How Much is Oklahoma City Auto Insurance for a Dodge Ram?

Finding cheap car insurance for a Dodge Ram in Oklahoma is dependent upon a lot of rating criteria such as whether you are male or female, whether or not you have prior claims, and if you have a history of accidents. Oklahoma drivers pay approximately $1,665 per year to insure their Ram, but that figure is a projection based on a 30-year-old married male driver with full comprehensive and collision coverage and $250 deductibles.

The issue that arises when projecting rates is that it’s very likely that you’re not a 30-year-old male, single instead of married, or maybe you want different physical damage deductibles. Each driver’s needs are different, and that demonstrates why the best way to find cheap car insurance rates for your Dodge is to compare as many rates as possible. In just a couple of minutes you will receive prices from top-rated companies that offer coverage in Oklahoma.

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The trim level of your Ram will have an impact the cost of insurance, so the price to insure a Ram Quad Cab ST 2WD will be $402 less than the insurance cost for the more well-appointed Ram Quad Cab Laramie 4WD version, as demonstrated by the prices below.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in specific garaging location which can revise coverage prices substantially.

Shopping around for budget car insurance is not always easy, and figuring out which company has the cheapest insurance rates for a Dodge Ram may require a little more work. Each company has a unique approach for determining rates in each state, so first let’s look at the rankings for the insurance companies with the most affordable rates in Oklahoma City.

Best Auto Insurance Prices for Your Ram Truck

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USAA quotes some of the best car insurance rates in Oklahoma City at around $1,196 each year. Oklahoma Farmers Union, The Hartford, Safe Auto, and GEICO also qualify as some of the more affordable Oklahoma City, OK car insurance companies.

As shown in the table above, if you are a policyholder with The Hartford and switched to USAA, you might achieve savings of about $123. Customers with Safe Auto might save as much as $181 a year, and GEICO policyholders might realize rate reductions of up to $198 a year.

It’s important to note that these premium estimates are averages for all ages of drivers and types of vehicles and do not take into consideration an exact zip code location for a Dodge Ram. So the car insurance company that can offer you the best price may not even be in the top 17 companies in the list above. That’s why you need to compare prices as often as possible using your own driver information and specific vehicle type.

Discounts on Oklahoma City auto insurance rates

Insurers that offer quotes for a Dodge Ram may also offer special discounts that could reduce prices by 40% or more if you are eligible. Popular insurance companies and some of the discounts can be found below.

• Farmers Insurance policyholders can earn discounts including early shopping, distant student, switch companies, pay in full, mature driver, good student, and business and professional.
• State Farm may offer discounts for good student, Steer Clear safe driver discount, anti-theft, safe vehicle, and multiple autos.
• Liberty Mutual discounts include teen driver discount, safety features, new vehicle discount, newly retired, exclusive group savings, new graduate, and multi-policy.
• MetLife includes discounts for claim-free, good driver, multi-policy, good student, and accident-free.
• Progressive offers premium reductions for multi-vehicle, homeowner, good student, continuous coverage, and online signing.

The information below compares auto insurance costs with and without discounts applied. The data is based on a male driver, no claims or driving citations, Oklahoma state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with passive restraint, anti-theft, multiple policy, accident-free, vehicle safety, and safe-driver discounts applied. When taking advantage of discounts, the average amount saved each year on insurance for a Dodge Ram is 28% or $720.

Insurance rate increases from tickets or accidents

The easiest method to earn the most affordable insurance prices in Oklahoma City for a Ram pickup is to drive cautiously and not receive tickets or have accidents. The illustration below illustrates how speeding tickets and fender-benders increase car insurance costs for different age groups. The rate quotes are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied.

In the previous example, the average cost of an auto insurance policy in Oklahoma City per year with no violations or accidents is $3,370. Add in two speeding tickets and the average cost swells to $4,545, an increase of $1,176 each year. Then add two accidents along with the two speeding tickets and the annual cost of insurance for a Dodge Ram goes up to an average of $8,619. That’s an increase of $5,250, or $437 per month, just for not driving carefully!

The information below shows how different deductible levels can raise or lower annual premium costs when quoting cheap insurance for a Dodge Ram. The information is based on a married male driver, full coverage, and no discounts are applied.

A 40-year-old driver could lower rates by $386 a year by changing from a $100 deductible to a $500 deductible, or save $586 by switching to a $1,000 deductible. Young drivers, like the 20-year-old, could drop their prices as much as $1,286 annually by selecting a higher deductible. If you do raise deductibles, it is important to have additional funds in a savings account to allow you to cover the extra out-of-pocket expense associated with higher deductibles.