202|
|Ram Quad Cab TRX4 Off Road 2WD||$518||$926||$882||$52||$264||$2,642||$220|
|Ram Quad Cab SLT 2WD||$518||$926||$882||$52||$264||$2,642||$220|
|Ram Crew Cab ST 2WD||$518||$926||$882||$52||$264||$2,642||$220|
|Ram Quad Cab ST 4WD||$518||$926||$882||$52||$264||$2,642||$220|
|Ram Crew Cab SLT 2WD||$518||$926||$882||$52||$264||$2,642||$220|
|Ram Crew Cab TRX 2WD||$518||$926||$882||$52||$264||$2,642||$220|
|Ram Quad Cab SLT 4WD||$518||$926||$882||$52||$264||$2,642||$220|
|Ram Crew Cab ST 4WD||$518||$926||$882||$52||$264||$2,642||$220|
|Ram Crew Cab Sport 2WD||$576||$1092||$882||$52||$264||$2,866||$239|
|Ram Quad Cab Sport 2WD||$576||$1092||$882||$52||$264||$2,866||$239|
|Ram Quad Cab TRX4 Off Road 4WD||$576||$1092||$882||$52||$264||$2,866||$239|
|Ram Crew Cab TRX 4WD||$576||$1092||$882||$52||$264||$2,866||$239|
|Ram Crew Cab SLT 4WD||$576||$1092||$882||$52||$264||$2,866||$239|
|Ram Quad Cab Laramie 2WD||$576||$1092||$882||$52||$264||$2,866||$239|
|Ram Crew Cab Laramie 2WD||$576||$1092||$882||$52||$264||$2,866||$239|
|Ram Crew Cab Sport 4WD||$576||$1092||$882||$52||$264||$2,866||$239|
|Ram Quad Cab Sport 4WD||$576||$1092||$882||$52||$264||$2,866||$239|
|Ram Crew Cab Laramie 4WD||$576||$1256||$882||$52||$264||$3,030||$253|
|Ram Quad Cab Laramie 4WD||$576||$1256||$882||$52||$264||$3,030||$253|
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise auto insurance rates significantly.
Picking a highly-rated auto insurance provider can be difficult considering how many companies provide coverage in Michigan. The company information in the lists below can help you choose which auto insurers you want to consider shopping your coverage with. These rankings include large, nationwide insurance companies, so smaller companies are not taken into consideration for these rankings.
Top 10 Major Auto Insurance Providers in Detroit Ranked by Value
- The Hartford
- Farmers Insurance
- AAA Insurance
- 21st Century
- Safeco Insurance
- State Farm
- American Family
- Liberty Mutual
Top 10 Major Auto Insurance Providers in Detroit Ranked by Customer Satisfaction
- The Hartford – 93%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- State Farm – 87%
- Safeco Insurance – 86%
- AAA Insurance – 86%
- Farmers Insurance – 85%
- GEICO – 85%
- American Family – 85%
The chart below illustrates how your deductible choice can impact premium costs when quoting 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.
A 50-year-old driver could lower their car insurance rates by $594 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $902 by choosing a $1,000 deductible. Young drivers, like the 20-year-old, could drop their prices up to $1,980 annually by selecting a higher deductible. When choosing a higher deductible, it will be necessary to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.
Get discounts on Detroit car insurance
Car insurance companies that provide policies for a Dodge Ram may have rate discounts that could reduce prices by as much as 30% if you meet the requirements. Larger insurance companies and some of the premium reductions they offer are shown below.
- GEICO offers discounts for military active duty, daytime running lights, anti-lock brakes, seat belt use, and federal employee.
- SAFECO may offer discounts for bundle discounts, anti-theft, drive less, homeowner, and teen safety rewards.
- State Farm policyholders can earn discounts including Drive Safe & Save, anti-theft, defensive driving training, student away at school, passive restraint, good driver, and Steer Clear safe driver discount.
- MetLife has savings for good driver, accident-free, multi-policy, defensive driver, claim-free, and good student.
- 21st Century offers discounts including teen driver, 55 and older, homeowners, automatic seat belts, and theft prevention.
- Progressive discounts include online signing, online quote discount, continuous coverage, good student, homeowner, and multi-policy.
The diagram below illustrates the comparison of annual premium costs with and without discounts applied to the rates. Data assumes a male driver, no accidents or driving violations, Michigan state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with marriage, safe-driver, claim-free, accident-free, passive restraint, and vehicle safety discounts applied. In this example, the average amount saved each year on insurance for a Dodge Ram is 28% or $1,109.
Chances are good that you’re overpaying for Ram insurance
Michigan insurance rates are influenced by many factors that will increase or decrease the policy premium. Simply having a birthday, moving across town, or getting a DUI can trigger price changes that may make certain companies much cheaper than others. Also, companies amend premium rates as needed in order to offset underwriting gains or losses. Heavier than normal losses can result in more expensive prices, while better underwriting may produce cheaper Ram insurance rates.
For example, the chart below compares the cheapest car insurance in Detroit, MI for a 40-year-old male driver with no accidents or violations, and good financial standing. If we estimate prices based on his current risk factors, USAA might quote the best car insurance rates in Detroit at $2,167 per year. This is $226 less than the average premium paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and MEEMIC round out the rest of the best Detroit, MI auto insurance companies.
In this next rate comparison, we will give the driver from the first set of rates some claims, bad credit, and a traffic citation. Since every insurance provider has a unique approach to determine rates, comparing rates could result in a slightly different list of companies as shown below.
GEICO now has the best price on car insurance in Detroit, MI with Pioneer State Mutual, USAA, Safeco, and Hastings Mutual now rounding out the top five. This demonstrates why it is critical to shop around with many companies to get the most affordable insurance quotes for a Dodge Ram.
Insurance prices consist of many risk factors and change frequently, so the best option three years ago may now be one of the higher cost companies.
How to find low-cost car insurance for a Dodge Ram
The list below shows some of the recommended penny-pinching solutions that can help Detroit drivers buy lower-cost car insurance.
- Prevent price hikes by avoiding at-fault accidents
- Don’t have frequent claims
- Multi-policy discounts save money
- Remove physical damage coverage on older vehicles
- Safer vehicles cost less to insure
- You will pay more if you get tickets or have at-fault accidents
- Compare quotes from other companies often
That last tip is extremely crucial, as we noted in the prior article. Insurance rates can be adjusted at any time, so drivers shouldn’t be reluctant to change insurance companies if a cheaper rate is available.
Many drivers tend to have loyalty to a certain company, but is isn’t recommended if that faithfulness ends up costing you lots of money. If you have a few minutes, now is a great time to compare prices to find cheaper auto insurance for a Dodge Ram in Detroit.
If you aren’t clear which coverage you need and would like to get some professional advice when shopping around for cheaper insurance for a Ram pickup, the agencies below are willing to answer your questions and help you decide which coverage meets your needs best.
To locate a Detroit insurance agent by location nearest to you, click the button at the bottom.
- Insurance Services of Michigan
615 Griswold St Griswold – Detroit, MI 48226 – (313) 963-7170
- Allstate Insurance: Shauna Johnson
18711 Grand River Ave – Detroit, MI 48223 – (313) 272-2020
- Michigan SR22 Insurance – Select Insurance Group
Atwater St – Detroit, MI 48226 – (877) 949-7873
- Premier Insurance
16119 W Warren Ave – Detroit, MI 48228 – (313) 582-1500
- Clark Insurance Agency
2711 E Jefferson Ave #206 – Detroit, MI 48207 – (313) 259-6600