Dodge Ram 2500 Insurance Rates

Average insurance rates for a Dodge Ram 2500 are $1,150 a year with full coverage. Comprehensive insurance costs on average $186, collision costs $250, and liability costs around $534. A liability-only policy costs as low as $588 a year, with high-risk insurance costing $2,474 or more. Teenage drivers receive the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Rate estimates by individual coverage type:

These estimates include $500 deductible amounts, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different Ram 2500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates how location impacts car insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of using average rates.

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

Additional Rate Details

The chart below details estimated 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 annually
• The average rate for a 40-year-old driver with $500 deductibles is $1,150
• Using more expensive low deductibles for physical damage coverage will cost an extra $188 every year
• Drivers who are prone to accidents and violations could pay upwards of $2,474 or more
• The cost for full coverage for a teen driver with full coverage may cost $4,630 or more

View Chart as Image

Insurance rates for a Dodge Ram 2500 can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles may pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $4,600 a year. View Rates by Age

Where you live has a huge impact on Dodge Ram 2500 insurance prices. A driver around age 40 might see rates as low as $830 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,550 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $290 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $480 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,400 to $1,900 extra per year, depending on your age. High-risk driver insurance can be as much as 41% to 135% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, so the rates can be significantly different from one company to the next.

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 Cheap Dodge Ram 2500 Insurance

Saving money on car insurance requires having a good driving record, maintaining good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Spend time shopping around at least once a year by quoting rates from direct companies like GEICO and Progressive, and also from local insurance agents.

The next list is a brief summary of the primary concepts that were touched on above.

• You may be able to save as much as $130 per year simply by shopping early and online
• Higher risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,320 more each year to buy Dodge Ram 2500 insurance
• Increasing deductibles can save around $300 each year
• Drivers age 20 and younger pay the highest rates, with premiums as much as $386 per month for full coverage