Dodge Ram 2500 Insurance Rates

Average insurance prices for a Dodge Ram 2500 are $1,186 every 12 months for full coverage. Comprehensive costs an estimated $198, collision insurance costs $274, and liability coverage costs around $534. Liability-only coverage costs as low as $588 a year, and high-risk coverage costs around $2,556. Teenage drivers receive the highest rates at up to $4,746 a year.

Average premium for full coverage: $1,186

Rate estimates broken down by individual coverage type:

Price estimates include $500 deductible amounts, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for all Ram 2500 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on insurance rates. More rural locations tend to have more infrequent accident claims than densely populated cities. The example below illustrates how geographic area affects insurance prices.

These examples show why everyone should compare prices for a targeted area and their own driving history, rather than using average rates.

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

Additional Rate Analysis

The chart below shows average Dodge Ram 2500 insurance rates for other coverage scenarios.

• The best discount rate is $715
• Using higher $1,000 deductibles will save approximately $108 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,186
• Using pricier low deductibles for physical damage coverage increases the price to $1,392
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,556
• The cost to insure a teenage driver for full coverage can cost as much as $4,746 or more

View Chart as Image

Car insurance rates for a Dodge Ram 2500 can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $320 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost 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 may only pay around $1,100 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,400 to $2,000 extra per year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers can be around 42% to 131% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Dodge Ram 2500 insurance rates. A driver around age 40 might see rates as low as $780 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,690 on average in New York, Louisiana, and Michigan.

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 Shop for Cheaper Dodge Ram 2500 Insurance

Saving money on auto insurance requires having a good driving record, maintaining a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Invest the time to compare rates every time your policy renews by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a condensed summary of the information presented in the illustrations above.

• Drivers can save approximately $130 per year just by quoting online well ahead of the renewal date
• Drivers age 20 and younger have the highest car insurance rates, costing as high as $396 per month if the policy includes full coverage
• Increasing deductibles could save as much as $325 each year
• Drivers with multiple at-fault accidents pay on average $1,370 more annually to buy Dodge Ram 2500 insurance
• Consumers who want increased levels of liability coverage will pay an extra $590 each year to increase from a minimum limit to a 250/500 level