Dodge Ram 2500 Insurance Rates

Estimated auto insurance rates for a Dodge Ram 2500 are $1,150 annually for full coverage. Comprehensive costs around $186 each year, collision insurance costs $250, and liability insurance is estimated at $534. A policy with only liability insurance costs approximately $588 a year, and a high-risk policy costs around $2,474. Teen drivers pay the most at up to $4,630 a year.

Average premium for full coverage: $1,150

Premium estimates for type of coverage:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Ram 2500 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than larger metro areas. The graphic below illustrates how geographic area affects auto insurance rates.

These rate differences show why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below shows average Dodge Ram 2500 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $698
• Choosing higher $1,000 deductibles can save about $100 a year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,150
• Choosing low deductibles for comp and collision coverage will cost $1,338
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,474
• An auto insurance policy with full coverage for a teen driver can be $4,630 each year

View Chart as Image

Car insurance prices for a Dodge Ram 2500 also have a wide range based on the model of your Ram 2500, your driver profile, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged as much as $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 41% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $290 each year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Dodge Ram 2500 insurance rates. A good driver about age 40 could pay as low as $760 a year in states like Idaho, Maine, and Iowa, or as much as $1,640 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Buy Cheaper Dodge Ram 2500 Insurance

Finding better rates on Dodge Ram 2500 insurance takes being safe and accident-free, having a good credit score, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates once a year by obtaining price quotes from direct carriers, and also from local independent and exclusive agents.

Below you'll find a condensed summary of the data that was presented in the illustrations above.

• Drivers can save up to $130 per year just by quoting online in advance
• Drivers who may need more liability protection will pay about $590 each year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Youthful drivers are the costliest to insure, as much as $386 per month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents pay an average of $1,320 more every year than a low-risk driver