Dodge Ram 2500 Insurance Rates

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

Average premium for full coverage: $1,186

Price estimates for individual coverage:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Ram 2500 models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than larger metro areas.

The graphic below illustrates how geographic area affects auto insurance rates.

The ranges above illustrate why all drivers should compare prices for a specific zip code, rather than relying on price averages.

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 choices and driver risks.

• The lowest rate with discounts is $715
• Using higher $1,000 deductibles will save about $108 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,186
• Choosing low deductibles for physical damage coverage bumps up the cost to $1,392
• Drivers with multiple violations and an at-fault accident could pay at least $2,556 or more
• The price that insures a teen driver can be $4,746 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you are probably paying at least $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 131% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,700 a year. View Rates by Age

The state you live in 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 Vermont, Wisconsin, and North Carolina, or as much as $1,600 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut prices by as much as $320 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, so the prices may be quite 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 Find the Right Dodge Ram 2500 Insurance

Getting lower rates on Dodge Ram 2500 insurance requires being a good driver, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Shop around at least every other year by quoting rates from direct insurance companies, and also from insurance agencies where you live.

The following list is a quick rundown of the car insurance concepts presented in the illustrations above.

• High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,370 more every year than a safer driver
• It is possible to save up to $130 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $325 each year
• Drivers who may need an increased level of liability coverage will pay about $590 annually to increase from a low limit to the 250/500 level