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2010 Dodge Ram Pickup 2500 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 19, 2020

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Average insurance rates for a 2010 Dodge Ram 2500 are $1,262 a year for full coverage. Comprehensive insurance costs around $218 each year, collision costs $330, and liability costs $534. Buying a liability-only policy costs as little as $588 a year, with high-risk insurance costing $2,728 or more. Teenage drivers receive the highest rates at $4,996 a year or more.

Annual premium for full coverage: $1,262

Rate estimates for 2010 Dodge Ram 2500 Insurance

Comprehensive $218
Collision $330
Liability $534

Rate data is compiled from all 50 U.S. states and averaged for all 2010 Dodge Ram 2500 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $588 for only liability insurance to a high rate of $2,728 for high-risk insurance.

Liability Only $588
Full Coverage $1,262
High Risk $2,728

View Chart as Image

2010 Dodge Ram 2500 insurance rates compared
Column chart showing 2010 Dodge Ram 2500 insurance prices range from $753 to $4,996 for full coverage

These differences show why all drivers should compare rates for a specific zip code and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2010 Dodge Ram 2500 Insurance

Searching Companies

Have you had enough of scraping the payment together to insure your Dodge every month? You’re in the same situation as many other consumers. Drivers have so many insurers to purchase coverage from, and although it’s a good thing to have multiple companies, too many choices makes it more difficult to compare rates and find the lowest cost insurance.

The quickest method we recommend to compare car insurance rates is to know the fact all the major auto insurance companies have advanced systems to provide you with a free rate quote. The only thing you need to do is give them some information like how much coverage you want, if you are currently licensed, how old drivers are, and how much you drive. The data is then submitted to multiple different insurance companies and they provide comparison quotes instantly to find the best rate.

Be sure to get all your discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available to help bring down the price. Some trigger automatically when you get a quote, but a few must be manually applied prior to receiving the credit. If you’re not getting every credit available, you are throwing money away.

  • Early Signing – A few companies offer discounts for switching to them prior to your current policy expiration. This can save 10% or more.
  • Club Memberships – Affiliation with a civic or occupational organization could trigger savings on your policy on Ram pickup coverage.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Homeowners Savings – Owning a home can help you save on auto insurance because owning a home shows financial diligence.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.

Drivers should understand that most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, companies don’t profit that way. But any discount will cut your premiums.

Car insurance companies who might offer these money-saving discounts are:

Before buying, ask all companies you are considering which discounts you may be entitled to. Savings may not apply everywhere.

Dodge Ram Pickup 2500 insurance rates are influenced by…

An important part of buying insurance is that you know the different types of things that play a part in calculating the price you pay for car insurance. Understanding what controls the rates you pay helps enable you to make changes that could result in much lower annual insurance costs.

  • Do you have a high stress job? – Did you know your occupation can influence how much you pay for car insurance? Careers like real estate brokers, business owners and financial analysts tend to pay higher average rates attributed to job stress and lengthy work days. Conversely, jobs such as scientists, engineers and homemakers have the lowest average rates on Ram pickup coverage.
  • Careful drivers pay lower rates – Good drivers receive lower rates than bad drivers. Even a single citation can increase rates by as much as thirty percent. Drivers who have serious citations like DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
  • What are your deductibles? – The deductibles represent how much money you are willing to pay if you file a covered claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of claims that would be covered would be colliding with a building, collision with an animal, or theft. The more the insured has to pay upfront, the less your company will charge you for insurance on Ram pickup coverage.
  • Older drivers save more – Youthful drivers have a tendency to be careless and easily distracted in a vehicle so they pay higher car insurance rates. Mature drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers.
  • Don’t get talked into coverage you don’t need – There are many add-on coverages that you can get tricked into buying when buying car insurance. Insurance for rental car reimbursement, accidental death and motor club memberships are examples of these. These may sound like a good investment initially, but if you don’t need them eliminate the coverages to reduce your premium.
  • Where you live can impact rates – Living in a rural area can be a good thing when insuring your vehicles. Drivers who live in large cities have to deal with much more traffic and longer commute times. Lower population means fewer accidents as well as less vandalism and auto theft.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage, there really is no “best” method to buy coverage. Each situation is unique so this has to be addressed. Here are some questions about coverages that can aid in determining if you will benefit from professional help.

