Dodge Ram 2500 Insurance Rates

Average insurance prices for a Dodge Ram 2500 are $1,150 every 12 months for full coverage. Comprehensive insurance costs approximately $186, collision costs $250, and liability insurance costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers costing $2,474 or more. Teens receive the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Rate estimates by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different Ram 2500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Rural locations tend to have more infrequent accident claims than cities with more traffic congestion.

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

These examples show why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than relying on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $698
• Drivers who choose higher $1,000 deductibles will pay $100 a year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,150
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $188 a year
• High risk drivers with serious driving violations could pay around $2,474 or more
• The cost to insure a teen driver with full coverage can cost $4,630 a year

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Auto insurance rates for a Dodge Ram 2500 can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Ram 2500.

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

An older driver with a good driving record and higher deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,400 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance can cost anywhere from 41% to 135% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Dodge Ram 2500 insurance rates. A 40-year-old driver 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.

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With so much variability in rates, the only way to know who has the cheapest car insurance rates is to compare rates from as many companies as possible. Every company calculates rates differently, and quoted 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 Affordable Dodge Ram 2500 Insurance

Saving money on Dodge Ram 2500 insurance not only requires having a decent driving record, but also having a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Invest time comparing rates at every policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief review of the data covered in the charts and tables above.

• Drivers who purchase additional liability coverage will pay approximately $590 each year to go from a minimum limit to a 250/500 level
• Drivers can save around $130 per year simply by shopping early and online
• Increasing deductibles could save as much as $300 each year
• 16 to 18-year-old drivers have the highest car insurance rates, costing as high as $386 per month if comprehensive and collision insurance is included