Dodge Ram 2500 Insurance Rates

Estimated auto insurance rates for a Dodge Ram 2500 are $1,186 annually including full coverage. Comprehensive costs an estimated $198, collision costs $274, and liability coverage is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing around $2,556. Teen drivers pay the most at $4,746 a year or more.

Average premium for full coverage: $1,186

Premium estimates broken down by type of coverage:

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Ram 2500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than larger metro areas.

The price range example below illustrates the difference location can make on insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than using price averages.

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

Rate Comparisons

The chart below breaks down estimated Dodge Ram 2500 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $715
• Raising to $1,000 deductibles will save approximately $108 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,186
• Choosing more expensive low deductibles will cost $1,392
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,556 or more
• An auto insurance policy with full coverage for a teenage driver with full coverage can cost as much as $4,746

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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 driving characteristics, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay at least $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $320 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $480 more per year. View Rates by Deductible or Liability Limit

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

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With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, so the prices will be substantially different between companies.

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 auto insurance consists of avoiding accidents and violations, having a good credit history, refrain from filing small claims, and taking advantage of discounts. Make time to compare rates at least once a year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The list below is a quick rundown of the primary concepts that were touched on in this article.

• You may be able to save approximately $130 per year simply by shopping early and online
• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,370 more annually for car insurance
• Increasing policy deductibles could save up to $325 each year
• Teenagers are charged the highest prices, with the cost nearing $396 per month including comprehensive and collision insurance