Who Has Affordable Car Insurance Rates for a Dodge Ram in Irvine?

Buying cheap coverage for a Dodge Ram in California is dependent upon lots of different factors such as how many years you have been driving, your credit status, and driving violations. Drivers in California pay around $1,409 each year for Ram insurance, but that figure is an approximation based on a 50-year-old married female driver with full comprehensive and collision coverage and $250 deductibles.

It’s more than likely you aren’t exactly 50 years old or even a female, possibly single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Having what appears to be a very minor change in the criteria used to calculate rates could end up in a significant change in how much insurance for a Dodge Ram costs.

Auto insurance requires individual risk assessment, so the best method for finding the cheapest coverage for your Dodge is to compare as many rates as you can.

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Your vehicle’s trim level will likely have an effect on price, so the price you will be charged to insure a Ram Quad Cab ST 2WD will be $324 cheaper than the price to insure the high end Ram Quad Cab Laramie 4WD trim level, as shown by the rates below.

Dodge Ram Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $262 $392 $470 $28 $140 $1,292 $108
Ram Quad Cab TRX4 Off Road 2WD $296 $478 $470 $28 $140 $1,412 $118
Ram Quad Cab SLT 2WD $296 $478 $470 $28 $140 $1,412 $118
Ram Crew Cab ST 2WD $296 $478 $470 $28 $140 $1,412 $118
Ram Quad Cab ST 4WD $296 $478 $470 $28 $140 $1,412 $118
Ram Crew Cab SLT 2WD $296 $478 $470 $28 $140 $1,412 $118
Ram Crew Cab TRX 2WD $296 $478 $470 $28 $140 $1,412 $118
Ram Quad Cab SLT 4WD $296 $478 $470 $28 $140 $1,412 $118
Ram Crew Cab ST 4WD $296 $478 $470 $28 $140 $1,412 $118
Ram Crew Cab Sport 2WD $330 $562 $470 $28 $140 $1,530 $128
Ram Quad Cab Sport 2WD $330 $562 $470 $28 $140 $1,530 $128
Ram Quad Cab TRX4 Off Road 4WD $330 $562 $470 $28 $140 $1,530 $128
Ram Crew Cab TRX 4WD $330 $562 $470 $28 $140 $1,530 $128
Ram Crew Cab SLT 4WD $330 $562 $470 $28 $140 $1,530 $128
Ram Quad Cab Laramie 2WD $330 $562 $470 $28 $140 $1,530 $128
Ram Crew Cab Laramie 2WD $330 $562 $470 $28 $140 $1,530 $128
Ram Crew Cab Sport 4WD $330 $562 $470 $28 $140 $1,530 $128
Ram Quad Cab Sport 4WD $330 $562 $470 $28 $140 $1,530 $128
Ram Crew Cab Laramie 4WD $330 $648 $470 $28 $140 $1,616 $135
Ram Quad Cab Laramie 4WD $330 $648 $470 $28 $140 $1,616 $135
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price information does not factor in your specific Irvine location which can lower or raise rates substantially.

Best insurance company in California

Insuring your vehicle with the best car insurance company is difficult considering how many companies there are to choose from in California. The company rank data shown below may help you choose which coverage providers you want to consider when shopping insurance around for a Dodge Ram.

These ratings are only made up of the largest companies in the United States, so companies that focus mainly on California business will not be included in these rankings. To check prices and find the cheapest rates for a Dodge Ram, click here.

Top Insurance Companies for a Dodge Ram in Irvine, CA
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Discounts on Irvine insurance rates

Save on insurance for a Ram pickup in IrvineInsurance providers that provide coverage for a Dodge Ram may have policy discounts that may potentially lower prices by as much as 40% or more if you qualify. A list of companies and a summarized list of policyholder discounts are included below.

The chart below visualizes the comparison of insurance costs with and without discounts applied to the rates. The data is based on a female driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, anti-theft, accident-free, defensive driving course, passive restraint, and homeowner discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on insurance for a Dodge Ram is 28% or $707.

Your low-price policy may be costing you money

California insurance rates are impacted by many factors which can substantially change the price you have to pay. Simply getting older, getting divorced, or getting a reckless driving citation can produce rate changes resulting in some rates now being affordable when they were higher priced.

In addition to those changes, insurance companies change their prices multiple times each year in order to protect their financial rating. Heavier than normal losses can result in higher rates, while lower claim levels can produce more affordable Ram insurance rates.

For instance, the chart below demonstrates which company has the cheapest car insurance in Irvine, CA for a 45-year-old male driver with no violations or accidents, and a high credit rating. When quoting prices based on his current situation, USAA might quote the cheapest car insurance rates in Irvine at $1,148 a year. This is $503 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the rest of the most affordable Irvine, CA auto insurance companies.

Now we will pretend the driver from the above example a chargeable claim, a lower credit rating, and a speeding ticket. Due to the fact that every auto insurer has a unique formula for filing rates in each state, getting updated rate quotes may now result in a completely different list of the cheapest Irvine car insurance companies as shown below.

Grange now has the best price on car insurance in Irvine, CA with Mercury, Progressive, Allstate, and GEICO now being in the top five. This example shows why drivers need to compare many different companies when trying to find the most economical car insurance rates for a Dodge Ram.

Car insurance prices can be altered by many different factors and can increase or decrease at any time, so the best company a year ago may now be priced much higher than other options.

How to find cheaper car insurance for a Dodge Ram

The list below shows a few money-saving solutions that can help California drivers buy lower-cost coverage.

The last tip in the list is incredibly crucial, as was stressed in the prior article. Insurance rates go up and down frequently, so don’t be hesitant to switch companies if you can find a cheaper rate. Staying with the same company for years is fine, but is isn’t recommended if that inflexibility results in costing you thousands of dollars over several years. In just a few minutes you could shop around and find cheaper car insurance for a Dodge Ram in Irvine.