Dodge Ram 2500 Insurance Rates

The average insurance rates for a Dodge Ram 2500 are $1,186 a year including full coverage. Comprehensive costs approximately $198, collision insurance costs $274, and liability coverage costs $534. Liability-only coverage costs as little as $588 a year, and high-risk coverage costs around $2,556. Teenage drivers cost the most to insure at up to $4,746 a year.

Average premium for full coverage: $1,186

Policy rates by type of insurance:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different Ram 2500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates how geographic area affects auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than using average rates.

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

Rates by State, City, and Model

The chart below breaks down average Dodge Ram 2500 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $715
• Drivers who choose higher $1,000 deductibles will pay $108 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,186
• Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,392
• High-risk insureds who are prone to accidents and violations could pay around $2,556
• Policy cost for full coverage for a teenage driver with full coverage can cost $4,746 a year

View Chart as Image

Insurance rates for a Dodge Ram 2500 also range considerably based on your risk profile, the model of your Ram 2500, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

Your home state makes a big difference in Dodge Ram 2500 insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,690 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $320 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance can cost around 42% to 131% more than a normal policy. View High Risk Driver Rates

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 Cheap Dodge Ram 2500 Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having a good credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to compare rates at every other renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a brief summary of the concepts that were presented in the illustrations above.

• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,370 more per year than a safer driver
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $396 each month including comprehensive and collision insurance
• You may be able to save around $130 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $325 each year
• You may be able to save around $130 per year just by shopping early and online