Dodge Ram 2500 Insurance Rates

The average insurance rates for a Dodge Ram 2500 are $1,150 a year for full coverage. Comprehensive costs approximately $186 each year, collision insurance costs $250, and liability costs around $534. Liability-only coverage costs as low as $588 a year, and high-risk coverage costs around $2,474. 16-year-old drivers cost the most to insure at up to $4,630 a year.

Average premium for full coverage: $1,150

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than congested cities. The graphic below illustrates the effect of geographic area on auto insurance prices.

The examples above show why all drivers should compare prices using their specific location and risk profile, instead of using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $698
• Using higher $1,000 deductibles will save $100 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,150
• Buying low deductibles for physical damage coverage will increase the cost to $1,338
• Drivers with multiple tickets or accidents could pay around $2,474
• Policy cost for full coverage for a teen driver can cost $4,630 or more

View Chart as Image

Insurance rates for a Dodge Ram 2500 also range considerably based on your risk profile, the trim level of your Ram 2500, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state has a huge impact on Dodge Ram 2500 insurance prices. A driver around age 40 might see rates as low as $760 a year in states like Iowa, Maine, and Idaho, or at least $1,640 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $290 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,400 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers can be as much as 41% to 135% more than the average rate. View High Risk Driver Rates

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 the Best Cheap Dodge Ram 2500 Insurance

Finding cheaper rates on car insurance requires having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates at every policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a quick review of the data covered in the above illustrations.

• Policyholders who purchase additional liability coverage will pay around $590 each year to increase from a 30/60 limit to 250/500 limits
• Drivers can save around $130 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $300 each year
• 16 to 18-year-old drivers are the costliest to insure, costing up to $386 each month including comprehensive and collision insurance