Dodge Ram 2500 Insurance Rates

U.S. average insurance rates for a Dodge Ram 2500 are $1,150 a year for full coverage insurance. Comprehensive costs an estimated $186 each year, collision costs $250, and liability coverage is $534. Liability-only insurance costs around $588 a year, with high-risk driver insurance costing around $2,474. Teens pay the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Price estimates broken down by individual coverage:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Ram 2500 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations have lower incidents of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects insurance prices.

The ranges above illustrate why all drivers should compare rates quotes for a targeted area, 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 other coverage scenarios.

• The cheapest rate after discounts is $698
• Raising to $1,000 deductibles will save approximately $100 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,150
• Selecting low deductibles bumps up the cost to $1,338
• Unlucky drivers with serious driving violations could pay up to $2,474 or more
• The price that insures a teenage driver can cost as much as $4,630

View Chart as Image

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

If you have some driving violations or you caused an accident, you are probably paying $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 41% to 135% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $4,600 a year. View Rates by Age

The state you live in also has a big influence on Dodge Ram 2500 insurance rates. A middle-age driver might find prices as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,550 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $290 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection 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

Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company calculates prices differently, so rate quotes may be quite 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 Find More Affordable Dodge Ram 2500 Insurance

Getting lower rates on auto insurance consists of avoiding accidents and claims, having a positive credit history, not filing small claims, and not having any coverage lapses. Compare rates at every other renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The points below are a summary of the concepts that were presented in the illustrations above.

• Drivers who have multiple accidents or major violations may have to pay on average $1,320 more annually to insure a Dodge Ram 2500
• Drivers under the age of 20 have the highest car insurance prices, as much as $386 a month if full coverage is purchased
• It is possible to save approximately $130 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $300 each year
• It is possible to save approximately $130 per year simply by quoting online in advance