Dodge Ram 2500 Insurance Rates

The average insurance prices for a Dodge Ram 2500 are $1,150 every 12 months for full coverage. Comprehensive insurance costs approximately $186, collision insurance costs $250, and liability coverage costs $534. Buying just liability costs as little as $588 a year, and insurance for high-risk drivers costs $2,474 or more. Teens cost the most to insure at up to $4,630 a year.

Average premium for full coverage: $1,150

Policy rates by type of insurance:

Prices include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different Ram 2500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural locations are shown to have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance prices.

The examples above show why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than using averaged prices.

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

Additional Rate Analysis

The chart below shows average Dodge Ram 2500 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $698
• Drivers who choose higher $1,000 deductibles will pay $100 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,150
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $188 each year
• High-risk insureds with serious driving violations could pay around $2,474
• Policy cost to insure a teenage driver with full coverage can cost $4,630 a year

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Insurance rates for a Dodge Ram 2500 also range considerably based on liability limits and deductibles, your driver profile, and the model of your Ram 2500.

Choosing higher comprehensive and collision insurance deductibles could save up to $290 a year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance can cost around 41% to 135% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Dodge Ram 2500 insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,640 on average in New York, Louisiana, and Michigan.

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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 the Right Dodge Ram 2500 Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at every policy renewal by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

Below you'll find a quick rundown of the data covered in the above illustrations.

• Consumers who purchase more liability protection will pay approximately $590 each year to go from a 30/60 limit to a 250/500 level
• Drivers can save around $130 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• Youthful drivers are expensive to insure, costing up to $386 each month if they have full coverage