Dodge Ram 2500 Insurance Rates

U.S. average insurance rates for a Dodge Ram 2500 are $1,150 a year including full coverage. Comprehensive costs an estimated $186, collision insurance costs $250, and liability coverage is estimated at $534. Liability-only insurance costs approximately $588 a year, and high-risk driver insurance costs around $2,474. Teen drivers pay the highest rates at up to $4,630 a year.

Average premium for full coverage: $1,150

Price estimates broken down by individual coverage:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Ram 2500 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than larger metro areas. The example below illustrates how rural and urban location affects insurance prices.

The ranges above highlight why everyone should get quotes for a targeted area and risk profile, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $698
• Choosing higher $1,000 deductibles can save approximately $100 every year
• The average rate for the average middle-age driver who has $500 deductibles is $1,150
• Choosing pricier low deductibles for comp and collision coverage will increase the cost to $1,338
• Drivers with multiple violations and an at-fault accident could pay up to $2,474
• The price for full coverage for a teenage driver for full coverage can cost as much as $4,630 each year

View Chart as Image

Car insurance prices for a Dodge Ram 2500 are also quite variable based on your driving record, the model of your Ram 2500, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may only pay around $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged at least $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Dodge Ram 2500 insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,640 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $290 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,400 to $1,900 extra each year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers ranges around 41% to 135% more than average. View High Risk Driver Rates

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 the Cheapest Dodge Ram 2500 Insurance

Getting lower rates on auto insurance takes having a decent driving record, having above-average credit, being claim-free, and possibly higher deductibles. Set aside time to shop around once a year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following items are a recap of the data that was raised in the charts and tables above.

• You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
• Consumers who want additional liability coverage will pay about $590 per year to raise limits from a low limit to 250/500 limits
• 16 to 18-year-old drivers have the highest car insurance prices, possibly costing $386 a month if full coverage is included
• Drivers that have major violations or accidents may pay on average $1,320 more annually than a driver with a clean driving record