Dodge Ram 2500 Insurance Rates

Estimated auto insurance rates for a Dodge Ram 2500 are $1,150 annually for full coverage insurance. Comprehensive costs around $186 a year, collision insurance costs $250, and liability is estimated at $534. Liability-only insurance costs approximately $588 a year, and high-risk driver insurance costs around $2,474. Teenage drivers pay the most at up to $4,630 a year.

Average premium for full coverage: $1,150

Premium estimates for type of coverage:

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Ram 2500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences illustrate why it is important to get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below illustrates average Dodge Ram 2500 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $698
• Choosing higher $1,000 deductibles can save about $1,050 each year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,150
• Using low $100 deductibles for comp and collision coverage will cost $1,338
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,474
• An auto insurance policy with full coverage for a 16-year-old driver can be $4,630 each year

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Insurance prices for a Dodge Ram 2500 also have a wide range based on the model of your Ram 2500, your risk profile, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,400 to $1,900 additional annually, depending on your age. A high-risk auto insurance policy ranges from 41% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $290 annually, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $480 more each year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Dodge Ram 2500 insurance prices. A good driver about age 40 could pay as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,550 on average in Michigan, New York, and Florida.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy the Right Dodge Ram 2500 Insurance

Finding better rates on insurance for a Dodge Ram 2500 takes having a decent driving record, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Set aside time to compare rates every time your policy renews by quoting rates from direct insurance companies, and also from several local insurance agents.

The following items are a quick rundown of the information covered above.

• It is possible to save up to $130 per year just by quoting early and online
• 16 to 18-year-old drivers are charged the highest prices, with premiums being up to $386 per month if they have full coverage
• Increasing policy deductibles could save up to $300 each year
• Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,320 more every year than a driver with a clean driving record
• Insureds who may need additional liability coverage will pay an extra $590 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits