Finding cheap insurance for a Dodge Ram in South Carolina relies on lots of different rating factors such as the mileage of your daily commute, your occupation, and any prior driving citations you have received. Drivers pay approximately $1,189 annually to insure their Ram, but that is an estimate based upon a 50-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.

If we were betting, you are not 50 and maybe not even a female, single instead of married, and maybe your Ram just needs liability-only coverage. Car insurance coverage is unique to each driver, so this is why the only way to find the cheapest coverage for your Dodge is to just take the time to compare rates yourself. Quotes are free and you can get prices from the cheapest companies that offer coverage in South Carolina.

View Dodge Ram Insurance Rates

Vehicle trim level tends to have a direct effect on the cost of insurance, so the rate you pay to insure a Ram Quad Cab ST 2WD model will be $294 lower than the insurance cost for the higher-end Ram Quad Cab Laramie 4WD model, as demonstrated by the prices below.

Dodge Ram Insurance Rates in South Carolina
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $226 $362 $362 $22 $108 $1,080 $90
Ram Quad Cab TRX4 Off Road 2WD $256 $440 $362 $22 $108 $1,188 $99
Ram Quad Cab SLT 2WD $256 $440 $362 $22 $108 $1,188 $99
Ram Crew Cab ST 2WD $256 $440 $362 $22 $108 $1,188 $99
Ram Quad Cab ST 4WD $256 $440 $362 $22 $108 $1,188 $99
Ram Crew Cab SLT 2WD $256 $440 $362 $22 $108 $1,188 $99
Ram Crew Cab TRX 2WD $256 $440 $362 $22 $108 $1,188 $99
Ram Quad Cab SLT 4WD $256 $440 $362 $22 $108 $1,188 $99
Ram Crew Cab ST 4WD $256 $440 $362 $22 $108 $1,188 $99
Ram Crew Cab Sport 2WD $284 $518 $362 $22 $108 $1,294 $108
Ram Quad Cab Sport 2WD $284 $518 $362 $22 $108 $1,294 $108
Ram Quad Cab TRX4 Off Road 4WD $284 $518 $362 $22 $108 $1,294 $108
Ram Crew Cab TRX 4WD $284 $518 $362 $22 $108 $1,294 $108
Ram Crew Cab SLT 4WD $284 $518 $362 $22 $108 $1,294 $108
Ram Quad Cab Laramie 2WD $284 $518 $362 $22 $108 $1,294 $108
Ram Crew Cab Laramie 2WD $284 $518 $362 $22 $108 $1,294 $108
Ram Crew Cab Sport 4WD $284 $518 $362 $22 $108 $1,294 $108
Ram Quad Cab Sport 4WD $284 $518 $362 $22 $108 $1,294 $108
Ram Crew Cab Laramie 4WD $284 $598 $362 $22 $108 $1,374 $115
Ram Quad Cab Laramie 4WD $284 $598 $362 $22 $108 $1,374 $115
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Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in vehicle location which can influence premium rates greatly.

Establishing which companies have the cheapest insurance rates for a Dodge Ram in South Carolina requires more time in order to find the most economical policy. Every auto insurer has a different formula for determining rates in each state, so let's take a look at the most affordable insurance companies in South Carolina.

Cheap Insurance Rates for Your Ram Truck

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Rankings for the cheapest car insurance companies in South Carolina
Rank Company Cost Per Year
1 The Hartford $752
2 USAA $995
3 State Auto $1,105
4 Auto-Owners $1,119
5 SC Farm Bureau Mutual $1,260
6 Southern Farm Bureau $1,298
7 Travelers $1,343
8 National Grange Mutual $1,375
9 State Farm $1,422
10 Allstate $1,589
11 Progressive $1,594
12 Encompass $1,691
13 Nationwide $1,778
14 Safe Auto $1,927
15 GEICO $1,981
16 Bristol West $2,468
17 Liberty Mutual $2,489
18 Safeco $2,690
Find Cheaper Rates Go

The Hartford normally has some of the most affordable car insurance rates in South Carolina at around $752 a year. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual would also be considered some of the best South Carolina auto insurance companies.

In this example, if you are a customer of SC Farm Bureau Mutual and switched to USAA, you could realize yearly savings of in the vicinity of $265. Drivers with Southern Farm Bureau might save as much as $303 a year, and Travelers customers might realize rate reductions of up to $348 a year.

Understand that those policy prices are averaged across all insureds and vehicles and and are not figured with a specific rate value for a Dodge Ram. So the insurer that has the lowest price for you may not even be in the top 18 companies shown above. That illustrates why you need to get auto insurance quotes using your own individual information.

Cautious drivers save money

The ideal way to maintain good insurance prices for a Ram pickup is to be a safe driver and not have accidents or get tickets. The example below demonstrates how speeding tickets and at-fault accidents can affect car insurance rates for each age group. The prices are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

In the prior example, the average cost of car insurance in South Carolina per year with no accidents and a clean driving record is $1,966. Receive two speeding tickets and the average cost increases to $2,626, an increase of $660 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of insurance for a Dodge Ram in South Carolina jumps again to an average of $5,244. That's an increase of $3,279, or $273 per month, just for not driving attentively!

The benefits of price comparisons

South Carolina insurance rates are impacted by many factors that control the price of coverage. Simply getting older, buying higher coverage limits, or getting a ticket for running a stop sign can produce rate changes that can now make some companies cheaper than others. In addition to those changes, companies file new rates as needed to adjust for heavy claims or excess profits. Significantly higher losses may result in a rate increase, while long-term profits can cause cheaper Ram insurance rates.

To help illustrate this point, the chart below compares the cheapest car insurance in South Carolina for a 40-year-old male driver with no accidents or violations, and a good credit history. If we look at prices based on his current risk factors, The Hartford offers the lowest car insurance rates in South Carolina at $745 a year. This is $864 less than the average premium paid by South Carolina drivers of $1,609. USAA, State Auto, Auto-Owners, and Southern Farm Bureau are also included in the cheapest South Carolina auto insurance companies.

In this next rate comparison, we will give the driver from the first example a couple of claims, less-than-perfect credit, and an imperfect driving record. Since every car insurance company has their own unique process for determining rates in each state, comparing rates may now present a completely different list of the cheapest companies as shown below.

Travelers now has the cheapest car insurance in South Carolina with National Grange Mutual, State Farm, USAA, and The Hartford now rounding out the top five. This demonstrates why consumers need to shop around when trying to find the most affordable auto insurance rates for a Dodge Ram.

Insurance prices are influenced by many risk factors and can decrease or increase without notice, so the cheapest rate the last time you shopped around may now be one of the higher cost companies.

Tips to find low-cost insurance for a Dodge Ram

Below you'll find a few penny-pinching solutions that can help drivers get more affordable car insurance.

That final tip is certainly important, as was pointed out in the prior information. Auto insurance rates can change in a short period of time, so don't be hesitant to buy a different policy if a better deal can be had.

Loyalty to a specific company is fine, but it's not a great idea if that loyalty ends up costing lots of money. It takes less than five minutes to shop around to find cheaper insurance for a Dodge Ram.