Dodge Ram 2500 Crew Cab ST 2WD Insurance Rates

Estimated auto insurance rates for a Dodge Ram 2500 Crew Cab ST 2WD are $1,550 annually for full coverage insurance. Comprehensive costs an estimated $326 each year, collision insurance costs $634, and liability costs $410. A policy with only liability insurance costs as little as $486 a year, and a high-risk policy costs around $3,360. Teenage drivers pay the most at up to $5,760 a year.

Annual premium for full coverage: $1,550

Premium estimates broken down by individual 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

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than densely populated cities. The graphic below illustrates how rural and urban location affects insurance prices.

These rate differences illustrate why all drivers should compare rates for a targeted area and their own personal driving habits, instead of using average rates.

Use the form below to get rates for your location.

Car insurance rates for a Dodge Ram 2500 Crew Cab ST 2WD also have a wide range based on the replacement cost of your Ram 2500, your risk profile, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $5,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,800 to $2,500 extra annually, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $650 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $369 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Dodge Ram 2500 Crew Cab ST 2WD insurance prices. 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.

With such a large range of prices, the only way to figure out who has the best car insurance prices is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, so rate quotes will be substantially different between companies.

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The chart estimates Dodge Ram 2500 Crew Cab ST 2WD insurance prices for various situations. The best price after discounts is $888. Drivers who use higher $1,000 deductibles will pay about $1,334. The average price for a driver around age 40 using $500 deductibles is $1,550. Using lower $100 deductibles for physical damage coverage can cost as much as $1,978. Drivers with multiple violations and accidents could be charged up to $3,360. The policy rate for full coverage insurance for a teenage driver is $5,760.

View Chart as Image