Dodge Ram 2500 Insurance Rates

Average auto insurance rates for a Dodge Ram 2500 are $1,150 annually for full coverage insurance. Comprehensive costs around $186, collision insurance costs $250, and liability costs around $534. A liability-only policy costs as low as $588 a year, and high-risk insurance costs around $2,474. Teens receive the highest rates at up to $4,630 a year.

Average premium for full coverage: $1,150

Rate estimates for individual coverage type:

Prices are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all Ram 2500 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than cities with more traffic congestion. The example below illustrates how location helps determine auto insurance rates.

These examples illustrate why everyone should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $698
• Using higher $1,000 deductibles will save about $100 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,150
• Selecting pricier low deductibles for physical damage coverage will cost $1,338
• High-risk insureds with serious driving violations could pay at least $2,474
• The cost with full coverage for a 16-year-old driver for full coverage can be $4,630 or more

View Chart as Image

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

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,400 to $1,900 extra per year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers can be from 41% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $290 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $480 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Dodge Ram 2500 insurance prices. A driver around age 40 might see rates as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $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 Buy Affordable Dodge Ram 2500 Insurance

Saving money on insurance for a Dodge Ram 2500 requires being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest time comparing rates at every other renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a brief review of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,320 more every year to insure their Ram 2500
• Teen drivers pay higher rates, costing up to $386 per month including comprehensive and collision insurance
• It is possible to save up to $130 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $300 each year
• It is possible to save up to $130 per year just by quoting online well ahead of the renewal date