Dodge Ram 2500 Insurance Rates

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

Average premium for full coverage: $1,186

Premium estimates for type of coverage:

These estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Ram 2500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance rates.

These rate differences demonstrate why it is important to get quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

More Rate Details

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

• The best discount rate is $715
• Choosing higher $1,000 deductibles can save about $1,078 annually
• The average price for a 40-year-old good driver using $500 deductibles is $1,186
• Using low $100 deductibles for comp and collision coverage costs an extra $206 annually
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,556 or more
• An auto insurance policy to insure a 16-year-old driver can be $4,746 each year

View Chart as Image

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

Using high physical damage deductibles can save as much as $320 annually, while buying higher liability limits will increase prices. Moving 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

Older drivers with a good driving record and higher deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher 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 may be forking out at least $1,400 to $2,000 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges from 42% to 131% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Dodge Ram 2500 insurance prices. A good driver about age 40 could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,600 on average in Florida, Michigan, and New York.

View Chart as Image

With such a large range in prices, the best way to find out your exact price is to get quotes from multiple companies. Each auto insurer uses a different method to calculate prices, 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 Cheap Dodge Ram 2500 Insurance

Finding better rates on insurance for a Dodge Ram 2500 takes being a low-risk driver, having a good credit score, being claim-free, and maximizing policy discounts. Take the time to compare rates at least every other year by requesting rates from direct companies, and also from several local insurance agents.

The items below are a brief summary of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,370 more every year to insure their Ram 2500
• You may be able to save up to $130 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $325 each year
• Insureds who may need more liability coverage will pay an extra $590 every year to raise limits from 30/60 bodily injury limits to a 250/500 level