Dodge Ram 2500 Insurance Rates

The average auto insurance rates for a Dodge Ram 2500 are $1,150 annually including full coverage. Comprehensive insurance costs an estimated $186, collision costs $250, and liability is estimated at $534. Buying just liability costs approximately $588 a year, with insurance for high-risk drivers costing $2,474 or more. Teen drivers cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,150

Policy rates broken down by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all Ram 2500 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

The example below illustrates how location impacts insurance prices.

The examples above highlight why everyone should get quotes for a targeted area and their own personal driving habits, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $698
• Choosing higher $1,000 deductibles can save approximately $100 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,150
• Choosing pricier low deductibles for comp and collision coverage costs an additional $188 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,474 or more
• Policy cost with full coverage for a teen driver for full coverage can cost as much as $4,630 each year

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Insurance rates for a Dodge Ram 2500 also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,400 to $1,900 extra every year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers ranges as much as 41% to 135% more than average. View High Risk Driver Rates

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

Your home state plays a big part in determining prices for Dodge Ram 2500 insurance prices. A good driver about age 40 could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,640 on average in Louisiana, New York, and Michigan.

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Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so the rates will be varied between companies.

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 Buy the Best Cheap Dodge Ram 2500 Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Spend time shopping around every year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a quick review of the coverage data touched on above.

• You may be able to save approximately $130 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Teenagers are charged the highest rates, with premiums being up to $386 each month including comprehensive and collision insurance
• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,320 more annually for car insurance