Who Has Affordable Kansas City Car Insurance Quotes for a Dodge Ram?

Finding the cheapest auto insurance for a Dodge Ram in Missouri relies on lots of different rating factors such as how safe your vehicle is, where you live, and if you have a history of accidents. Missouri drivers pay around $878 annually to insure their Ram, but that price is a projection using a 40-year-old single male driver with full coverage and $1,000 deductibles.

But there is a high probability that you are not 40 years old and maybe not even male, you might be married instead of single, or maybe you prefer higher deductibles. Auto insurance is unique to each driver, so the only real way to find cheap car insurance rates for your Dodge is to do a thorough rate comparison. In just a couple of minutes you can get rates from some of the best insurers around.

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The specific trim level will most likely have an effect on the cost of coverage, so the cost to insure a Ram Quad Cab ST 2WD will be $166 less than the price to insure the more well-appointed Ram Quad Cab Laramie 4WD version, as shown in the table below.

Dodge Ram Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $124 $206 $364 $22 $110 $826 $69
Ram Quad Cab TRX4 Off Road 2WD $140 $250 $364 $22 $110 $886 $74
Ram Quad Cab SLT 2WD $140 $250 $364 $22 $110 $886 $74
Ram Crew Cab ST 2WD $140 $250 $364 $22 $110 $886 $74
Ram Quad Cab ST 4WD $140 $250 $364 $22 $110 $886 $74
Ram Crew Cab SLT 2WD $140 $250 $364 $22 $110 $886 $74
Ram Crew Cab TRX 2WD $140 $250 $364 $22 $110 $886 $74
Ram Quad Cab SLT 4WD $140 $250 $364 $22 $110 $886 $74
Ram Crew Cab ST 4WD $140 $250 $364 $22 $110 $886 $74
Ram Crew Cab Sport 2WD $156 $296 $364 $22 $110 $948 $79
Ram Quad Cab Sport 2WD $156 $296 $364 $22 $110 $948 $79
Ram Quad Cab TRX4 Off Road 4WD $156 $296 $364 $22 $110 $948 $79
Ram Crew Cab TRX 4WD $156 $296 $364 $22 $110 $948 $79
Ram Crew Cab SLT 4WD $156 $296 $364 $22 $110 $948 $79
Ram Quad Cab Laramie 2WD $156 $296 $364 $22 $110 $948 $79
Ram Crew Cab Laramie 2WD $156 $296 $364 $22 $110 $948 $79
Ram Crew Cab Sport 4WD $156 $296 $364 $22 $110 $948 $79
Ram Quad Cab Sport 4WD $156 $296 $364 $22 $110 $948 $79
Ram Crew Cab Laramie 4WD $156 $340 $364 $22 $110 $992 $83
Ram Quad Cab Laramie 4WD $156 $340 $364 $22 $110 $992 $83
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Premium costs do not factor in garaging location in Kansas City which can impact price quotes substantially.

Comparing quotes for cost effective auto insurance is challenging, and figuring out which companies offer the best insurance rates for a Dodge Ram calls for even more rate comparisons.

Each insurer has a unique approach for setting rates, so let’s take a look at the insurance companies with the most affordable rates in Kansas City, MO.

Cheapest Insurance Rates for Your Ram Truck

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Cheapest Missouri auto insurance companies
Rank Company Cost Per Year
1 USAA $668
2 The Hartford $809
3 Allied $841
4 Electric $849
5 Auto-Owners $997
6 Travelers $998
7 MO Farm Bureau $1,021
8 Nationwide $1,109
9 Farmers $1,117
10 Cameron Mutual $1,190
11 State Farm $1,234
12 American Family $1,253
13 Progressive $1,368
14 Safe Auto $1,377
15 Shelter $1,404
16 MetLife $1,415
17 Safeco $1,426
18 GEICO $1,448
19 California Casualty $1,469
20 Auto Club $1,488
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USAA offers some of the best car insurance rates in Kansas City at around $668 per year. The Hartford, Allied, Electric, and Auto-Owners also rank well as some of the lowest-priced Kansas City, MO insurance companies.

