Dodge Ram 2500 Insurance Rates

The average insurance rates for a Dodge Ram 2500 are $1,186 a year for full coverage. Comprehensive insurance costs around $198, collision insurance costs $274, and liability costs around $534. A liability-only policy costs as low as $588 a year, and high-risk insurance costs $2,556 or more. Teens cost the most to insure at up to $4,746 a year.

Average premium for full coverage: $1,186

Policy rates for type of insurance:

Includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different Ram 2500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates how location helps determine auto insurance rates.

The examples above show why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of using averaged prices.

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

Additional Rate Details

The chart below shows average Dodge Ram 2500 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $715
• Using higher $1,000 deductibles will save about $108 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,186
• Selecting more expensive low deductibles for physical damage coverage will cost an extra $206 every year
• Drivers with serious driving violations could pay at least $2,556
• Policy cost for full coverage for a teen driver with full coverage can be $4,746 or more

View Chart as Image

Car insurance rates for a Dodge Ram 2500 also range considerably based on your risk profile, the trim level of your Ram 2500, and deductibles and policy limits.

An older driver with no driving violations and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $4,700 a year. View Rates by Age

Your home state has a huge impact on Dodge Ram 2500 insurance prices. A driver around age 40 might see rates as low as $780 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,690 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $320 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance can be as much as 42% to 131% more than the average 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 the Cheapest Dodge Ram 2500 Insurance

Finding cheaper rates on car insurance requires being a good driver, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates at least every other year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a recap of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers that have major violations or accidents may be required to pay an average of $1,370 more every year than a safer driver
• Drivers can save up to $130 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $325 each year
• Policyholders who may need an increased level of liability coverage will pay approximately $590 each year to increase from a 30/60 limit to 250/500 limits