Dodge Ram 2500 Insurance Rates

The average auto insurance rates for a Dodge Ram 2500 are $1,150 annually with full coverage. Comprehensive insurance costs approximately $186 each year, collision insurance costs $250, and liability coverage costs around $534. A liability-only policy costs as low as $588 a year, and high-risk insurance costs $2,474 or more. Teenage drivers cost the most to insure at up to $4,630 a year.

Average premium for full coverage: $1,150

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Ram 2500 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above demonstrate why all drivers should compare prices using their specific location and their own personal driving habits, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $698
• Using higher $1,000 deductibles will save $100 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,150
• Using low deductibles for physical damage coverage costs an additional $188 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,474
• Policy cost with full coverage for a teenage driver can cost $4,630 or more

View Chart as Image

Car insurance rates for a Dodge Ram 2500 also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers can be around 41% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $290 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Dodge Ram 2500 insurance rates. A driver around age 40 might see rates as low as $830 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,550 on average in New York, Michigan, and Florida.

View Chart as Image

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 Buy More Affordable Dodge Ram 2500 Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having a good credit score, not filing small claims, and attention to physical damage deductibles. Set aside time to compare rates at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a summary of the car insurance concepts covered above.

• Drivers who have multiple accidents or major violations may pay on average $1,320 more per year for car insurance
• You may be able to save around $130 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Consumers who purchase higher liability limits will pay an extra $590 every year to increase from a 30/60 limit to higher 250/500 limits