Dodge Ram 2500 Insurance Rates

U.S. average insurance rates for a Dodge Ram 2500 are $1,186 a year for full coverage insurance. Comprehensive insurance costs on average $198 a year, collision costs $274, and liability insurance costs around $534. Buying just liability costs as low as $588 a year, with insurance for high-risk drivers 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:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Ram 2500 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. Rural areas have lower incidents of physical damage claims than congested cities.

The diagram below illustrates how location helps determine car insurance rates.

The ranges above illustrate why it is important to compare prices based on a specific location, rather than relying on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $715
• Using higher $1,000 deductibles will save around $1,078 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,186
• Buying low $100 deductibles for physical damage coverage will cost an additional $206 a year
• Drivers with multiple tickets or accidents could pay upwards of $2,556 or more
• The price that insures a teen driver may cost $4,746 or more

View Chart as Image

Insurance prices for a Dodge Ram 2500 are also quite variable based on the trim level of your Ram 2500, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,400 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 131% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,700 a year. View Rates by Age

The state you live in has a huge impact on Dodge Ram 2500 insurance rates. A driver around age 40 might see prices as low as $780 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,600 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $320 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, and prices may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2010 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

Getting lower rates on Dodge Ram 2500 insurance requires avoiding accidents and violations, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Comparison shop every other policy renewal by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a review of the ideas that were covered in the charts and tables above.

• Teenagers pay higher prices, as much as $396 a month if comprehensive and collision insurance is included
• High-risk drivers who have several accidents or serious violations may pay on average $1,370 more each year for car insurance
• Increasing physical damage deductibles can save approximately $325 each year
• It is possible to save as much as $130 per year simply by quoting early and online