Dodge Ram 2500 Insurance Rates

The average insurance rates for a Dodge Ram 2500 are $1,150 a year for full coverage insurance. Comprehensive costs around $186 each year, collision costs $250, and liability coverage costs around $534. Liability-only insurance costs as low as $588 a year, with high-risk driver insurance costing around $2,474. Teens cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,150

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Ram 2500 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine auto insurance rates.

The examples above illustrate why all drivers should compare prices for a specific zip code and risk profile, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $698
• Using higher $1,000 deductibles will save about $100 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,150
• Selecting low deductibles for physical damage coverage will increase the cost to $1,338
• Higher-risk drivers with serious driving violations could pay at least $2,474 or more
• Policy cost for full coverage for a teenage driver can be $4,630 or more

View Chart as Image

Auto insurance rates for a Dodge Ram 2500 also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age

Your home state has a huge impact on Dodge Ram 2500 insurance rates. A driver around age 40 might see rates as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,550 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $290 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $480 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 are probably paying at least $1,400 to $1,900 in extra premium every year, depending on your age. Insurance for high-risk drivers can be around 41% to 135% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company calculates rates differently, and quoted rates will be varied from one company to the next.

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 Find Affordable Dodge Ram 2500 Insurance

Finding cheaper rates on auto insurance requires being a good driver, having good credit, being claim-free, and maximizing policy discounts. Invest time comparing rates every time your policy renews by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a brief review of the information covered in the charts and tables above.

• It is possible to save up to $130 per year simply by quoting online in advance
• Drivers age 16 to 20 are expensive to insure, possibly costing $386 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $300 each year
• Drivers with DUI or reckless driving convictions may pay on average $1,320 more every year than a safer driver
• Consumers who may need an increased level of liability coverage will pay approximately $590 annually to increase from a 30/60 limit to 250/500 limits