Dodge Ram 2500 Insurance Rates

Estimated insurance prices for a Dodge Ram 2500 are $1,150 every 12 months for full coverage insurance. Comprehensive costs around $186 a year, collision costs $250, and liability is estimated at $534. A liability-only policy costs approximately $588 a year, with high-risk insurance costing around $2,474. Teenage drivers pay the most at $4,630 a year or more.

Average premium for full coverage: $1,150

Premium estimates for type of coverage:

Includes $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and Ram 2500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences illustrate why it is important to get quotes for a specific zip code and their own driving history, instead of using average rates.

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

Additional Rate Details

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

• The best discount rate is $698
• Choosing higher $1,000 deductibles can save about $1,050 each year
• The average price for a 40-year-old good driver using $500 deductibles is $1,150
• Using low $100 deductibles for comp and collision coverage increases the price to $1,338
• Unlucky drivers who are prone to accidents and violations could pay at least $2,474 or more
• An auto insurance policy to insure a teen driver can be $4,630 each year

View Chart as Image

Auto insurance prices for a Dodge Ram 2500 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles can save as much as $290 every year, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $480 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,400 to $1,900 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges as much as 41% to 135% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Dodge Ram 2500 insurance prices. A good driver about age 40 could pay as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,550 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out your exact price is to get quotes and see which company has the best price. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially 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

Finding better rates on car insurance takes being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

Below you'll find a recap of the data covered above.

• Policyholders who may need more liability protection will pay an extra $590 annually to raise limits from 30/60 bodily injury limits to a 250/500 level
• It is possible to save up to $130 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $300 each year
• Youthful drivers are expensive to insure, with premiums being up to $386 per month if comprehensive and collision insurance is included