Dodge Ram 2500 Insurance Rates

U.S. average insurance rates for a Dodge Ram 2500 are $1,150 a year including full coverage. Comprehensive insurance costs an estimated $186 a year, collision costs $250, and liability insurance costs around $534. Buying just liability costs as low as $588 a year, with insurance for high-risk drivers costing $2,474 or more. Teenage drivers pay the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Price estimates broken down by individual coverage:

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Ram 2500 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location helps determine insurance prices.

The ranges above highlight why it is important to compare prices for a targeted area, rather than relying on average rates.

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

Additional Charts and Tables

The chart below breaks down estimated Dodge Ram 2500 insurance rates for other coverage scenarios.

• The best discount rate is $698
• Using higher $1,000 deductibles will save approximately $1,050 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,150
• Using low $100 deductibles for physical damage coverage will cost an additional $188 a year
• Drivers who are prone to accidents and violations could pay up to $2,474 or more
• The price that insures a teen driver can cost as much as $4,630 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 driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,400 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy can be anywhere from 41% to 135% more than a normal policy. 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 much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,600 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 $880 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,640 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $290 each year, while buying higher liability limits will increase premiums. Changing 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 best way to figure out which car insurance is cheapest is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, and 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 Find the Best Dodge Ram 2500 Insurance

Getting lower rates on Dodge Ram 2500 insurance requires being safe and accident-free, having a good credit score, being claim-free, and maximizing policy discounts. Compare prices at every policy renewal by requesting rates from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a brief recap of the data covered in the charts and tables above.

• Drivers who want more liability protection will pay an extra $590 per year to increase from a low limit to the 250/500 level
• You may be able to save approximately $130 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $300 each year
• Youthful drivers are expensive to insure, possibly costing $386 a month if comprehensive and collision insurance is included