Dodge Ram 2500 Insurance Rates

Average insurance prices for a Dodge Ram 2500 are $1,150 every 12 months for full coverage insurance. Comprehensive insurance costs on average $186, collision costs $250, and liability coverage costs $534. A liability-only policy costs as little as $588 a year, with high-risk insurance costing $2,474 or more. Teens receive the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Rate estimates by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all Ram 2500 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on insurance rates. Rural areas tend to have more infrequent physical damage claims than cities with more traffic congestion.

The example below illustrates how your location can change car insurance rates.

These examples illustrate why everyone should compare rates based on a 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 illustrates estimated Dodge Ram 2500 insurance rates for different risk profiles and scenarios.

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

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Insurance rates for a Dodge Ram 2500 can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Ram 2500.

Choosing higher comprehensive and collision insurance deductibles could save up to $290 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $480 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,400 to $1,900 extra per year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers can cost around 41% to 135% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Dodge Ram 2500 insurance rates. A 40-year-old driver could pay 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.

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With so much variability in rates, the only way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Every company calculates rates differently, so the rates can be significantly different.

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 Cheap Dodge Ram 2500 Insurance

Saving money on auto insurance not only requires avoiding accidents and violations, but also having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Invest the time to shop around at every policy renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief summary of the data illustrated above.

• Consumers who require higher liability limits will pay approximately $590 annually to go from a minimum limit to a 250/500 level
• It is possible to save as much as $130 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $300 each year
• Teenagers pay the highest rates, costing up to $386 per month if they have full coverage