Dodge Ram 2500 Insurance Rates

U.S. average insurance rates for a Dodge Ram 2500 are $1,150 a year for full coverage insurance. Comprehensive insurance costs an estimated $186 each year, collision insurance costs $250, and liability coverage costs $534. A policy with just liability insurance costs as little as $588 a year, and coverage for high-risk drivers costs $2,474 or more. Teen drivers pay the highest rates at up to $4,630 a year.

Average premium for full coverage: $1,150

Price estimates broken down by individual coverage:

Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and Ram 2500 models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. More rural locations have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how location helps determine insurance prices.

The ranges above illustrate why all drivers should compare rates for a targeted area and risk profile, rather than using price averages.

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

More Rate Details

The chart below illustrates average Dodge Ram 2500 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $698
• Drivers who choose higher $1,000 deductibles will pay approximately $100 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,150
• Choosing low deductibles for comprehensive and collision insurance will cost an extra $188 each year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,474
• The price for full coverage for a teenage driver can cost as much as $4,630 a year

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $4,600 a year. View Rates by Age

The state you live in makes a big difference in Dodge Ram 2500 insurance rates. A 40-year-old driver could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,550 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $290 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $480 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can cost around 41% to 135% more than average. View High Risk Driver Rates

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 Affordable Dodge Ram 2500 Insurance

Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates every other policy renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below is a brief review of the ideas that were covered in the charts and tables above.

• Teenage drivers are charged the highest prices, as much as $386 a month for full coverage
• Drivers with DUI or reckless driving convictions pay on average $1,320 more annually for auto insurance
• Increasing physical damage deductibles can save around $300 each year
• It is possible to save approximately $130 per year just by quoting online in advance