Dodge Ram 2500 Insurance Rates

U.S. average insurance prices for a Dodge Ram 2500 are $1,150 every 12 months including full coverage. Comprehensive insurance costs on average $186, collision costs $250, and liability insurance is $534. Liability-only insurance costs around $588 a year, with high-risk driver insurance costing $2,474 or more. Teen drivers pay the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Price estimates by individual coverage:

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for all Ram 2500 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than larger metro areas.

The example below illustrates the difference location can make on car insurance rates.

The ranges above highlight why everyone should compare rates quotes based on a specific location and their own driving history, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $698
• Raising to $1,000 deductibles will save around $100 every year
• The average price for the average middle-age driver with $500 deductibles is $1,150
• Choosing pricier low deductibles costs an extra $188 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,474 or more
• The price to insure a teen driver for full coverage may cost $4,630

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Car insurance prices for a Dodge Ram 2500 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your Ram 2500.

Choosing high deductibles can reduce prices by up to $290 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,400 to $1,900 extra each year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers is expensive and can cost anywhere from 41% to 135% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Dodge Ram 2500 insurance rates. A middle-age driver might find prices as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,640 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes 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 Shop for the Cheapest Dodge Ram 2500 Insurance

Getting lower rates on Dodge Ram 2500 insurance consists of avoiding accidents and claims, maintaining a good credit score, being claim-free, and maximizing policy discounts. Make time to compare rates every other policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a recap of the ideas that were touched on in this article.

• Drivers under the age of 20 are expensive to insure, possibly costing $386 a month if the policy includes full coverage
• High-risk drivers that have major violations or accidents may pay on average $1,320 more each year to insure a Dodge Ram 2500
• Increasing physical damage deductibles could save as much as $300 each year
• You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date