Dodge Ram 2500 Mega Cab SLT 4WD Insurance Rates

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

The average insurance prices for a Dodge Ram 2500 Mega Cab SLT 4WD are $1,576 every 12 months for full coverage insurance. Comprehensive costs approximately $382 each year, collision insurance costs $604, and liability insurance costs $410. Liability-only insurance costs as little as $486 a year, and high-risk driver insurance costs around $3,374. Teenage drivers cost the most to insure at up to $5,724 a year.

Annual premium for full coverage: $1,576

Policy rates by individual coverage:

Comprehensive $382
Collision $604
Liability $410

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

Price Range for Insurance for this Dodge Ram 2500 Trim Level

For an average driver, Dodge Ram 2500 Mega Cab SLT 4WD insurance rates range from the cheapest price of $486 for liability-only coverage to a high rate of $3,374 for a driver required to buy high-risk insurance.

Liability Only $486
Full Coverage $1,576
High Risk $3,374

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $1,182
Small Cities $1,655
Large Cities $2,128

These price differences illustrate why all drivers should compare rates using their specific location and their own driving history, rather than relying on 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 Dodge Ram 2500 Mega Cab SLT 4WD Insurance

Searching Companies

Auto insurance rates for a Dodge Ram 2500 Mega Cab SLT 4WD also range considerably based on liability limits and deductibles, your risk profile, and the replacement cost of your Ram 2500.

Using high physical damage deductibles could save up to $660 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $369 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $5,700 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 anywhere from $1,800 to $2,500 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 128% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Dodge Ram 2500 Mega Cab SLT 4WD insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like , , and North Carolina, or be forced to pay as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates will be varied.

View Chart as Image

Dodge Ram 2500 Mega Cab SLT 4WD insurance cost comparison chart
Column chart showing Dodge Ram 2500 Mega Cab SLT 4WD insurance prices range from $916 to $5,724 for full coverage

The chart estimates Dodge Ram 2500 Mega Cab SLT 4WD insurance rates for various coverage choices and risks. The lowest rate with discounts is $916. Drivers who use higher $1,000 deductibles will pay $1,350. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,576. Using lower $100 deductibles for physical damage coverage can cost as much as $2,006. Drivers with multiple violations and accidents could be charged around $3,374. The policy rate for full coverage insurance for a teenager is $5,724.

Dodge Ram 2500 Mega Cab SLT 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,426 -$150 -9.5%
Alaska $1,206 -$370 -23.5%
Arizona $1,308 -$268 -17.0%
Arkansas $1,576 -$0 0.0%
California $1,796 $220 14.0%
Colorado $1,502 -$74 -4.7%
Connecticut $1,618 $42 2.7%
Delaware $1,782 $206 13.1%
Florida $1,972 $396 25.1%
Georgia $1,458 -$118 -7.5%
Hawaii $1,130 -$446 -28.3%
Idaho $1,066 -$510 -32.4%
Illinois $1,172 -$404 -25.6%
Indiana $1,188 -$388 -24.6%
Iowa $1,064 -$512 -32.5%
Kansas $1,494 -$82 -5.2%
Kentucky $2,148 $572 36.3%
Louisiana $2,334 $758 48.1%
Maine $974 -$602 -38.2%
Maryland $1,300 -$276 -17.5%
Massachusetts $1,258 -$318 -20.2%
Michigan $2,736 $1,160 73.6%
Minnesota $1,318 -$258 -16.4%
Mississippi $1,888 $312 19.8%
Missouri $1,398 -$178 -11.3%
Montana $1,692 $116 7.4%
Nebraska $1,244 -$332 -21.1%
Nevada $1,890 $314 19.9%
New Hampshire $1,136 -$440 -27.9%
New Jersey $1,764 $188 11.9%
New Mexico $1,394 -$182 -11.5%
New York $1,660 $84 5.3%
North Carolina $908 -$668 -42.4%
North Dakota $1,290 -$286 -18.1%
Ohio $1,088 -$488 -31.0%
Oklahoma $1,616 $40 2.5%
Oregon $1,442 -$134 -8.5%
Pennsylvania $1,502 -$74 -4.7%
Rhode Island $2,102 $526 33.4%
South Carolina $1,428 -$148 -9.4%
South Dakota $1,328 -$248 -15.7%
Tennessee $1,378 -$198 -12.6%
Texas $1,896 $320 20.3%
Utah $1,164 -$412 -26.1%
Vermont $1,078 -$498 -31.6%
Virginia $944 -$632 -40.1%
Washington $1,218 -$358 -22.7%
West Virginia $1,444 -$132 -8.4%
Wisconsin $1,090 -$486 -30.8%
Wyoming $1,404 -$172 -10.9%

View Chart as Image

Dodge Ram 2500 Mega Cab SLT 4WD insurance rates by U.S. city

Not your model?

Choose a different trim level below

Rates by Driver Age

Dodge Ram 2500 Mega Cab SLT 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $5,724
20 $3,588
30 $1,648
40 $1,576
50 $1,436
60 $1,406

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram 2500 Mega Cab SLT 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,006
$250 $1,808
$500 $1,576
$1,000 $1,350

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram 2500 Mega Cab SLT 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,576
50/100 $1,658
100/300 $1,761
250/500 $2,027
100 CSL $1,699
300 CSL $1,925
500 CSL $2,089

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram 2500 Mega Cab SLT 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $8,168
20 $5,690
30 $3,456
40 $3,374
50 $3,212
60 $3,182

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 $212

Potential Rate Discounts

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

Discount Savings
Multi-policy $84
Multi-vehicle $79
Homeowner $22
5-yr Accident Free $115
5-yr Claim Free $100
Paid in Full/EFT $72
Advance Quote $76
Online Quote $112
Total Discounts $660
Rate after discounts $916

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption