What Auto Insurance is Cheapest for a Dodge Ram in Lexington?

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Buying economical insurance for a Dodge Ram in Kentucky can be really easy, but it relies on a whole bunch of rating criteria such as whether you are married, if you have a tendency to file claims, and if you have tickets or violations. Kentucky drivers pay around $980 a year for Ram insurance, but that figure is a valuation calculated using a 50-year-old single male driver with both comprehensive and collision coverage and $1,000 deductibles.

There's a high likelihood you're not a 50-year-old male, you might be married instead of single, or maybe you don't qualify for the same discounts. This example demonstrates why the way we recommend to find cheap insurance rates for your Dodge is to do your own rate comparisons. Comparing quotes is easy and you will receive rate quotes from top-rated companies available.

View Dodge Ram Insurance Rates

Your vehicle's trim level tends to have a direct effect on the cost of coverage, so the price to insure a Ram Quad Cab ST 2WD model will be $182 less than the price to insure the fancier Ram Quad Cab Laramie 4WD trim level, as shown below.

Dodge Ram Insurance Rates in Lexington, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $134 $226 $416 $24 $124 $924 $77
Ram Quad Cab TRX4 Off Road 2WD $152 $276 $416 $24 $124 $992 $83
Ram Quad Cab SLT 2WD $152 $276 $416 $24 $124 $992 $83
Ram Crew Cab ST 2WD $152 $276 $416 $24 $124 $992 $83
Ram Quad Cab ST 4WD $152 $276 $416 $24 $124 $992 $83
Ram Crew Cab SLT 2WD $152 $276 $416 $24 $124 $992 $83
Ram Crew Cab TRX 2WD $152 $276 $416 $24 $124 $992 $83
Ram Quad Cab SLT 4WD $152 $276 $416 $24 $124 $992 $83
Ram Crew Cab ST 4WD $152 $276 $416 $24 $124 $992 $83
Ram Crew Cab Sport 2WD $168 $324 $416 $24 $124 $1,056 $88
Ram Quad Cab Sport 2WD $168 $324 $416 $24 $124 $1,056 $88
Ram Quad Cab TRX4 Off Road 4WD $168 $324 $416 $24 $124 $1,056 $88
Ram Crew Cab TRX 4WD $168 $324 $416 $24 $124 $1,056 $88
Ram Crew Cab SLT 4WD $168 $324 $416 $24 $124 $1,056 $88
Ram Quad Cab Laramie 2WD $168 $324 $416 $24 $124 $1,056 $88
Ram Crew Cab Laramie 2WD $168 $324 $416 $24 $124 $1,056 $88
Ram Crew Cab Sport 4WD $168 $324 $416 $24 $124 $1,056 $88
Ram Quad Cab Sport 4WD $168 $324 $416 $24 $124 $1,056 $88
Ram Crew Cab Laramie 4WD $168 $374 $416 $24 $124 $1,106 $92
Ram Quad Cab Laramie 4WD $168 $374 $416 $24 $124 $1,106 $92
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rates do not factor in vehicle garaging location which can raise or lower premiums substantially.

Choosing a high-quality insurer is hard considering how many different insurance companies sell coverage in Kentucky. The ranking data shown below can help you choose which providers to look at when insurance shopping for a Dodge Ram. The rankings below only include the largest companies in the United States, so smaller regional companies are not factored into these rankings.

Top 10 Major Auto Insurance Providers in Lexington 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%

Top 10 Major Auto Insurance Providers in Lexington Ranked by Claims Service

  1. Travelers
  2. Allstate
  3. Nationwide
  4. State Farm
  5. GEICO
  6. Liberty Mutual
  7. American Family
  8. Esurance
  9. AAA Insurance
  10. The Hartford

Accidents and violations increase rates

The common sense way to get affordable auto insurance premiums in Kentucky for a Ram pickup is to drive safe and not have accidents or get tickets. The diagram below shows how violations and at-fault fender-benders raise insurance rates for each different age category. The premiums are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

In the example above, the average cost of an auto insurance policy per year with no violations or accidents is $2,373. Get one speeding ticket and the average cost surges to $2,672, an increase of $299 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Dodge Ram jumps again to an average of $5,224. That's an increase of $2,851, or $238 per month, just for not driving safely!

What aren't you shopping around?

Lexington, KY auto insurance rates are determined by lots of factors which can substantially change the price of coverage. Improving your credit score, buying a new vehicle, or getting into an accident can produce rate changes that can make some companies more affordable than before. And not only may your rating factors change, but companies change the rates they charge in Kentucky multiple times each year in order to protect their financial rating. An extended period of higher than normal claims can cause a rate increase, while long-term profits may cause cheaper Ram insurance rates.

For instance, the chart below shows the cheapest car insurance in Lexington, KY for a 40-year-old male driver with a clean driving record, no accidents, and a good credit rating. If we estimate rates based on his current risk profile, Cincinnati Insurance has the most affordable car insurance rates in Lexington at $1,191 each year. This is $952 less than the average premium paid by Kentucky drivers of $2,143. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual are the rest of the cheapest Lexington, KY auto insurance companies.

In this next rate comparison, we will give the driver from the first example an accident claim, a lower credit rating, and a speeding ticket. Due to the fact that every auto insurer has a different formula for determining rates, comparing quotes most likely will result in a completely different list of affordable companies as shown below.

Kentucky Farm Bureau now has the lowest price in Lexington with USAA, Travelers, State Farm, and Westfield also being competitive. This example proves why Lexington drivers need to shop around with many companies to find the most budget-friendly auto insurance rates for a Dodge Ram. Rates consist of many risk factors and can increase or decrease at any time, so the cheapest rate when you bought your policy may now be an over-priced policy.

How to find cheaper car insurance for a Dodge Ram

Here are some money-saving ideas that can help Lexington drivers buy cheaper coverage.

The last item on the list is very valuable, as was pointed out in this write-up. Prices charged by companies can be adjusted at any time, so drivers shouldn't be reluctant to switch companies if you can find a cheaper rate.

Sticking with a specific company is fine, but it's not a great idea if your bullheadedness ends up costing you hundreds of dollars a year. It only takes a couple minutes to shop around and find cheaper car insurance for a Dodge Ram in Lexington.