Dodge Ram 2500 Crew Cab ST 4WD Insurance Rates

Average insurance rates for a Dodge Ram 2500 Crew Cab ST 4WD are $1,530 a year including full coverage. Comprehensive costs around $368, collision insurance costs $572, and liability costs $410. Only liability insurance costs as little as $486 a year, and high-risk insurance costs around $3,274. Teen drivers receive the highest rates at up to $5,578 a year.

Annual premium for full coverage: $1,530

Rate estimates for type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Dodge Ram 2500 Trim Level

Price Range by Location

Your location can have significant affects on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The example below illustrates how geographic area affects auto insurance rates.

These differences highlight why everyone should compare rates for a specific zip code and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Insurance rates for a Dodge Ram 2500 Crew Cab ST 4WD can also vary considerably based on your driver profile, the replacement cost of your Ram 2500, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $5,500 a year. View Rates by Age

Where you live makes a big difference in Dodge Ram 2500 Crew Cab ST 4WD insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like , Indiana, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $630 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $369 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,800 to $2,400 extra per year, depending on your age. Dodge Ram 2500 Crew Cab ST 4WD insurance for high-risk drivers can cost as much as 43% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out your exact price is to regularly compare rates and see which company has the best rate. Every company uses a different rate calculation, so the rates can be significantly different from one company to the next.

View Chart as Image

The chart above shows average Dodge Ram 2500 Crew Cab ST 4WD insurance rates for various risk profiles and scenarios. The best rate after discounts is $892. Drivers who choose higher $1,000 deductibles will pay around $1,316. The average rate for a driver age 40 with no violations using $500 deductibles is $1,530. Selecting more expensive $100 deductibles for collision and other-than-collision coverage can cost as much as $1,940. High risk drivers could be charged as much as $3,274. The rate for full coverage insurance for a 16-year-old driver is $5,578.

View Chart as Image