Dodge Ram 2500 Mega Cab SLT 2WD Insurance Rates

The average insurance rates for a Dodge Ram 2500 Mega Cab SLT 2WD are $1,596 a year with full coverage. Comprehensive costs approximately $340, collision costs $666, and liability insurance costs $410. Liability-only insurance costs as little as $486 a year, with high-risk driver insurance costing around $3,460. Teen drivers cost the most to insure at $5,906 a year or more.

Annual premium for full coverage: $1,596

Policy rates by type of insurance:

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

Price Range for Insurance for this Dodge Ram 2500 Trim Level

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates how location impacts auto insurance prices.

These price differences demonstrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Auto insurance rates for a Dodge Ram 2500 Mega Cab SLT 2WD also range considerably based on your risk profile, the actual cash value of your Ram 2500, and physical damage deductibles and liability limits.

An older driver with a good driving record and high deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $5,900 a year. View Rates by Age

Your home state makes a big difference in Dodge Ram 2500 Mega Cab SLT 2WD insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Vermont, Ohio, and Indiana, or as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $680 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $369 extra every 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 anywhere from $1,900 to $2,600 in extra premium every year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 133% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which company is cheapest is to compare rates from as many companies as possible. Every company uses a different rate calculation, and quoted rates will be varied from one company to the next.

View Chart as Image

The chart above shows Dodge Ram 2500 Mega Cab SLT 2WD insurance rates for different risk profiles and scenarios. The lowest rate with discounts is $912. Drivers who choose higher $1,000 deductibles will pay around $1,368. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,596. Using more expensive $100 deductibles for comp and collision coverage can cost as much as $2,042. High risk drivers could be charged around $3,460. The price for full coverage insurance for a teenager is $5,906.

View Chart as Image