Dodge Ram 2500 Insurance Rates

Estimated insurance prices for a Dodge Ram 2500 are $1,186 every 12 months for full coverage. Comprehensive costs approximately $198 each year, collision insurance costs $274, and liability insurance costs $534. Liability-only coverage costs as little as $588 a year, and high-risk coverage costs around $2,556. Teens pay the most at up to $4,746 a year.

Average premium for full coverage: $1,186

Premium estimates by type of coverage:

These estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and Ram 2500 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance prices.

These rate differences show why all drivers 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.

Additional Charts and Tables

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

• The cheapest rate after discounts is $715
• Drivers who choose higher $1,000 deductibles will pay $108 a year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,186
• Selecting low deductibles for comprehensive and collision insurance increases the price to $1,392
• High risk drivers with serious driving violations could pay around $2,556
• An auto insurance policy to insure a teen driver can cost $4,746 a year

View Chart as Image

Insurance prices for a Dodge Ram 2500 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Ram 2500.

Choosing higher comprehensive and collision insurance deductibles could save up to $320 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $480 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 131% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Dodge Ram 2500 insurance rates. A 40-year-old driver could pay as low as $780 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,690 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 Cheap Dodge Ram 2500 Insurance

Finding better rates on Dodge Ram 2500 insurance not only requires being a safe and courteous driver, but also having good credit, not filing small claims, and possibly raising deductibles. Invest the time to compare rates at every policy renewal by getting quotes from direct carriers, and also from your local independent and exclusive agents.

Below is a brief summary of the data presented in the illustrations above.

• Drivers who purchase higher levels of liability will pay approximately $590 each year to go from 30/60 bodily injury limits to a 250/500 level
• Drivers can save around $130 per year just by quoting online in advance
• Increasing policy deductibles could save as much as $325 each year
• Teenage drivers are expensive to insure, as much as $396 per month if they have full coverage