Who Has Affordable Auto Insurance for a Dodge Ram in Atlanta?

Finding the cheapest coverage for a Dodge Ram in Georgia is pretty simple, but it hinges on lots of different rating factors such as how old the Ram is, your credit status, and any prior driving offenses you have. Drivers in Georgia will pay on average $1,537 a year for Ram insurance, but that is an approximation calculated based on a 40-year-old married male driver with full physical damage coverage and $100 deductibles.

There’s a good chance you are not 40 and maybe not even a male, maybe you are single instead of married, and maybe your Ram just needs liability-only coverage. Even a slight difference in policy rating criteria or coverages could result in a significant change in the cost of insurance for a Dodge Ram.

This demonstrates why the only real way to find the cheapest rates for your Dodge is to just compare rates yourself. In just a few minutes you will receive prices from the best companies available.

Find Cheaper Dodge Ram Insurance

Vehicle trim level can impact the coverage cost, so the price you will pay to insure a Ram Quad Cab ST 2WD model will be $380 cheaper than the price to insure the more costly Ram Quad Cab Laramie 4WD version, as shown by the rates below.

Dodge Ram Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $308 $462 $458 $28 $138 $1,394 $116
Ram Quad Cab TRX4 Off Road 2WD $348 $562 $458 $28 $138 $1,534 $128
Ram Quad Cab SLT 2WD $348 $562 $458 $28 $138 $1,534 $128
Ram Crew Cab ST 2WD $348 $562 $458 $28 $138 $1,534 $128
Ram Quad Cab ST 4WD $348 $562 $458 $28 $138 $1,534 $128
Ram Crew Cab SLT 2WD $348 $562 $458 $28 $138 $1,534 $128
Ram Crew Cab TRX 2WD $348 $562 $458 $28 $138 $1,534 $128
Ram Quad Cab SLT 4WD $348 $562 $458 $28 $138 $1,534 $128
Ram Crew Cab ST 4WD $348 $562 $458 $28 $138 $1,534 $128
Ram Crew Cab Sport 2WD $388 $662 $458 $28 $138 $1,674 $140
Ram Quad Cab Sport 2WD $388 $662 $458 $28 $138 $1,674 $140
Ram Quad Cab TRX4 Off Road 4WD $388 $662 $458 $28 $138 $1,674 $140
Ram Crew Cab TRX 4WD $388 $662 $458 $28 $138 $1,674 $140
Ram Crew Cab SLT 4WD $388 $662 $458 $28 $138 $1,674 $140
Ram Quad Cab Laramie 2WD $388 $662 $458 $28 $138 $1,674 $140
Ram Crew Cab Laramie 2WD $388 $662 $458 $28 $138 $1,674 $140
Ram Crew Cab Sport 4WD $388 $662 $458 $28 $138 $1,674 $140
Ram Quad Cab Sport 4WD $388 $662 $458 $28 $138 $1,674 $140
Ram Crew Cab Laramie 4WD $388 $762 $458 $28 $138 $1,774 $148
Ram Quad Cab Laramie 4WD $388 $762 $458 $28 $138 $1,774 $148
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Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate information does not factor in zip code location which can alter auto insurance rates substantially.

Deciding which companies have the most affordable insurance rates for a Dodge Ram calls for a tad more effort in order to find a policy that fits your budget. Every insurance provider uses a slightly different approach for establishing rates, so we will examine the most budget-friendly insurance companies in Georgia.

Keep in mind that Atlanta insurance rates are impacted by many factors that may substantially change the policy premium. Simply improving your credit, having a teenage driver, or getting a driving violation may prompt premium changes that can make some companies more affordable than others.

Best Auto Insurance Prices for Your Ram Truck

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Auto-Owners offers some of the best car insurance rates in Atlanta at around $839 annually. This is $690 less than the average premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are also some of the cheapest Atlanta, GA car insurance companies.

As the rates illustrate above, if you buy coverage from The Hartford and switched to Auto-Owners, you might achieve an annual savings of around $74. Drivers with USAA could save as much as $129 a year, and Central Mutual insureds might see rate reductions of $366 a year.

Be aware that those rates are averages across all ages of drivers and types of vehicles and and are not figured with an exact zip code location for a Dodge Ram. So the auto insurance company that has the cheapest rates for you may not even be in the top 20 companies shown above. That points out the importance of why you need to get rate quotes using your own individual information.

Difference between liability only and full coverage rates

Saving on insurance should be important to most drivers, and one way to reduce the cost of insurance for a Dodge Ram is to not buy full coverage. The illustration below compares auto insurance costs with full physical damage coverage compared to only buying liability only. The information is based on no claims or violations, $500 deductibles, drivers are single, and no policy discounts are applied.

As an average for all age groups, physical damage coverage on your policy costs an extra $2,373 per year over and above liability only. That is a large expense and it proposes the question if paying for full coverage is a waste of money. There is no definitive rule for excluding comp and collision coverage, but there is a general convention. If the annual cost of coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s assume your vehicle’s replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $5,000 after paying your policy deductible. If you are paying over $500 annually for your policy with full coverage, then it could be time to drop full coverage.

Comparing rates on Ram insurance can save you money

Atlanta, GA insurance rates are determined by lots of factors which can significantly increase or decrease the policy premium. Improving your credit rating, buying another vehicle, or getting caught speeding may prompt premium changes resulting in some companies being cheaper than others.

And not only may your rating factors change, but insurance companies change their prices as often as every three months in order to maintain liquidity for claims. Heavy losses may result in a rate increase, while profitable underwriting can produce more affordable Ram insurance rates.

The chart below shows a variety of companies that have the cheapest car insurance in Atlanta, GA for a 35-year-old male driver with no prior claims, no tickets, and great credit. If we compare prices based on his current risk profile, Auto-Owners offers the most affordable car insurance rates in Atlanta at $1,159 annually. This is $370 less than the average policy premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau are the remainder of the cheapest Atlanta, GA auto insurance companies.

The example below compares rates after we give the driver from the first rate comparison a chargeable claim, a lower credit rating, and a blemish on his driving record. Since each insurance company has a unique formula to set premium rates, analyzing rates may now present a new list of the cheapest Atlanta car insurance companies as shown below.

The Hartford now has the cheapest rate in Atlanta with Travelers, Safeco, Mercury, and State Farm completing the list. This example shows why it is critical to spend some time comparing rates when trying to find affordable insurance quotes for a Dodge Ram. Insurance rates are made up of many risk factors and can increase or decrease at any time, so the cheapest rate two years ago may now not even be in the top five.