Dodge Ram 2500 Insurance Rates

Average auto insurance rates for a Dodge Ram 2500 are $1,186 annually with full coverage. Comprehensive insurance costs on average $198, collision costs $274, and liability is estimated at $534. Liability-only coverage costs approximately $588 a year, with high-risk coverage costing $2,556 or more. Teen drivers receive the highest rates at $4,746 a year or more.

Average premium for full coverage: $1,186

Rate estimates by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Rural areas tend to have fewer collision claims than larger metro areas.

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

These examples demonstrate why everyone should get quotes based on a specific location 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 estimated Dodge Ram 2500 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $715
• Choosing higher $1,000 deductibles can save around $108 annually
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,186
• Choosing pricier low deductibles for comp and collision coverage costs an additional $206 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,556 or more
• The cost with full coverage for a teen driver for full coverage may cost $4,746 each year

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

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged upwards of $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,400 to $2,000 extra per year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers ranges as much as 42% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $320 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Dodge Ram 2500 insurance prices. A good driver about age 40 could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,600 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different between companies.

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 the Best Dodge Ram 2500 Insurance

Saving money on car insurance takes having a decent driving record, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at every policy renewal by requesting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

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

• Policyholders who require additional liability coverage will pay about $590 every year to raise limits from a minimum limit to higher 250/500 limits
• You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $325 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $396 per month if comprehensive and collision insurance is included