Dodge Ram 2500 Insurance Rates

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

Average premium for full coverage: $1,150

Premium estimates by type of coverage:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and Ram 2500 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance prices.

These rate differences highlight why all drivers should compare rates quotes using their specific location, instead of making a decision based on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $698
• Raising to $1,000 deductibles will save $100 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,150
• Choosing low deductibles bumps up the cost to $1,338
• Drivers with multiple violations and an at-fault accident could pay around $2,474
• An auto insurance policy that insures a 16-year-old driver can cost $4,630

View Chart as Image

Insurance prices for a Dodge Ram 2500 also have a wide range based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,400 to $1,900 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 41% to 135% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Where you choose to live also has a big influence on Dodge Ram 2500 insurance prices. A middle-age driver might find prices as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,640 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce prices by up to $290 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $480 more each year. View Rates by Deductible or Liability Limit

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 the Cheapest Dodge Ram 2500 Insurance

Finding better rates on insurance for a Dodge Ram 2500 consists of avoiding accidents and claims, having a good credit score, refrain from filing small claims, and consideration of higher deductibles. Shop around every time your policy renews by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The points below are a recap of the information raised in the charts and tables above.

• You may be able to save around $130 per year just by quoting online in advance
• Drivers under the age of 20 are the costliest to insure, with the cost nearing $386 per month if comprehensive and collision insurance is included
• Increasing policy deductibles can save approximately $300 each year
• Drivers considered higher risk that have major violations or accidents will likely pay on average $1,320 more per year to insure a Dodge Ram 2500
• Insureds who purchase increased liability limits will pay about $590 per year to raise from 30/60 bodily injury limits to the 250/500 level