Dodge Ram 2500 Insurance Rates

U.S. average insurance rates for a Dodge Ram 2500 are $1,150 a year for full coverage insurance. Comprehensive costs approximately $186, collision costs $250, and liability is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing around $2,474. 16-year-old drivers pay the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Price estimates by individual coverage:

These estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all Ram 2500 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than congested cities.

The example below illustrates how where you live affects auto insurance prices.

The ranges above illustrate why everyone should compare rates quotes using their specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Information

The chart below illustrates estimated Dodge Ram 2500 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $698
• Raising to $1,000 deductibles will save $100 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,150
• Buying pricier low deductibles will increase the cost to $1,338
• Drivers with multiple tickets or accidents could pay around $2,474 or more
• The price for full coverage for a 16-year-old driver for full coverage can cost $4,630

View Chart as Image

Auto insurance prices for a Dodge Ram 2500 are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

The state you live in also has a big influence on Dodge Ram 2500 insurance prices. A middle-age driver might find prices as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,550 on average in Florida, New York, and Michigan.

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Opting for high physical damage deductibles can reduce prices by up to $290 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,400 to $1,900 in extra premium each year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers is expensive and can cost from 41% to 135% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different from one company to the next.

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 Find Cheap Dodge Ram 2500 Insurance

Getting lower rates on insurance for a Dodge Ram 2500 consists of being a safe and courteous driver, having good credit, not filing small claims, and not having any coverage lapses. Take the time to comparison shop at least once a year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a brief summary of the primary concepts that were touched on in the above illustrations.

• It is possible to save around $130 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,320 more per year for auto insurance
• Increasing physical damage deductibles can save around $300 each year
• Teenage drivers have the highest car insurance prices, as much as $386 a month if they have full coverage