Dodge Ram 2500 Insurance Rates

The average insurance rates for a Dodge Ram 2500 are $1,150 a year including full coverage. Comprehensive costs around $186 each year, collision costs $250, and liability coverage is estimated at $534. A liability-only policy costs approximately $588 a year, with high-risk insurance costing around $2,474. Teenage drivers 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:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Ram 2500 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance rates.

The examples above highlight why all drivers should get quotes for a specific zip code and risk profile, rather than using average rates.

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

More Rate Details

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

• The best discount rate is $698
• Choosing higher $1,000 deductibles can save about $100 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,150
• Using low deductibles for comp and collision coverage will increase the cost to $1,338
• Drivers who are prone to accidents and violations could pay at least $2,474 or more
• Policy cost for full coverage for a teenage driver can be $4,630 each year

View Chart as Image

Car insurance rates for a Dodge Ram 2500 also range considerably based on your risk profile, the model of your Ram 2500, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $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 $880 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,640 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $290 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers ranges around 41% to 135% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate rates, so rate quotes 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 Dodge Ram 2500 Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to comparison shop every year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief recap of the coverage data touched on in the above illustrations.

• You may be able to save up to $130 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $300 each year
• Teenagers are the costliest to insure, with premiums being up to $386 each month if full coverage is included
• Drivers who tend to receive serious violations pay on average $1,320 more every year for car insurance