Who Has Cheap Portland Auto Insurance Rates for a Dodge Ram?

Finding economical car insurance for a Dodge Ram doesn’t take too much effort, but it depends on an enormous amount of rating factors such as how long your commute is, the likelihood of vehicle theft, and your motor vehicle report. Drivers pay on average $1,305 annually for Ram insurance, but that cost is an estimate based upon a 30-year-old married male driver with full comprehensive and collision coverage and $100 deductibles.

Most likely you aren’t exactly 30 years old or even a male, maybe you are single instead of married, or maybe you live in a different area as the quoted rates. Auto insurance requires individual risk assessment, so the best method for finding the cheapest coverage for your Dodge is to just compare rates yourself. Get your free quotes now and you will be able to see rates from the cheapest companies that insure vehicles in Oregon.

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The specific trim level tends to have a direct effect on the yearly cost, so the price you will be charged to insure a Ram Quad Cab ST 2WD trim level will cost $338 less than the insurance cost for the higher-priced Ram Quad Cab Laramie 4WD trim level, as shown in the table below.

Dodge Ram Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $274 $408 $362 $22 $108 $1,174 $98
Ram Quad Cab TRX4 Off Road 2WD $310 $496 $362 $22 $108 $1,298 $108
Ram Quad Cab SLT 2WD $310 $496 $362 $22 $108 $1,298 $108
Ram Crew Cab ST 2WD $310 $496 $362 $22 $108 $1,298 $108
Ram Quad Cab ST 4WD $310 $496 $362 $22 $108 $1,298 $108
Ram Crew Cab SLT 2WD $310 $496 $362 $22 $108 $1,298 $108
Ram Crew Cab TRX 2WD $310 $496 $362 $22 $108 $1,298 $108
Ram Quad Cab SLT 4WD $310 $496 $362 $22 $108 $1,298 $108
Ram Crew Cab ST 4WD $310 $496 $362 $22 $108 $1,298 $108
Ram Crew Cab Sport 2WD $346 $586 $362 $22 $108 $1,424 $119
Ram Quad Cab Sport 2WD $346 $586 $362 $22 $108 $1,424 $119
Ram Quad Cab TRX4 Off Road 4WD $346 $586 $362 $22 $108 $1,424 $119
Ram Crew Cab TRX 4WD $346 $586 $362 $22 $108 $1,424 $119
Ram Crew Cab SLT 4WD $346 $586 $362 $22 $108 $1,424 $119
Ram Quad Cab Laramie 2WD $346 $586 $362 $22 $108 $1,424 $119
Ram Crew Cab Laramie 2WD $346 $586 $362 $22 $108 $1,424 $119
Ram Crew Cab Sport 4WD $346 $586 $362 $22 $108 $1,424 $119
Ram Quad Cab Sport 4WD $346 $586 $362 $22 $108 $1,424 $119
Ram Crew Cab Laramie 4WD $346 $674 $362 $22 $108 $1,512 $126
Ram Quad Cab Laramie 4WD $346 $674 $362 $22 $108 $1,512 $126
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in vehicle garaging location which can decrease or increase coverage prices noticeably.

Comparing rates for cheap auto insurance is confusing at best, and figuring out which companies quote the best car insurance rates for a Dodge Ram involves a bit more work.

Every insurance company uses their own formula for determining rates in each state, so let’s take a look at the most competitive car insurance companies in Portland. It’s a good idea to be aware that Oregon car insurance rates are determined by lots of factors that will increase or decrease the policy premium. That is why drivers need to compare many different companies when trying to get affordable insurance rates for a Dodge Ram. Prices are calculated by many things and change frequently, so the most economical company two years ago may now be one of the more expensive options.

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Oregon auto insurance company rankings
Rank Company Cost Per Year
1 Grange $708
2 Country $831
3 Oregon Mutual $853
4 Travelers $924
5 USAA $950
6 State Farm $1,071
7 Amica $1,137
8 GEICO $1,179
9 Mutual Enumclaw $1,188
10 Allied $1,215
11 California Casualty $1,218
12 Progressive $1,259
13 MetLife $1,288
14 21st Century $1,310
15 American Family $1,416
16 Encompass $1,622
17 Allstate $1,654
18 Farmers $1,935
19 Safeco $2,238
20 Liberty Mutual $2,508
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Grange has some of the best car insurance rates in Portland at around $708 each year. Country, Oregon Mutual, Travelers, and USAA would also make the list of some of the cheapest Portland, OR car insurance companies.

In the above rates, if you are a customer of Country and switched to Grange, you could earn annual savings of approximately $123. Policyholders with Oregon Mutual might save as much as $145 a year, and Travelers insureds might realize rate reductions of up to $216 a year.

To find out how much you can save, click here or visit any of the companies below.

Understand that those premium estimates are averages across all ages of drivers and types of vehicles and and are not calculated with a specific zip code for a Dodge Ram. So the company that can offer you the best price may not even be in the top 22 companies in the list above. That is why you need to get car insurance quotes using your own personal information and vehicle type.

Liability-only versus full coverage

Paying less for car insurance is probably important to the majority of drivers, and a good way to buy cheaper insurance for a Dodge Ram is to buy only liability coverage. The diagram below shows the comparison of insurance rates with liability coverage only compared to full coverage. The prices are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are not married, and no additional discounts are factored in.

As an overall average, physical damage insurance costs $2,541 per year more than just buying liability only. That is a significant amount which raises the question if paying for full coverage is a waste of money. There is no set guideline for excluding physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s assume your vehicle’s replacement cost is $10,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $9,000 after the policy deductible has been paid. If you are currently paying more than $900 a year for physical damage coverage, then it may be the right time to buy liability only.

Why you should be shopping around

Portland, OR car insurance rates are impacted by many things which can significantly increase or decrease your annual premium. Simply turning a year older, moving to a different location, or getting a driving violation may cause policy rate changes that can make some companies cheaper than before.

Not only may your situation change, but insurance companies change their prices without warning in order to be able to pay unexpected claims. Higher than normal claims can cause higher rates, while lower claims may result in more affordable Ram insurance rates.

The bar chart below shows the company with the cheapest car insurance in Portland, OR for a 40-year-old female driver with no violations or accidents, and great credit. If we look at prices based on her current risk profile, Grange may have the lowest car insurance rates in Portland at $926 a year. This is $552 less than the average premium paid by Oregon drivers of $1,478. Country, Oregon Mutual, Travelers, and USAA are the rest of the most affordable Portland, OR auto insurance companies.

In this next rate comparison, we will give the driver in the first chart a chargeable accident, bad credit, and an imperfect driving record. Because every insurance company has a different process to set policy rates, analyzing rate quotes may now present a different list of companies as shown below.

Amica now has the cheapest car insurance in Portland, OR with Oregon Mutual, Mutual Enumclaw, GEICO, and Country completing the list. This shows why it is crucial to compare as many rates as possible to find cheap car insurance quotes for a Dodge Ram. Insurance prices are calculated by many things and change substantially, so the best price the last time you compared rates may now be priced much higher than other options.