Dodge Ram 2500 Insurance Rates

Average insurance prices for a Dodge Ram 2500 are $1,150 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $186, collision costs $250, and liability coverage is $534. A liability-only policy costs around $588 a year, with high-risk insurance costing $2,474 or more. Teen drivers receive the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Rate estimates broken down by individual coverage type:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for all Ram 2500 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. More rural locations tend to have more infrequent physical damage claims than larger metro areas.

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

These examples illustrate why everyone should compare rates quotes for a targeted area and their own driving history, rather than using price averages.

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

Additional Rate Information

The chart below illustrates estimated Dodge Ram 2500 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $698
• Raising to $1,000 deductibles will save approximately $100 each year
• The average price for a 40-year-old driver who has $500 deductibles is $1,150
• Choosing pricier low deductibles costs an extra $188 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,474 or more
• The cost to insure a teenage driver for full coverage can cost as much as $4,630

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

Choosing high deductibles can reduce rates by up to $290 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $480 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay at least $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,400 to $1,900 extra per year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers is expensive and can cost around 41% to 135% more than average. View High Risk Driver Rates

Where you live also has a big influence on Dodge Ram 2500 insurance rates. A middle-age driver might find rates as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,550 on average in Florida, New York, and Michigan.

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With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, so the rates can be significantly different.

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 the Right Dodge Ram 2500 Insurance

Saving money on auto insurance consists of being a good driver, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at least every other year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a quick rundown of the car insurance concepts raised in the charts and tables above.

• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,320 more annually than a safer driver
• It is possible to save approximately $130 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $300 each year
• Consumers who want an increased level of liability coverage will pay about $590 annually to raise from a minimum limit to a 250/500 level