Dodge Ram 2500 Insurance Rates

The average insurance rates for a Dodge Ram 2500 are $1,150 a year for full coverage. Comprehensive insurance costs approximately $186, collision costs $250, and liability insurance is estimated at $534. Buying just liability costs approximately $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 by type of insurance:

Prices are based on $500 deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and for different Ram 2500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance prices.

The examples above show why anyone shopping for car insurance should get quotes using their specific location, rather than relying on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $698
• Choosing higher $1,000 deductibles can save $100 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,150
• Selecting more expensive low deductibles for comp and collision coverage will cost an additional $188 a year
• High-risk insureds with serious driving violations could pay around $2,474 or more
• Policy cost that insures a teen driver with full coverage can cost $4,630 each year

View Chart as Image

Insurance rates for a Dodge Ram 2500 also range considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 41% to 135% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state 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 have to pay at least $1,640 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $290 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates from as many companies as possible. Each auto insurer calculates rates differently, so the rates will be varied.

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

Finding cheaper rates on Dodge Ram 2500 insurance takes not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates every couple of years by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The following is a brief review of the material that was illustrated above.

• Drivers who purchase higher liability limits will pay approximately $590 each year to raise limits from a 30/60 limit to the 250/500 level
• Teens are expensive to insure, costing up to $386 each month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,320 more per year for Ram 2500 insurance
• Increasing comprehensive and collision deductibles can save approximately $300 each year