Dodge Ram 2500 Insurance Rates

Estimated insurance rates for a Dodge Ram 2500 are $1,150 a year with full coverage. Comprehensive insurance costs on average $186, collision insurance costs $250, and liability coverage costs $534. Liability-only coverage costs as little as $588 a year, and high-risk coverage costs $2,474 or more. Teens pay the most at up to $4,630 a year.

Average premium for full coverage: $1,150

Premium estimates by type of coverage:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different Ram 2500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates how location impacts car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare rates based on a specific location, rather than using averaged prices.

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

Additional Rate Information

The chart below details average Dodge Ram 2500 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $698
• Drivers who choose higher $1,000 deductibles will pay around $100 annually
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,150
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $188 each year
• High-risk insureds with serious driving violations could pay upwards of $2,474
• An auto insurance policy that insures a teenage driver with full coverage may cost $4,630 a year

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Insurance prices for a Dodge Ram 2500 also have a wide range based on the model year and trim level, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,400 to $1,900 extra annually, depending on your age. High-risk driver insurance can cost around 41% to 135% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $4,600 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Ram 2500 insurance rates. A 40-year-old driver could pay as low as $830 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,550 on average in Florida, Michigan, and New York.

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Choosing higher comprehensive and collision insurance deductibles could save up to $290 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $480 more per year. View Rates by Deductible or Liability Limit

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

Finding better rates on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, being claim-free, and determing if full coverage is necessary. Compare rates at least once a year by quoting rates from direct companies, and also from several local insurance agents.

The points below are a brief recap of the primary concepts that were touched on above.

• You may be able to save as much as $130 per year just by shopping early and online
• Drivers who tend to receive serious violations pay on average $1,320 more each year to insure a Dodge Ram 2500
• Increasing policy deductibles can save approximately $300 each year
• Drivers under the age of 20 pay the highest prices, possibly costing $386 per month if full coverage is included