Dodge Ram 2500 Insurance Rates

Average insurance rates for a Dodge Ram 2500 are $1,186 a year with full coverage. Comprehensive insurance costs approximately $198 each year, collision costs $274, and liability costs around $534. A liability-only policy costs as low as $588 a year, with high-risk insurance costing $2,556 or more. Teenage drivers receive the highest rates at $4,746 a year or more.

Average premium for full coverage: $1,186

Rate estimates by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and Ram 2500 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of insurance. Rural locations tend to have lower incidents of collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

These examples demonstrate why all drivers should compare prices using their specific location, instead of using average rates.

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

More Rate Information

The chart below details estimated Dodge Ram 2500 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $715
• Using higher $1,000 deductibles will save $108 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,186
• Using low deductibles for physical damage coverage will cost an additional $206 every year
• Drivers who are prone to accidents and violations could pay around $2,556 or more
• The cost that insures a teen driver can cost $4,746 or more

View Chart as Image

Insurance rates for a Dodge Ram 2500 can also vary considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,700 a year. View Rates by Age

Where you live has a huge impact on Dodge Ram 2500 insurance prices. A driver around age 40 might see rates as low as $860 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,600 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $320 every year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $480 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see which company has the best rate. Each insurance company uses a different method to calculate rates, so the rates can be significantly 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 Find Low Cost Dodge Ram 2500 Insurance

Saving money on car insurance requires avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices every couple of years by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a review of the material that was covered above.

• Policyholders who purchase higher liability limits will pay an extra $590 every year to increase from a minimum limit to the 250/500 level
• Teenagers are expensive to insure, with premiums as much as $396 per month if full coverage is included
• Higher risk drivers who have several accidents or serious violations may have to pay on average $1,370 more per year for car insurance
• Increasing deductibles can save approximately $325 each year