Dodge Ram 2500 Insurance Rates

Average insurance rates for a Dodge Ram 2500 are $1,186 a year for full coverage insurance. Comprehensive costs on average $198 a year, collision costs $274, and liability is $534. A liability-only policy costs around $588 a year, with high-risk insurance costing around $2,556. 16-year-old drivers receive the highest rates at $4,746 a year or more.

Average premium for full coverage: $1,186

Rate estimates by individual coverage type:

Rates are based on $500 deductible amounts, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Ram 2500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than congested cities.

The diagram below illustrates how rural and urban location affects car insurance rates.

These examples illustrate why it is important to compare rates quotes based on a specific location and risk profile, instead of using 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
• Raising to $1,000 deductibles will save around $1,078 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,186
• Buying low $100 deductibles will increase the cost to $1,392
• At-risk drivers with multiple tickets or accidents could pay upwards of $2,556 or more
• The cost for full coverage for a teen driver may cost $4,746

View Chart as Image

Insurance rates for a Dodge Ram 2500 can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay upwards of $4,700 a year. View Rates by Age

Where you live also has a big influence on Dodge Ram 2500 insurance prices. A middle-age driver might find rates 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 can reduce rates by up to $320 every year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $480 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 131% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so the rates can be significantly 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 the Best Cheap Dodge Ram 2500 Insurance

Saving money on car insurance consists of having a good driving record, maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Set aside time to shop around every year by getting price quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The next list is a quick review of the coverage data raised in the charts and tables above.

• It is possible to save as much as $130 per year simply by quoting early and online
• Increasing deductibles can save around $325 each year
• Drivers age 20 and younger pay the highest rates, costing up to $396 per month for full coverage
• Higher risk drivers with a DUI or reckless driving violation pay an average of $1,370 more each year to buy Dodge Ram 2500 insurance