Dodge Ram 2500 Insurance Rates

Estimated auto insurance rates for a Dodge Ram 2500 are $1,186 annually including full coverage. Comprehensive costs around $198 a year, collision insurance costs $274, and liability coverage costs around $534. A policy with only liability insurance costs as low as $588 a year, and a high-risk policy costs around $2,556. Teenage drivers pay the most at up to $4,746 a year.

Average premium for full coverage: $1,186

Premium estimates for type of coverage:

Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Ram 2500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance rates.

These rate differences highlight why it is important to compare prices for a specific zip code and their own personal driving habits, rather than using average rates.

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

Additional Rate Information

The chart below breaks down average Dodge Ram 2500 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $715
• Using higher $1,000 deductibles will save about $1,078 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,186
• Using low $100 deductibles for physical damage coverage will cost $1,392
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,556
• An auto insurance policy with full coverage for a teenage driver can be $4,746 or more

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Car insurance prices for a Dodge Ram 2500 also have a wide range based on the model of your Ram 2500, your driving characteristics, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can be around 42% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $320 a year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Dodge Ram 2500 insurance rates. A driver around age 40 might see prices as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,690 on average in Michigan, New York, and Louisiana.

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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 Low Cost Dodge Ram 2500 Insurance

Finding better rates on auto insurance requires not taking risks behind the wheel, having a good credit score, refrain from filing small claims, and consideration of higher deductibles. Invest the time to shop around every other policy renewal by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following is a review of the ideas that were illustrated above.

• Teens are the costliest to insure, with the cost nearing $396 per month if comprehensive and collision insurance is included
• Drivers who have several accidents or serious violations may pay on average $1,370 more every year for Ram 2500 insurance
• Increasing policy deductibles could save up to $325 each year
• You may be able to save up to $130 per year just by quoting early and online