Dodge Ram 2500 Insurance Rates

Estimated insurance prices for a Dodge Ram 2500 are $1,150 every 12 months with full coverage. Comprehensive costs an estimated $186 a year, collision insurance costs $250, and liability insurance is $534. Liability-only coverage costs around $588 a year, and high-risk coverage costs around $2,474. Teens pay the most at up to $4,630 a year.

Average premium for full coverage: $1,150

Premium estimates broken down by type of coverage:

Prices are based on $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and Ram 2500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects insurance prices.

These rate differences demonstrate why it is important to compare rates quotes for a targeted area and their own driving history, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below details average Dodge Ram 2500 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $698
• Raising to $1,000 deductibles will save approximately $1,050 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $1,150
• Selecting low $100 deductibles increases the price to $1,338
• Higher-risk drivers with serious driving violations could pay up to $2,474
• An auto insurance policy to insure a teen driver can cost as much as $4,630

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Insurance prices for a Dodge Ram 2500 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $290 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $480 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 41% to 135% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Dodge Ram 2500 insurance rates. A middle-age driver might find prices as low as $830 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,550 on average in New York, Michigan, and Florida.

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Insurance Rates by Trim Level and Model Year

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for Affordable Dodge Ram 2500 Insurance

Finding better rates on Dodge Ram 2500 insurance consists of not taking risks behind the wheel, having good credit, being claim-free, and deciding if full coverage is necessary. Take the time to comparison shop at least every other year by quoting rates from direct companies, and also from your local independent and exclusive agents.

The following is a brief review of the car insurance concepts touched on in the above illustrations.

• High-risk drivers with DUI or reckless driving convictions may pay on average $1,320 more annually for Ram 2500 insurance
• You may be able to save approximately $130 per year just by quoting early and online
• Increasing policy deductibles could save as much as $300 each year
• Drivers who want higher liability limits will pay approximately $590 every year to raise from 30/60 bodily injury limits to a 250/500 level