Dodge Ram 2500 Insurance Rates

U.S. average auto insurance rates for a Dodge Ram 2500 are $1,186 annually including full coverage. Comprehensive insurance costs an estimated $198, collision insurance costs $274, and liability coverage is $534. Buying just liability costs around $588 a year, and insurance for high-risk drivers costs $2,556 or more. Teenage drivers pay the highest rates at up to $4,746 a year.

Average premium for full coverage: $1,186

Price estimates broken down by individual coverage:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Ram 2500 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates how where you live affects insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $715
• Raising to $1,000 deductibles will save approximately $108 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,186
• Using more expensive low deductibles costs an additional $206 each year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,556
• The price with full coverage for a teenage driver with full coverage can cost as much as $4,746

View Chart as Image

Insurance prices for a Dodge Ram 2500 are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,700 a year. View Rates by Age

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

Using high physical damage 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 increase prices by as much as $480 more each year. View Rates by Deductible or Liability Limit

The state you live in 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 be forced to pay as much as $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 Buy the Best Dodge Ram 2500 Insurance

Getting lower rates on auto insurance consists of avoiding accidents and claims, having good credit, being claim-free, and possibly raising deductibles. Take the time to comparison shop at least once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a brief recap of the primary concepts that were touched on in the above illustrations.

• You may be able to save approximately $130 per year just by shopping early and online
• Drivers who tend to receive serious violations could be forced to pay on average $1,370 more annually to insure a Dodge Ram 2500
• Increasing physical damage deductibles could save up to $325 each year
• Drivers under the age of 20 are expensive to insure, possibly costing $396 a month if they have full coverage