Dodge Ram 2500 Insurance Rates

U.S. average insurance prices for a Dodge Ram 2500 are $1,150 every 12 months with full coverage. Comprehensive costs around $186, collision costs $250, and liability coverage is estimated at $534. Liability-only coverage costs approximately $588 a year, with high-risk coverage costing around $2,474. Teens pay the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Price estimates for individual coverage:

Prices include $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for all Ram 2500 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on insurance rates. Areas with sparse population have more infrequent collision claims than cities with more traffic congestion.

The example below illustrates how location impacts auto insurance rates.

The ranges above demonstrate why everyone should get quotes for a specific zip code and their own driving history, rather than using averaged prices.

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

Additional Rate Information

The chart below details estimated Dodge Ram 2500 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $698
• Choosing higher $1,000 deductibles can save about $100 annually
• The average price for the average middle-age driver using $500 deductibles is $1,150
• Selecting pricier low deductibles for comp and collision coverage increases the price to $1,338
• Drivers with serious driving violations could pay at least $2,474 or more
• The price to insure a teenage driver for full coverage can be $4,630 each year

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $290 a year, whereas buying more liability protection will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay as much as $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,400 to $1,900 in extra premium each year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers ranges around 41% to 135% more than the average policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Dodge Ram 2500 insurance rates. A good driver about age 40 could pay as low as $830 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,550 on average in Florida, Michigan, and New York.

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Since prices can be so different, the best way to find out your exact price is to regularly compare prices and see how they stack up. Each auto insurer calculates prices differently, and quoted prices may be quite 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 the Right Dodge Ram 2500 Insurance

Getting lower rates on auto insurance takes not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around every couple of years by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a quick rundown of the material that was touched on above.

• Consumers who may need higher liability limits will pay approximately $590 every year to raise limits from a low limit to a 250/500 level
• Teens are expensive to insure, costing up to $386 a month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions pay on average $1,320 more every year for Ram 2500 insurance
• Increasing physical damage deductibles could save as much as $300 each year