Dodge Ram 2500 Insurance Rates

Average auto insurance rates for a Dodge Ram 2500 are $1,150 annually with full coverage. Comprehensive costs around $186, collision insurance costs $250, and liability costs around $534. Buying just liability costs as low as $588 a year, and insurance for high-risk drivers costs around $2,474. Teen drivers receive the highest rates at up to $4,630 a year.

Average premium for full coverage: $1,150

Rate estimates for individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Ram 2500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on insurance rates. Areas with sparse population tend to have fewer collision claims than larger metro areas. The price range example below illustrates how geographic area affects auto insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $698
• Using higher $1,000 deductibles will save about $100 annually
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,150
• Choosing more expensive low deductibles for physical damage coverage will cost $1,338
• Drivers with multiple violations and an at-fault accident could pay at least $2,474
• The cost with full coverage for a teen driver with full coverage can be $4,630 or more

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Auto insurance rates for a Dodge Ram 2500 can also vary considerably based on the trim level of your Ram 2500, your driving record, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,400 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance can be as much as 41% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $290 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $480 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Dodge Ram 2500 insurance prices. A driver around age 40 might see rates as low as $830 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,550 on average in Florida, Michigan, and New York.

View Chart as Image

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 Buy Affordable Dodge Ram 2500 Insurance

Saving money on car insurance requires having a decent driving record, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates at least once a year by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a brief review of the primary concepts that were presented in the illustrations above.

• You may be able to save up to $130 per year just by shopping early and online
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,320 more every year than a driver with a clean driving record
• Increasing deductibles could save up to $300 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $386 per month if full coverage is included