Dodge Ram 2500 Insurance Rates

Average auto insurance rates for a Dodge Ram 2500 are $1,150 annually including full coverage. Comprehensive costs on average $186 a year, collision insurance costs $250, and liability costs $534. Buying just liability costs as little as $588 a year, and insurance for high-risk drivers costs around $2,474. Teenage drivers receive the highest rates at up to $4,630 a year.

Average premium for full coverage: $1,150

Rate estimates by individual coverage type:

Includes $500 deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Ram 2500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how your location can change car insurance rates.

These examples highlight why it is important to compare rates based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $698
• Drivers who choose higher $1,000 deductibles will pay around $1,050 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,150
• Using low $100 deductibles for comprehensive and collision insurance will cost $1,338
• Drivers who are prone to accidents and violations could pay upwards of $2,474
• The cost with full coverage for a 16-year-old driver may cost $4,630 a year

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Auto insurance rates for a Dodge Ram 2500 can also vary considerably based on the trim level of your Ram 2500, your driving characteristics, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,400 to $1,900 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost from 41% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $290 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $480 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Dodge Ram 2500 insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,640 on average in Michigan, New York, and Louisiana.

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 Cheapest Dodge Ram 2500 Insurance

Saving money on insurance for a Dodge Ram 2500 not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to shop around at every other renewal by quoting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a recap of the concepts that were illustrated above.

• Drivers considered higher risk that have major violations or accidents pay on average $1,320 more each year for Ram 2500 insurance
• Teens are charged the highest rates, as much as $386 per month if full coverage is included
• You may be able to save as much as $130 per year just by quoting early and online
• Increasing deductibles could save up to $300 each year
• You may be able to save as much as $130 per year just by quoting early and online