Dodge Ram 2500 Insurance Rates

Average insurance prices for a Dodge Ram 2500 are $1,186 every 12 months including full coverage. Comprehensive costs approximately $198 each year, collision costs $274, and liability costs around $534. Liability-only coverage costs as low as $588 a year, with high-risk coverage costing around $2,556. Teens 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, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and Ram 2500 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

These examples highlight why all drivers should compare prices using their specific location and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Details

The chart below breaks down estimated Dodge Ram 2500 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $715
• Using higher $1,000 deductibles will save $108 every year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,186
• Selecting low deductibles for physical damage coverage increases the price to $1,392
• High-risk insureds with serious driving violations could pay around $2,556 or more
• The cost to insure a 16-year-old driver can cost $4,746 or more

View Chart as Image

Car insurance rates for a Dodge Ram 2500 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Ram 2500.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $320 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged in the ballpark of $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can be from 42% to 131% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Dodge Ram 2500 insurance prices. A driver around age 40 might see rates as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,690 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison from multiple companies. Each insurance company calculates rates differently, so rate quotes can be significantly 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 Shop for the Best Cheap Dodge Ram 2500 Insurance

Saving money on insurance for a Dodge Ram 2500 requires having a good driving record, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Set aside time to compare rates at least once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

The next list is a quick review of the primary concepts that were covered above.

• You may be able to save around $130 per year simply by quoting online in advance
• Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,370 more per year to buy Dodge Ram 2500 insurance
• Increasing deductibles could save as much as $325 each year
• Drivers age 20 and younger pay the highest auto insurance rates, as much as $396 per month if the policy includes full coverage