Dodge Ram 2500 Insurance Rates

The average insurance prices for a Dodge Ram 2500 are $1,150 every 12 months for full coverage insurance. Comprehensive insurance costs on average $186 each year, collision insurance costs $250, and liability coverage is $534. Buying just liability costs around $588 a year, and insurance for high-risk drivers costs $2,474 or more. Teenage drivers cost the most to insure at up to $4,630 a year.

Average premium for full coverage: $1,150

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Ram 2500 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. Rural areas are shown to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The examples above illustrate why all drivers should compare rates quotes based on a specific location and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

The chart below illustrates average Dodge Ram 2500 insurance rates for different risk profiles and scenarios.

• The best discount rate is $698
• Raising to $1,000 deductibles will save around $100 each year
• The average price for a good driver age 40 with $500 deductibles is $1,150
• Using low deductibles costs an extra $188 each year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,474
• Policy cost to insure a teenage driver may cost $4,630

View Chart as Image

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

Using high physical damage deductibles can reduce rates by up to $290 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 41% to 135% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Dodge Ram 2500 insurance rates. A middle-age driver might find rates 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

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 Low Cost Dodge Ram 2500 Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having good credit, being claim-free, and determing if full coverage is necessary. Set aside time to compare rates every couple of years by getting rate quotes from direct insurance companies, and also from several local insurance agents.

The list below is a review of the material that was covered above.

• Consumers who require higher liability limits will pay an extra $590 annually to raise from a 30/60 limit to a 250/500 level
• Teenagers pay the highest rates, possibly costing $386 each month if they have full coverage
• Drivers who have several accidents or serious violations pay on average $1,320 more each year for car insurance
• Increasing comprehensive and collision deductibles could save as much as $300 each year