Dodge Ram 2500 Insurance Rates

U.S. average insurance rates for a Dodge Ram 2500 are $1,150 a year for full coverage. Comprehensive insurance costs an estimated $186, collision costs $250, and liability is $534. A policy with just liability insurance costs around $588 a year, with coverage 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:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for different Ram 2500 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on insurance rates. More rural locations have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates how geographic area affects insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $698
• Raising to $1,000 deductibles will save approximately $100 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,150
• Using more expensive low deductibles will cost an extra $188 every year
• At-risk drivers who are prone to accidents and violations could pay up to $2,474 or more
• The price for full coverage for a teen driver with full coverage can cost as much as $4,630

View Chart as Image

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

An older driver with a clean driving record and high deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher 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 also has a big influence on Dodge Ram 2500 insurance prices. A middle-age driver might find prices as low as $760 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,640 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $290 every year, while increasing your policy's liability limits will increase premiums. Going 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 could be paying $1,400 to $1,900 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 41% to 135% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different from one company to the next.

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 Cheap Dodge Ram 2500 Insurance

Getting lower rates on car insurance consists of avoiding accidents and claims, maintaining good credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates every other policy renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The points below are a brief summary of the ideas that were presented in the illustrations above.

• Drivers under the age of 20 are charged the highest prices, with premiums as much as $386 a month for full coverage
• Higher risk drivers that tend to have accidents or serious violations pay an average of $1,320 more annually to insure a Dodge Ram 2500
• Increasing physical damage deductibles can save around $300 each year
• Drivers can save approximately $130 per year simply by shopping early and online