Dodge Ram 2500 Insurance Rates

Average insurance rates for a Dodge Ram 2500 are $1,150 a year for full coverage. Comprehensive insurance costs approximately $186 a year, collision insurance costs $250, and liability insurance is estimated at $534. A policy with just liability insurance costs approximately $588 a year, and coverage for high-risk drivers costs $2,474 or more. 16-year-old drivers receive the highest rates at up to $4,630 a year.

Average premium for full coverage: $1,150

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and Ram 2500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural locations tend to have lower incidents of accident claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

These examples show why it is important to get quotes using their specific location, rather than relying on rate averages.

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

Additional Rate Details

The chart below shows average Dodge Ram 2500 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $698
• Choosing higher $1,000 deductibles can save $1,050 a year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,150
• Buying low $100 deductibles for comp and collision coverage will cost an additional $188 a year
• High-risk insureds with multiple tickets or accidents could pay around $2,474
• The cost that insures a teen driver can cost $4,630 each year

View Chart as Image

Insurance rates for a Dodge Ram 2500 can also vary considerably based on the trim level of your Ram 2500, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $1,400 to $1,900 additional per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 135% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live plays a big part in determining prices for Dodge Ram 2500 insurance rates. A good driver about age 40 could pay as low as $760 a year in states like Iowa, Maine, and Idaho, or at least $1,640 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $290 each year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $480 more each year. View Rates by Deductible or Liability Limit

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 Affordable Dodge Ram 2500 Insurance

Saving money on Dodge Ram 2500 insurance takes being safe and accident-free, having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Comparison shop once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a brief review of the data that was raised in the charts and tables above.

• Drivers can save around $130 per year just by quoting early and online
• Drivers who purchase more liability protection will pay around $590 each year to raise limits from a minimum limit to the 250/500 level
• Youthful drivers are the costliest to insure, costing as high as $386 per month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,320 more per year than a low-risk driver