In this example, if you are a customer of Auto-Owners and switched to The Hartford, you might realize a yearly savings of about $188. Customers with Travelers may save as much as $189 a year, and MO Farm Bureau policyholders might cut rates by $212 a year.

It’s important to note that these policy prices are averages for all types of drivers and the different vehicles they drive and do not factor in a vehicle location for a Dodge Ram. So the auto insurance company that is most affordable for your situation may not even be in the top 23 companies in the list above. That’s why you need to get auto insurance quotes using your own driver and vehicle profiles.

Liability rates compared to full coverage

Paying less for insurance should be important to the majority of drivers, and one common way to pay less for insurance for a Dodge Ram is to not buy full coverage. The illustration below illustrates the comparison of premium costs with full physical damage coverage compared to only buying liability only. The premiums assume a clean driving record, no claims, $100 deductibles, single marital status, and no other discounts are factored in.

If we average the cost for all age groups, physical damage insurance costs an extra $2,123 per year over liability only. At some point, almost every driver questions if full coverage is worth the money. There is no definitive rule for phasing out physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let’s pretend your vehicle’s replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after you pay the deductible. If it’s costing you more than $400 annually for physical damage coverage, then it may be the right time to buy liability only.

There are some scenarios where eliminating full coverage is not a good plan. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.

Discounts on Kansas City auto insurance rates

Cheaper Kansas City, MO insurance for a Ram pickupAuto insurance companies that offer coverage for a Dodge Ram may also provide price discounts that may potentially lower prices by as much as 40% or more if you qualify for them. A list of insurance companies and the discounts they provide can be read below.

The chart below shows the difference between premium costs with and without discounts applied to the premium. The costs are based on a male driver, no claims or driving violations, Missouri state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with passive restraint, vehicle safety, multiple policy, multiple vehicle, anti-theft, and defensive driving course discounts applied. When taking advantage of discounts, theaverage amount saved on insurance for a Dodge Ram is 28% or $586.

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Missouri insurance rates are influenced by many factors which can significantly increase or decrease the price of coverage. Improving your credit rating, buying a new vehicle, or getting a couple of tickets can cause premium changes resulting in some companies being cheaper than others.

Not only may your risk profile change, but insurers file new rates without warning to adjust for gains or losses. Higher than normal claims can cause higher prices, while lower claim levels may cause lower-priced Ram insurance rates.

To help illustrate this point, the graph below analyzes the cheapest car insurance in Kansas City, MO for a 45-year-old female driver with a clean driving record, no accidents, and good financial standing. If we estimate prices based on her personal risk profile, USAA offers the lowest car insurance rates in Kansas City at $818 per year. This is $444 less than the average policy premium paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Travelers are the rest of the best Kansas City, MO auto insurance companies.

The next chart shows rates after we give the driver from the first example some claims, slightly worse credit, and a couple of points charged on her driving record. Since each auto insurer has their own process to establish rates, comparing quotes may now result in a different list of affordable Kansas City car insurance companies as shown below.

Auto-Owners now has the cheapest auto insurance in Kansas City, MO with The Hartford, Nationwide, Farmers, and Cameron Mutual now rounding out the top five. This demonstrates why Missouri drivers need to compare as many rates as possible to find the cheapest car insurance rates for a Dodge Ram.

Insurance rates are calculated by many risk factors and can increase or decrease at any time, so the cheapest company a year ago may now be wasting a lot of money.

How to find the cheapest auto insurance for a Dodge Ram

It is possible to find better rates, and here are a few penny-pinching ideas that can help Missouri drivers quote more affordable car insurance.

The last item on the list is highly significant, as we discussed in this article. Car insurance rates fluctuate constantly, so don’t be unwilling to switch carriers if a lower price can be found. Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that inflexibility results in costing you a small fortune. In just a few minutes you could compare prices and find cheaper auto insurance for a Dodge Ram in Kansas City.