Dodge Ram 2500 Insurance Rates

Estimated auto insurance rates for a Dodge Ram 2500 are $1,186 annually for full coverage. Comprehensive insurance costs an estimated $198, collision costs $274, and liability coverage is $534. Liability-only insurance costs around $588 a year, with high-risk driver insurance costing $2,556 or more. Teens pay the most at $4,746 a year or more.

Average premium for full coverage: $1,186

Premium estimates broken down by type of coverage:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and for all Ram 2500 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. More rural locations are statistically proven to have fewer accident claims than cities with more traffic congestion.

The example below illustrates how location helps determine insurance prices.

These rate differences show why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $715
• Raising to $1,000 deductibles will save approximately $108 a year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,186
• Selecting pricier low deductibles costs an additional $206 each year
• Unlucky drivers with serious driving violations could pay up to $2,556 or more
• An auto insurance policy with full coverage for a teenage driver for full coverage can cost as much as $4,746

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Insurance prices for a Dodge Ram 2500 also have a wide range based on the model of your Ram 2500, your driver profile, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,400 to $2,000 additional annually, depending on your age. Dodge Ram 2500 insurance for high-risk drivers is expensive and can cost around 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 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $480 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Dodge Ram 2500 insurance rates. A middle-age driver might find prices as low as $780 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,690 on average in New York, Louisiana, and Michigan.

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With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices and see how they stack up. Every auto insurance company calculates prices differently, and prices will be substantially 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

Finding better rates on auto insurance consists of being safe and accident-free, having good credit, not filing small claims, and maximizing policy discounts. Invest time comparing rates every time your policy renews by requesting quotes from direct carriers, and also from local exclusive and independent agents.

Below you'll find a recap of the information covered in the charts and tables above.

• Drivers can save approximately $130 per year simply by quoting online well ahead of the renewal date
• Youthful drivers are expensive to insure, as much as $396 per month if they have full coverage
• Increasing policy deductibles could save up to $325 each year
• Drivers that have major violations or accidents may pay on average $1,370 more annually than a low-risk driver
• Consumers who want more liability protection will pay approximately $590 each year to raise from 30/60 bodily injury limits to higher 250/500 limits