Dodge Ram 2500 Insurance Rates

U.S. average auto insurance rates for a Dodge Ram 2500 are $1,186 annually with full coverage. Comprehensive insurance costs on average $198 a year, collision costs $274, and liability is $534. A policy with just liability insurance costs around $588 a year, with coverage for high-risk drivers costing $2,556 or more. Teens pay the highest rates at $4,746 a year or more.

Average premium for full coverage: $1,186

Price estimates by individual coverage:

Includes $500 deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and 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 auto insurance rates. Rural areas have fewer collision claims than cities with more traffic congestion.

The diagram below illustrates how your location can change car insurance rates.

The ranges above demonstrate why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $715
• Raising to $1,000 deductibles will save around $1,078 annually
• The estimated rate for the average middle-age driver with $500 deductibles is $1,186
• Selecting low $100 deductibles costs an additional $206 every year
• At-risk drivers with serious driving violations could pay upwards of $2,556 or more
• The price with full coverage for a teen driver may cost $4,746

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

Older drivers with a clean driving record and high physical damage 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 without any violations or accidents they can expect to pay upwards of $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,400 to $2,000 extra each 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 policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $320 every year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $480 more per year. View Rates by Deductible or Liability Limit

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 $860 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,600 on average in Florida, Michigan, and New York.

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Since prices can be so different, the best way to find out exactly what you will pay is to get quotes and see which company has the best price. Every auto insurance company calculates prices differently, so the prices may be quite different between companies.

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 Buy the Cheapest Dodge Ram 2500 Insurance

Getting lower rates on car insurance consists of not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and bundling your home and auto policies. Invest the time to shop around every time your policy renews by getting price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a recap of the information illustrated above.

• You may be able to save as much as $130 per year simply by quoting early and online
• Teens pay the highest prices, costing up to $396 a month including comprehensive and collision insurance
• Increasing physical damage deductibles could save up to $325 each year
• Higher risk drivers that have major violations or accidents pay an average of $1,370 more each year for Ram 2500 insurance
• Policyholders who require higher liability limits will pay approximately $590 every year to raise from a low limit to higher 250/500 limits