Dodge Ram 2500 Insurance Rates

The average insurance rates for a Dodge Ram 2500 are $1,150 a year with full coverage. Comprehensive insurance costs an estimated $186, collision costs $250, and liability insurance is estimated at $534. Buying just liability costs approximately $588 a year, with insurance for high-risk drivers costing $2,474 or more. Teens cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,150

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Ram 2500 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why everyone should get quotes for a targeted area and risk profile, rather than relying on averaged prices.

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

Additional Charts and Tables

The chart below details estimated Dodge Ram 2500 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $698
• Choosing higher $1,000 deductibles can save approximately $100 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,150
• Selecting pricier low deductibles for comp and collision coverage will cost an extra $188 a year
• High-risk insureds with serious driving violations could pay up to $2,474 or more
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $4,630 each year

View Chart as Image

Insurance rates for a Dodge Ram 2500 also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Dodge Ram 2500 insurance rates. A good driver about age 40 could pay as low as $830 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,550 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $290 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,400 to $1,900 extra every year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers ranges anywhere from 41% to 135% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Each auto insurer calculates rates differently, so the rates will be varied from one company to the next.

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 Cheaper Dodge Ram 2500 Insurance

Finding cheaper rates on Dodge Ram 2500 insurance takes being a good driver, maintaining good credit, not filing small claims, and taking advantage of discounts. Set aside time to shop around every couple of years by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a condensed summary of the material that was raised in the charts and tables above.

• Drivers who want an increased level of liability coverage will pay approximately $590 every year to raise limits from a 30/60 limit to 250/500 limits
• Drivers age 16 to 20 are charged the highest rates, as much as $386 each month for full coverage
• High-risk drivers with multiple at-fault accidents may pay on average $1,320 more annually than a safer driver
• Increasing comprehensive and collision deductibles can save around $300 each year