Dodge Ram 2500 Insurance Rates

Average auto insurance rates for a Dodge Ram 2500 are $1,150 annually for full coverage insurance. Comprehensive insurance costs approximately $186, collision costs $250, and liability coverage costs $534. Liability-only coverage costs as little as $588 a year, with high-risk coverage costing $2,474 or more. Teenage drivers receive the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Rate estimates by individual coverage type:

Prices are based on $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all Ram 2500 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations tend to have fewer physical damage claims than densely populated cities.

The example below illustrates how geographic area affects auto insurance prices.

These examples illustrate why everyone should compare rates using their specific location and their own personal driving habits, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $698
• Drivers who choose higher $1,000 deductibles will pay $100 each year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,150
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $188 each year
• High-risk insureds who are prone to accidents and violations could pay around $2,474 or more
• The cost with full coverage for a teenage driver for full coverage can cost $4,630 a year

View Chart as Image

Car insurance rates for a Dodge Ram 2500 can also vary considerably based on the trim level of your Ram 2500, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,400 to $1,900 extra per year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers can cost around 41% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $290 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Dodge Ram 2500 insurance rates. A 40-year-old driver could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,550 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, so rate quotes can be significantly 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 Affordable Dodge Ram 2500 Insurance

Saving money on auto insurance not only requires having a good driving record, but also having a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Invest the time to compare rates at every policy renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The next list is a brief review of the data presented in the illustrations above.

• Consumers who purchase increased levels of liability coverage will pay an extra $590 annually to go from a minimum limit to higher 250/500 limits
• It is possible to save around $130 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $300 each year
• Drivers age 20 and younger pay the highest auto insurance rates, costing up to $386 per month if comprehensive and collision insurance is included