Dodge Ram 2500 Insurance Rates

Estimated insurance rates for a Dodge Ram 2500 are $1,186 a year with full coverage. Comprehensive costs approximately $198 each year, collision costs $274, and liability costs $534. Liability-only insurance costs as little as $588 a year, with high-risk driver insurance costing around $2,556. Teenage drivers pay the most at $4,746 a year or more.

Average premium for full coverage: $1,186

Premium estimates by type of coverage:

Includes $500 deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and Ram 2500 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on auto insurance prices.

These rate differences demonstrate why all drivers should compare rates using their specific location and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $715
• Drivers who choose higher $1,000 deductibles will pay $108 annually
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,186
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,392
• Drivers who are prone to accidents and violations could pay around $2,556 or more
• An auto insurance policy for full coverage for a 16-year-old driver can cost $4,746 a year

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Ram 2500 insurance prices. A 40-year-old driver could pay 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 save up to $320 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $480 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 additional annually, depending on your age. Insurance for high-risk drivers can cost from 42% to 131% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, and prices will be substantially different from one company to the next.

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 the Cheapest Dodge Ram 2500 Insurance

Finding better rates on insurance for a Dodge Ram 2500 not only requires not taking risks behind the wheel, but also having a good credit history, being claim-free, and qualifying for all possible discounts. Take the time to compare rates every year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a recap of the coverage data covered in the above illustrations.

• You may be able to save around $130 per year simply by quoting online in advance
• Increasing policy deductibles can save around $325 each year
• Teens are the costliest to insure, possibly costing $396 per month including comprehensive and collision insurance
• Drivers considered higher risk that have major violations or accidents pay on average $1,370 more per year for Ram 2500 insurance