Dodge Ram 2500 Insurance Rates

The average insurance rates for a Dodge Ram 2500 are $1,150 a year for full coverage insurance. Comprehensive insurance costs around $186, collision costs $250, and liability coverage costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers costing $2,474 or more. Teens cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,150

Policy rates for type of insurance:

Rates are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different Ram 2500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $698
• Drivers who choose higher $1,000 deductibles will pay about $100 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,150
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $188 each year
• High-risk insureds with serious driving violations could pay at least $2,474 or more
• Policy cost for full coverage for a teenage driver with full coverage can be $4,630 a year

View Chart as Image

Insurance rates for a Dodge Ram 2500 also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $4,600 a year. View Rates by Age

Your home state makes a big difference in Dodge Ram 2500 insurance rates. A 40-year-old driver could pay as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,550 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $290 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance can cost around 41% to 135% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to compare rates and see how they stack up. Every company calculates rates differently, so the rates will be varied from one company to the next.

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 the Best Cheap Dodge Ram 2500 Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also maintaining good credit, being claim-free, and insuring your home and auto with the same company. Invest time comparing rates at least once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a quick review of the primary concepts that were covered in the charts and tables above.

• It is possible to save up to $130 per year simply by shopping early and online
• Drivers with a DUI or reckless driving violation may pay on average $1,320 more every year to insure their Ram 2500
• Increasing comprehensive and collision deductibles can save around $300 each year
• Teen drivers pay higher rates, possibly costing $386 each month for full coverage