Dodge Ram 2500 Insurance Rates

Average insurance rates for a Dodge Ram 2500 are $1,186 a year with full coverage. Comprehensive insurance costs approximately $198 a year, collision costs $274, and liability coverage costs $534. A policy with just liability insurance costs as little as $588 a year, with coverage for high-risk drivers costing $2,556 or more. Teens receive the highest rates at $4,746 a year or more.

Average premium for full coverage: $1,186

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and Ram 2500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. Rural locations tend to have lower incidents of collision claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These examples demonstrate why it is important to compare rates using their specific location, rather than using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $715
• Drivers who choose higher $1,000 deductibles will pay $1,078 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,186
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $206 each year
• High-risk insureds with serious driving violations could pay around $2,556 or more
• The cost that insures a teenage driver can cost $4,746 a year

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Insurance rates for a Dodge Ram 2500 can also vary considerably based on the trim level of your Ram 2500, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can cost around 42% to 131% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

Where you live makes a big difference in Dodge Ram 2500 insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,600 on average in New York, Michigan, and Florida.

View Chart as Image

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

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes and see how they stack up. Every company calculates rates differently, and rates can be significantly different.

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 Best Dodge Ram 2500 Insurance

Saving money on auto insurance not only requires being a good driver, but also having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare rates every year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a brief recap of the coverage data covered above.

• You may be able to save around $130 per year simply by quoting early and online
• Increasing deductibles can save approximately $325 each year
• Drivers age 16 to 20 are the costliest to insure, with premiums as much as $396 per month if comprehensive and collision insurance is included
• Drivers who tend to receive serious violations may have to pay on average $1,370 more per year than a safer driver