Dodge Ram 2500 Insurance Rates

The average auto insurance rates for a Dodge Ram 2500 are $1,186 annually including full coverage. Comprehensive costs on average $198 a year, collision insurance costs $274, and liability coverage costs around $534. Liability-only insurance costs as low as $588 a year, and high-risk driver insurance costs around $2,556. Teen 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:

Includes $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Ram 2500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than larger metro areas. The diagram below illustrates how where you live affects car insurance rates.

The examples above highlight 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.

Detailed Rate Analysis

The chart below breaks down average 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 every year
• The estimated rate for a good driver age 40 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
• Policy cost with full coverage for a teenage driver may cost $4,746 or more

View Chart as Image

Auto insurance rates for a Dodge Ram 2500 also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,400 to $2,000 in extra premium every year, 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 rates by as much as $320 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Dodge Ram 2500 insurance rates. A driver around age 40 might see rates as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,690 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 cheaper rates on auto insurance requires being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Take the time to comparison shop at least once a year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a recap of the primary concepts that were touched on in the above illustrations.

• You may be able to save as much as $130 per year just by quoting early and online
• Drivers that have major violations or accidents pay on average $1,370 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Youthful drivers are charged the highest rates, with premiums being up to $396 each month if full coverage is included