Finding cheaper auto insurance for a Dodge Ram in Florida depends on a complicated rating formula that uses factors such as annual vehicle mileage, your credit status, and any prior driving offenses. Drivers pay around $1,237 each year for Ram insurance, but that figure is a valuation using a 50-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.

Odds are that you aren't exactly 50 years old or even a female, possibly married instead of single, or maybe you need higher liability limits than the state minimum. Every driver's needs are different, and that is why the only way to find affordable rates for your Dodge is to compare rates from as many companies as possible. Rate quotes are easy and you will receive rate quotes from the best companies that insure vehicles in Florida.

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The specific trim level impacts the annual cost of coverage, so the cost to insure a Ram Quad Cab ST 2WD model will be $222 cheaper than the price to insure the fancier Ram Quad Cab Laramie 4WD trim level, as shown below.

Dodge Ram Insurance Rates in Florida
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $172 $276 $532 $32 $160 $1,172 $98
Ram Quad Cab TRX4 Off Road 2WD $194 $334 $532 $32 $160 $1,252 $104
Ram Quad Cab SLT 2WD $194 $334 $532 $32 $160 $1,252 $104
Ram Crew Cab ST 2WD $194 $334 $532 $32 $160 $1,252 $104
Ram Quad Cab ST 4WD $194 $334 $532 $32 $160 $1,252 $104
Ram Crew Cab SLT 2WD $194 $334 $532 $32 $160 $1,252 $104
Ram Crew Cab TRX 2WD $194 $334 $532 $32 $160 $1,252 $104
Ram Quad Cab SLT 4WD $194 $334 $532 $32 $160 $1,252 $104
Ram Crew Cab ST 4WD $194 $334 $532 $32 $160 $1,252 $104
Ram Crew Cab Sport 2WD $216 $394 $532 $32 $160 $1,334 $111
Ram Quad Cab Sport 2WD $216 $394 $532 $32 $160 $1,334 $111
Ram Quad Cab TRX4 Off Road 4WD $216 $394 $532 $32 $160 $1,334 $111
Ram Crew Cab TRX 4WD $216 $394 $532 $32 $160 $1,334 $111
Ram Crew Cab SLT 4WD $216 $394 $532 $32 $160 $1,334 $111
Ram Quad Cab Laramie 2WD $216 $394 $532 $32 $160 $1,334 $111
Ram Crew Cab Laramie 2WD $216 $394 $532 $32 $160 $1,334 $111
Ram Crew Cab Sport 4WD $216 $394 $532 $32 $160 $1,334 $111
Ram Quad Cab Sport 4WD $216 $394 $532 $32 $160 $1,334 $111
Ram Crew Cab Laramie 4WD $216 $454 $532 $32 $160 $1,394 $116
Ram Quad Cab Laramie 4WD $216 $454 $532 $32 $160 $1,394 $116
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Information does not factor in garaging location in Florida which can impact coverage prices significantly.

Trying to buy affordable insurance is not most people's favorite thing to do, and finding out which company quotes the cheapest auto insurance rates for a Dodge Ram in Florida takes even more rate comparisons. Each auto insurer uses different criteria to determine premium rates, so first we will examine the auto insurance companies with the overall best prices in Florida.

It's important to know that Florida auto insurance rates are impacted by many factors that will increase or decrease the policy price. Simply having another birthday, having a teenage driver, or getting a couple of tickets can produce rate changes resulting in some companies being more expensive than before.

Cheap Insurance Rates for Your Ram Truck

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Who has the cheapest car insurance in Florida?
Rank Company Cost Per Year
1 USAA $957
2 Electric $1,712
3 Amica $1,712
4 Progressive $1,793
5 Mercury $1,914
6 Travelers $1,926
7 Allied $1,945
8 Esurance $2,020
9 State Farm $2,068
10 Auto-Owners $2,085
11 GEICO $2,172
12 Allstate $2,340
13 21st Century $2,373
14 Windhaven Insurance $2,575
15 Safeco $2,898
16 Hanover $2,964
17 MetLife $2,988
18 Liberty Mutual $3,131
19 United Automobile $3,527
20 Direct General $3,902
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USAA generally has some of the best car insurance rates in Florida at around $957 annually. Electric, Amica, Progressive, and Mercury also rank well as some of the cheapest Florida car insurance companies.

In the above example, if you currently have coverage with Progressive and switched to USAA, you may realize a yearly price reduction of about $836. Drivers with Mercury may save as much as $957 a year, and Travelers customers might realize rate reductions of up to $969 a year.

If you want to see how much you could save, click here to begin a quote or click through to the companies below.

Remember that these estimates are averages for all drivers and vehicles and do not factor in a specific rating modification for a Dodge Ram. So the auto insurance company that is best suited for you may not even be in the list above. That emphasizes why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

Illustration showing the impact of accidents and violations

The obvious way to get the best auto insurance premiums for a Ram pickup is to be a cautious driver and avoid accidents and traffic violations. The example below demonstrates how citations and at-fault accidents can increase auto insurance costs for different insured age categories. The premium estimates are based on a single female driver, comp and collision included, $500 deductibles, and no discounts are factored in.

The data charted above shows the average cost of car insurance in Florida per year with no accidents or violations is $2,703. Get written up for one speeding ticket and the average cost jumps to $3,066, an increase of $362 each year. Then add in two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Dodge Ram in Florida goes up to an average of $6,234. That's an increase of $3,531, or $294 per month, just for not being a responsible driver!

Are you paying too much for car insurance?

Florida auto insurance rates are determined by lots of factors that may substantially change your annual premium. Simply turning a year older, getting divorced, or getting a couple of tickets can trigger changes in premium resulting in some companies being much cheaper than others.

Also, insurers change the rates they charge in Florida as often as every three months as an adjustment for underwriting gains or losses. An extended period of higher than normal claims can cause increased policy costs, while profitable underwriting may cause cheaper Ram insurance rates.

To illustrate this example, the graph below shows the cheapest car insurance in Florida for a 35-year-old male driver with no prior accidents, a clean driving record, and excellent credit. If we look at prices based on his personal risk profile, USAA has the most affordable car insurance rates in Florida at $957 each year. This is $1,491 less than the average premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are also on the list of the top five cheapest Florida auto insurance companies.

The chart below compares rates after we give the driver from above a couple of claims, a lower credit rating, and an imperfect driving record. Because every insurance company uses their own method for establishing rates, comparing rates could now result in a different ranking of the cheapest car insurance companies in Florida as shown below.

USAA now has the best price on car insurance in Florida with Mercury, Esurance, State Farm, and Auto-Owners also having competitive pricing. This example shows why Florida drivers need to compare as many rates as possible to get affordable auto insurance quotes for a Dodge Ram. Insurance rates are made up of many things and can decrease or increase without notice, so the best company the last time you shopped your coverage around may now be quite expensive.

How to find cheaper auto insurance for a Dodge Ram in Florida

Below you'll find some of the better money-saving ideas that can help you get low-cost coverage.

That last tip is highly valuable, as was pointed out in the prior article. Prices charged by car insurance companies can change considerably based on profitability, so don't be hesitant to buy from a different company if a cheaper rate is available. Staying with the same company for years is fine, but we do not recommend it if that loyalty results in overpaying a considerable chunk of change every month. It takes less than five minutes to shop around and find cheaper insurance for a Dodge Ram.