Dodge Ram 2500 Insurance Rates

The average insurance prices for a Dodge Ram 2500 are $1,150 every 12 months with full coverage. Comprehensive insurance costs on average $186 each year, collision insurance costs $250, and liability is $534. Liability-only coverage costs around $588 a year, and high-risk coverage costs $2,474 or more. 16-year-old drivers cost the most to insure at up to $4,630 a year.

Average premium for full coverage: $1,150

Policy rates by type of insurance:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Ram 2500 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are shown to have more infrequent collision claims than congested cities. The graphic below illustrates how your location can change car insurance rates.

The examples above demonstrate why all drivers should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on rate 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 different risk profiles and scenarios.

• The best full coverage rate is $698
• Raising to $1,000 deductibles will save around $100 annually
• The average price for a good driver age 40 with $500 deductibles is $1,150
• Buying low deductibles costs an extra $188 annually
• Drivers with multiple tickets or accidents could pay upwards of $2,474
• Policy cost to insure a 16-year-old driver may cost $4,630

View Chart as Image

Insurance rates for a Dodge Ram 2500 also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Ram 2500.

Opting for high physical damage deductibles can reduce rates by up to $290 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,400 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 41% to 135% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Dodge Ram 2500 insurance prices. A middle-age driver might find rates as low as $830 a year in states like New Hampshire, Ohio, and Utah, or at least $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 Shop for Low Cost Dodge Ram 2500 Insurance

Finding cheaper rates on insurance for a Dodge Ram 2500 consists of being a good driver, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around at every policy renewal by quoting rates from direct companies, and also from local exclusive and independent agents.

The following list is a review of the data illustrated above.

• Insureds who require an increased level of liability coverage will pay around $590 every year to raise from a 30/60 limit to a 250/500 level
• You may be able to save as much as $130 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• Drivers age 16 to 20 pay higher rates, as much as $386 each month if full coverage is included