Dodge Ram 2500 Insurance Rates

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

Average premium for full coverage: $1,186

Premium estimates by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Ram 2500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have fewer accident claims than larger metro areas.

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

These rate differences show why it is important to compare prices based on a specific location and their own personal driving habits, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $715
• Using higher $1,000 deductibles will save around $1,078 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,186
• Choosing low $100 deductibles for physical damage coverage will cost $1,392
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,556 or more
• An auto insurance policy with full coverage for a teenage driver may cost $4,746 or more

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, 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 a few violations or you caused a few accidents, you could be paying at a minimum $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can be around 42% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $320 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $480 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Dodge Ram 2500 insurance rates. A driver around age 40 might see prices as low as $780 a year in states like Idaho, Maine, and Iowa, or as much as $1,690 on average in Michigan, Louisiana, and New York.

View Chart as Image

With such a large range in prices, the only way to know exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so the 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 Cheaper Dodge Ram 2500 Insurance

Finding better rates on auto insurance requires having a decent driving record, having a good credit history, not filing small claims, and bundling your home and auto policies. Invest the time to shop around at every policy renewal by getting price quotes from direct carriers, and also from local insurance agents.

The following items are a condensed summary of the data illustrated above.

• Consumers who require additional liability coverage will pay about $590 each year to increase from 30/60 bodily injury limits to higher 250/500 limits
• Drivers can save as much as $130 per year simply by quoting early and online
• Increasing policy deductibles could save up to $325 each year
• 16 to 18-year-old drivers pay the highest prices, as much as $396 per month including comprehensive and collision insurance