Who Has the Cheapest Auto Insurance Rates for a Dodge Ram in Charlotte?

Buying economical auto insurance for a Dodge Ram is dependent upon a complicated formula that considers factors such as your birth date, whether or not you have filed claims in the past, and driving violations. Drivers in North Carolina pay around $749 a year for Ram insurance, but that cost is an estimation using a 50-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.

The problem with using this number is the good chance you aren’t exactly 50 years old or even a male, you might be married instead of single, or maybe you’re a renter instead of a homeowner. Having just a slight change in the factors used in pricing a policy could end up with a large change in the price of a policy.

Every driver’s needs are different, and that is why the only way to find cheap insurance rates for your Dodge is to compare as many rates as possible.

View Dodge Ram Insurance Rates

The specific model of Ram will most likely have an effect on the cost of coverage, so the price you will be charged to insure a Ram Quad Cab ST 2WD model will be $138 less expensive the price to insure the more costly Ram Quad Cab Laramie 4WD trim level, as shown by the rates below.


Dodge Ram Insurance Rates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $102 $172 $318 $18 $96 $706 $59
Ram Quad Cab TRX4 Off Road 2WD $116 $210 $318 $18 $96 $758 $63
Ram Quad Cab SLT 2WD $116 $210 $318 $18 $96 $758 $63
Ram Crew Cab ST 2WD $116 $210 $318 $18 $96 $758 $63
Ram Quad Cab ST 4WD $116 $210 $318 $18 $96 $758 $63
Ram Crew Cab SLT 2WD $116 $210 $318 $18 $96 $758 $63
Ram Crew Cab TRX 2WD $116 $210 $318 $18 $96 $758 $63
Ram Quad Cab SLT 4WD $116 $210 $318 $18 $96 $758 $63
Ram Crew Cab ST 4WD $116 $210 $318 $18 $96 $758 $63
Ram Crew Cab Sport 2WD $128 $248 $318 $18 $96 $808 $67
Ram Quad Cab Sport 2WD $128 $248 $318 $18 $96 $808 $67
Ram Quad Cab TRX4 Off Road 4WD $128 $248 $318 $18 $96 $808 $67
Ram Crew Cab TRX 4WD $128 $248 $318 $18 $96 $808 $67
Ram Crew Cab SLT 4WD $128 $248 $318 $18 $96 $808 $67
Ram Quad Cab Laramie 2WD $128 $248 $318 $18 $96 $808 $67
Ram Crew Cab Laramie 2WD $128 $248 $318 $18 $96 $808 $67
Ram Crew Cab Sport 4WD $128 $248 $318 $18 $96 $808 $67
Ram Quad Cab Sport 4WD $128 $248 $318 $18 $96 $808 $67
Ram Crew Cab Laramie 4WD $128 $284 $318 $18 $96 $844 $70
Ram Quad Cab Laramie 4WD $128 $284 $318 $18 $96 $844 $70
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Table data does not factor in specific Charlotte garaging location which can modify price quotes substantially.

North Carolina car insurance companies ranked

Buying coverage from a high-quality car insurance provider can be challenging considering how many companies are available to choose from in North Carolina. The company ratings below could help you select which insurers to look at when insurance shopping for a Dodge Ram. These rankings only include companies that insure vehicles nationwide, so smaller companies are not taken into consideration for this list.

Top 10 Large Auto Insurance Companies in Charlotte 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 10 Large Auto Insurance Companies in Charlotte Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Nationwide – 89%
  5. Travelers – 88%
  6. Progressive – 88%
  7. Safeco Insurance – 88%
  8. State Farm – 88%
  9. Allstate – 88%
  10. The Hartford – 87%

Discount Charlotte car insurance rates

Car insurance for a Ram pickup in Charlotte, NCCar insurance companies that provide coverage for a Dodge Ram may provide policy discounts that can lower rates by as much as 30% if you can meet the requirements. A list of companies and some of their more popular discounts are detailed below.

