Dodge Ram 2500 Insurance Rates

Average insurance prices for a Dodge Ram 2500 are $1,186 every 12 months including full coverage. Comprehensive insurance costs approximately $198 a year, collision insurance costs $274, and liability insurance is $534. A liability-only policy costs around $588 a year, and high-risk insurance costs $2,556 or more. Teens receive the highest rates at up to $4,746 a year.

Average premium for full coverage: $1,186

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Ram 2500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance prices.

These examples highlight why it is important to compare rates quotes using their specific location and their own driving history, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below breaks down average Dodge Ram 2500 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $715
• Raising to $1,000 deductibles will save $1,078 every year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,186
• Selecting low $100 deductibles costs an extra $206 a year
• Higher-risk drivers with serious driving violations could pay around $2,556
• The cost to insure a teen driver can cost $4,746

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Insurance rates for a Dodge Ram 2500 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Ram 2500.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $320 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $480 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 131% more than the average policy. View High Risk Driver Rates

Where you live also has a big influence on Dodge Ram 2500 insurance rates. A middle-age driver might find rates as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,690 on average in Louisiana, New York, and Michigan.

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 Shop for Affordable Dodge Ram 2500 Insurance

Saving money on Dodge Ram 2500 insurance consists of being safe and accident-free, having good credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around every year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

Below you'll find a brief review of the coverage data raised in the charts and tables above.

• You may be able to save around $130 per year just by quoting early and online
• Increasing deductibles could save as much as $325 each year
• Youthful drivers are expensive to insure, as much as $396 per month if they have full coverage
• High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,370 more per year than a low-risk driver