Dodge Ram 2500 Insurance Rates

The average insurance rates for a Dodge Ram 2500 are $1,150 a year for full coverage. Comprehensive costs approximately $186 each year, collision insurance costs $250, and liability is estimated at $534. Liability-only insurance costs approximately $588 a year, and high-risk driver insurance costs around $2,474. Teenage drivers 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 are based on $500 deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all states and Ram 2500 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how location impacts auto insurance prices.

The examples above show why all drivers should get quotes using their specific location and risk profile, instead of making a decision based on average rates.

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

More Rate Details

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

• The best discount rate is $698
• Choosing higher $1,000 deductibles can save $100 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,150
• Using low deductibles for comp and collision coverage will increase the cost to $1,338
• Higher-risk drivers who are prone to accidents and violations could pay around $2,474
• Policy cost for full coverage for a 16-year-old driver can cost $4,630 each year

View Chart as Image

Auto insurance rates for a Dodge Ram 2500 also range considerably based on your risk profile, the trim level of your Ram 2500, and physical damage deductibles and liability limits.

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

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

View Chart as Image

Using high physical damage deductibles can save as much as $290 annually, whereas increasing liability limits will push rates upward. Going 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 could be paying anywhere from $1,400 to $1,900 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges from 41% to 135% more than a normal policy. 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 Affordable Dodge Ram 2500 Insurance

Finding cheaper rates on insurance for a Dodge Ram 2500 takes not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and possibly higher deductibles. Spend time shopping around every year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a brief review of the coverage data touched on above.

• Drivers can save around $130 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $300 each year
• Teens have the highest car insurance rates, costing up to $386 each month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,320 more per year for Ram 2500 insurance