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 around $186, collision costs $250, and liability coverage costs around $534. A liability-only policy costs as low as $588 a year, with high-risk insurance costing $2,474 or more. Teenage drivers receive the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Rate estimates for individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than densely populated cities.

The example below illustrates how rural and urban location affects auto insurance rates.

These examples illustrate why everyone should compare prices for a specific zip code and their own driving history, rather than using average rates.

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

Rates by State, City, and Model

The chart below illustrates estimated Dodge Ram 2500 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $698
• Using higher $1,000 deductibles will save about $100 each year
• The average price for a 40-year-old driver using $500 deductibles is $1,150
• Using pricier low deductibles for physical damage coverage costs an extra $188 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,474 or more
• The cost to insure a teenage driver for full coverage can be $4,630 or more

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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 and model year.

Using high physical damage deductibles could cut rates by as much as $290 a year, whereas buying more liability protection will increase rates. 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 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay as much as $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 least $1,400 to $1,900 extra per year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers can be around 41% to 135% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Dodge Ram 2500 insurance rates. A driver around age 40 might see rates as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,550 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out your exact price is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, 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 the Best Dodge Ram 2500 Insurance

Saving money on auto insurance requires having a decent driving record, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around at every policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

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

• Consumers who may need additional liability coverage will pay an extra $590 annually to increase from a minimum limit to a 250/500 level
• It is possible to save up to $130 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $300 each year
• 16 to 18-year-old drivers pay higher rates, costing up to $386 per month if they have full coverage