Dodge Ram 2500 Insurance Rates

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

Average premium for full coverage: $1,150

Rate estimates by individual coverage type:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for all Ram 2500 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than congested cities.

The example below illustrates how where you live affects auto insurance prices.

These examples illustrate why everyone should get quotes using their specific location, instead of using rate averages.

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

Additional Rate Details

The chart below illustrates estimated 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 $100 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,150
• Buying pricier low deductibles for comp and collision coverage will cost an additional $188 every year
• Unlucky drivers with multiple tickets or accidents could pay around $2,474 or more
• The cost that insures a teen driver for full coverage can cost $4,630 each year

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Insurance rates for a Dodge Ram 2500 can also vary considerably based on the model of your Ram 2500, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,400 to $1,900 extra per year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers ranges as much as 41% to 135% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may 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 can expect 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 prices. A good driver about age 40 could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,550 on average in Florida, New York, and Michigan.

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

With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates and see which company has the best rate. Each auto insurer utilizes a different rate formula, 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 Find Cheaper Dodge Ram 2500 Insurance

Saving money on car insurance takes being a good driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Comparison shop every time your policy renews by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following list is a condensed summary of the information touched on in the above illustrations.

• It is possible to save around $130 per year simply by quoting online well ahead of the renewal date
• Drivers age 16 to 20 are expensive to insure, costing up to $386 per month if full coverage is included
• Increasing deductibles can save approximately $300 each year
• Higher risk drivers with multiple at-fault accidents could be charged and average of $1,320 more per year than a safer driver
• Policyholders who purchase an increased level of liability coverage will pay around $590 annually to raise limits from a minimum limit to the 250/500 level