  • Can my teen drive my company car?
  • Should I sign the liability waiver when renting a car?
  • What is high-risk coverage and where do I buy it?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered if I drive in a foreign country?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my ex-spouse still covered by my policy?
  • Does my 2010 Dodge Ram Pickup 2500 need full coverage?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Can switching companies really save?

Consumers can’t get away from ads for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. They all seem to make the same claim that you’ll save big if you move your policy.

How does each company claim to save you money?

All companies can use profiling for the right customer that makes them money. For example, a desirable insured might be profiled as over the age of 40, a clean driving record, and has excellent credit. A driver who fits that profile gets the lowest rates and most likely will pay quite a bit less when switching companies.

Potential customers who don’t measure up to the “perfect” profile must pay a higher premium and ends up with the driver buying from a lower-cost company. The ads state “customers who switch” not “everyone that quotes” save that kind of money. This is how companies can make the claims of big savings.

This illustrates why it’s extremely important to compare as many rates as you can. You cannot predict the company that will have the lowest Dodge Ram Pickup 2500 insurance rates.

Coverages available on your insurance policy

Knowing the specifics of a insurance policy helps when choosing the right coverages for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average insurance policy.

Auto collision coverage

This will pay to fix damage to your Ram Pickup 2500 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from getting keyed and fire damage. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like dental work, doctor visits and surgery. They are often used to fill the gap from your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability coverages

Liability insurance protects you from injuries or damage you cause to people or other property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as court costs, loss of income and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

A fool and his money are soon parted

As you restructure your insurance plan, you should never reduce needed coverages to save money. There have been many cases where drivers have reduced collision coverage and discovered at claim time that the savings was not a smart move. Your focus should be to buy the best coverage you can find at the best price while still protecting your assets.

In this article, we presented some good ideas how to lower your 2010 Dodge Ram Pickup 2500 insurance rates. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced insurance coverage comes from the least-expected company. Regional companies may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.

Additional insurance coverage information is available at the links below

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2010 Dodge Ram 2500 Insurance Rates by City
City Premium
New York City, NY $1,995
Los Angeles, CA $2,160
Philadelphia, PA $1,686
Jacksonville, FL $1,835
Phoenix, AZ $1,470
Chicago, IL $1,692
Houston, TX $1,979
Seattle, WA $1,227
Columbus, OH $1,053
Indianapolis, IN $1,078

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2010 Dodge Ram 2500 Insurance Rates by Driver Age
Driver Age Premium
16 $4,996
20 $2,900
30 $1,294
40 $1,262
50 $1,160
60 $1,136

Full coverage, $500 deductibles

Rates by Deductible

2010 Dodge Ram 2500 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,504
$250 $1,394
$500 $1,262
$1,000 $1,138

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram 2500 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,262
50/100 $1,369
100/300 $1,502
250/500 $1,849
100 CSL $1,422
300 CSL $1,716
500 CSL $1,930

Full coverage, driver age 40

Rates for High Risk Drivers

2010 Dodge Ram 2500 Insurance Rates for High Risk Drivers
Age Premium
16 $7,068
20 $4,622
30 $2,760
40 $2,728
50 $2,608
60 $2,580

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $172

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $65
Multi-vehicle $68
Homeowner $22
5-yr Accident Free $81
5-yr Claim Free $80
Paid in Full/EFT $49
Advance Quote $57
Online Quote $87
Total Discounts $509
Rate after discounts $753

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2010 Dodge Ram 2500 Insurance Rates by State
State Premium
Alabama $1,142
Alaska $970
Arizona $1,050
Arkansas $1,262
California $1,440
Colorado $1,204
Connecticut $1,298
Delaware $1,430
Florida $1,582
Georgia $1,168
Hawaii $908
Idaho $856
Illinois $940
Indiana $954
Iowa $854
Kansas $1,200
Kentucky $1,724
Louisiana $1,872
Maine $780
Maryland $1,042
Massachusetts $1,008
Michigan $2,192
Minnesota $1,058
Mississippi $1,514
Missouri $1,120
Montana $1,358
Nebraska $996
Nevada $1,516
New Hampshire $912
New Jersey $1,414
New Mexico $1,118
New York $1,330
North Carolina $728
North Dakota $1,036
Ohio $870
Oklahoma $1,296
Oregon $1,158
Pennsylvania $1,204
Rhode Island $1,684
South Carolina $1,146
South Dakota $1,068
Tennessee $1,106
Texas $1,522
Utah $934
Vermont $866
Virginia $756
Washington $974
West Virginia $1,158
Wisconsin $874
Wyoming $1,124

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