Dodge Ram 2500 Insurance Rates

Estimated insurance prices for a Dodge Ram 2500 are $1,186 every 12 months for full coverage. Comprehensive costs around $198, collision costs $274, and liability coverage costs around $534. A liability-only policy costs as low as $588 a year, with high-risk insurance costing around $2,556. Teen drivers pay the most at $4,746 a year or more.

Average premium for full coverage: $1,186

Premium estimates for type of coverage:

Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for different Ram 2500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than larger metro areas.

The price range example below illustrates the difference location can make on auto insurance rates.

These rate differences show why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than using price averages.

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

Additional Rate Information

The chart below shows estimated Dodge Ram 2500 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $715
• Using higher $1,000 deductibles will save about $108 a year
• The average price for a 40-year-old good driver using $500 deductibles is $1,186
• Choosing more expensive low deductibles for physical damage coverage increases the price to $1,392
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,556 or more
• An auto insurance policy to insure a teenage driver with full coverage can be $4,746 or more

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Auto insurance prices for a Dodge Ram 2500 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.

Choosing high deductibles could cut prices by as much as $320 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $480 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay as much as $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at least $1,400 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance can be around 42% to 131% more than average. View High Risk Driver Rates

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 $780 a year in states like Idaho, Maine, and Iowa, or as much as $1,690 on average in Michigan, Louisiana, and New York.

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With such a large range in prices, the only way to know your exact price is to compare prices and see how they stack up. Each insurance company uses a different rate calculation, and quoted prices will be substantially 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 Shop for the Best Dodge Ram 2500 Insurance

Finding better rates on auto insurance requires being a safe and courteous driver, having a good credit score, not filing small claims, and maximizing policy discounts. Make time to compare rates every other policy renewal by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

Below is a brief recap of the ideas that were touched on in this article.

• Teenage drivers are expensive to insure, as much as $396 per month if comprehensive and collision insurance is included
• Drivers who tend to receive serious violations may pay on average $1,370 more every year for auto insurance
• Increasing policy deductibles could save as much as $325 each year
• Drivers can save up to $130 per year simply by shopping early and online