Dodge Ram 2500 Insurance Rates

U.S. average insurance prices for a Dodge Ram 2500 are $1,186 every 12 months for full coverage. Comprehensive insurance costs on average $198 a year, collision costs $274, and liability coverage is estimated at $534. Liability-only coverage costs approximately $588 a year, with high-risk coverage costing $2,556 or more. 16-year-old drivers pay the highest rates at $4,746 a year or more.

Average premium for full coverage: $1,186

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Ram 2500 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas have more infrequent accident claims than congested cities.

The diagram below illustrates how your location can change car insurance rates.

The ranges above show why it is important to get quotes based on a specific location and their own driving history, rather than using rate averages.

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

Additional Rate Analysis

The chart below shows estimated Dodge Ram 2500 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $715
• Choosing higher $1,000 deductibles can save around $1,078 a year
• The average price for the average middle-age driver with $500 deductibles is $1,186
• Buying low $100 deductibles for comp and collision coverage costs an extra $206 each year
• Drivers with multiple tickets or accidents could pay upwards of $2,556 or more
• The price to insure a teenage driver may cost $4,746 each year

View Chart as Image

Auto insurance prices for a Dodge Ram 2500 are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Ram 2500.

Opting for high physical damage deductibles can save as much as $320 a year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay upwards of $4,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,400 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges around 42% to 131% more than the average rate. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Dodge Ram 2500 insurance rates. A good driver about age 40 could pay as low as $780 a year in states like Idaho, Maine, and Iowa, or at least $1,690 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know exactly what you will pay is to get quotes and see how they stack up. Each auto insurer utilizes a different rate formula, and quoted prices may be quite 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

Getting lower rates on auto insurance takes avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to shop around at every policy renewal by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a brief recap of the data illustrated above.

• Consumers who require higher liability limits will pay around $590 each year to raise limits from a low limit to a 250/500 level
• Drivers can save as much as $130 per year simply by quoting early and online
• Increasing physical damage deductibles could save as much as $325 each year
• Teenagers are charged the highest prices, with premiums as much as $396 a month if comprehensive and collision insurance is included