Dodge Ram 2500 Insurance Rates

U.S. average insurance rates for a Dodge Ram 2500 are $1,150 a year for full coverage insurance. Comprehensive costs on average $186 each year, collision insurance costs $250, and liability costs around $534. Buying just liability costs as low as $588 a year, and insurance for high-risk drivers costs around $2,474. Teenage drivers pay the highest rates at up to $4,630 a year.

Average premium for full coverage: $1,150

Price estimates by individual coverage:

Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Ram 2500 models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates how location impacts car insurance rates.

The ranges above illustrate why all drivers should compare prices based on a specific location, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below illustrates average Dodge Ram 2500 insurance rates for different risk profiles and scenarios.

• The best discount rate is $698
• Using higher $1,000 deductibles will save around $100 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,150
• Using low deductibles for physical damage coverage bumps up the cost to $1,338
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,474
• The price that insures a 16-year-old driver may cost $4,630 or more

View Chart as Image

Insurance prices for a Dodge Ram 2500 are also quite variable based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,400 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers can be from 41% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,600 a year. View Rates by Age

The state you live in has a huge impact on Dodge Ram 2500 insurance prices. A driver around age 40 might see prices as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,550 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $290 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 more each year. View Rates by Deductible or Liability Limit

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 Low Cost Dodge Ram 2500 Insurance

Getting lower rates on insurance for a Dodge Ram 2500 requires not taking risks behind the wheel, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Compare prices every other policy renewal by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following is a review of the ideas that were touched on above.

• Teens pay higher prices, as much as $386 a month if comprehensive and collision insurance is included
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,320 more each year for Ram 2500 insurance
• Increasing physical damage deductibles can save approximately $300 each year
• It is possible to save as much as $130 per year just by quoting online in advance