The diagram below compares car insurance rates with and without discounts applied to the rates. The prices are based on a male driver, no driving violations, no at-fault accidents, North Carolina state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with multiple vehicle, accident-free, anti-theft, multiple policy, passive restraint, and marriage discounts applied. When these discounts are applied, theamount saved on car insurance for a Dodge Ram is 28% or $401.

Full coverage rates compared to liability only

Paying less for car insurance should be important to most people, and a great way to reduce the cost of insurance for a Dodge Ram is to only pay for liability coverage. The chart below visualizes the comparison of yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no claims or driving violations, $1,000 deductibles, single marital status, and no discounts are factored in.

Averaged for all ages 20 through 70, comp and collision coverage costs an extra $1,266 per year more than just buying liability only. At some point, every insured wonders if buying full coverage is a good investment. There is no definitive guideline to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your vehicle’s settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $3,000 after paying your deductible. If you are paying more than $300 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

Why you should shop around for Ram insurance

North Carolina car insurance rates are influenced by many factors that can increase the cost of coverage. Simply improving your credit, getting married, or getting a DUI can trigger price changes that may make certain companies cheaper than others.

Not only may things change on your end, but car insurance companies file new rates at least once a year in order to offset underwriting gains or losses. Significantly higher losses may result in rate increases, while lower claims can cause cheaper Ram insurance rates.

To illustrate this point, the data below shows the cheapest car insurance in Charlotte, NC for a 35-year-old male driver with no accidents or violations, and a decent credit rating. If we look at prices based on his current risk factors, Utica National might offer the lowest car insurance rates in Charlotte at $808 annually. This is $64 less than the average premium paid by North Carolina drivers of $872. Progressive, Liberty Mutual, NC Farm Bureau, and Penn National also make the list of the cheapest Charlotte, NC auto insurance companies.

In this example, we will give the driver from the first example an accident surcharge, less-than-perfect credit, and a traffic citation. Due to the fact that each insurance company has a different process to set policy rates, analyzing rates may now result in a different list of affordable companies as shown below.

GEICO now has the best auto insurance rate in Charlotte, NC with State Farm, Auto-Owners, National General, and Allied also being competitive. This shows why it is crucial to take the time to shop around to get the most budget-friendly auto insurance rates for a Dodge Ram.

Prices are calculated by many factors and can change without notice, so the cheapest option when you bought your policy may now be one of the higher cost companies.

How to find cheaper car insurance for a Dodge Ram

It’s not impossible to find cheaper rates, and here are some money-saving solutions that can help drivers find cheap car insurance.

The final tip is notably crucial, as we noted in the prior article. Insurance rates in Charlotte vary greatly, so don’t be afraid to buy from a new company if you find a cheaper price.

Having brand loyalty is commendable, but it’s not a good idea if your bullheadedness ends up costing you thousands of dollars over several years. If you have a few minutes, now is a great time to shop around to find cheaper car insurance for a Dodge Ram.

The Charlotte car insurance agencies listed below can aid you in deciding which coverages and limits you need, as some drivers wish to get some professional input when comparing insurance rates for a Dodge Ram. It can be difficult to do it yourself, and a professional agent can provide you satisfaction knowing your coverage gives you suitable coverage if you ever need to use it. To find a Charlotte insurance agent by location nearest to you, click the button at the bottom of the list or click here to compare prices now.

Allstate Insurance: John Rose
6853 Fairview Rd cCharlotte, NC 28210(704) 366-7779

Pegram Insurance
4420 C The PlazaCharlotte, NC 28215(704) 563-4343

Brian McCaw – State Farm Insurance Agent
5950 Fairview Rd #220Charlotte, NC 28210(704) 554-0144

Honeycutt Insurance Agency
3121 Springbank Ln FCharlotte, NC 28226(704) 752-8233

Jeff Genant – State Farm Insurance Agent
15105 John J Delaney DrCharlotte, NC 28277(704) 594-3000

More insurance agents in Charlotte, NC