Dodge Ram 2500 Insurance Rates

The average auto insurance rates for a Dodge Ram 2500 are $1,186 annually for full coverage. Comprehensive insurance costs approximately $198, collision insurance costs $274, and liability costs $534. A liability-only policy costs as little as $588 a year, and high-risk insurance costs $2,556 or more. Teenage drivers cost the most to insure at up to $4,746 a year.

Average premium for full coverage: $1,186

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different Ram 2500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural locations are shown to have fewer accident claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance prices.

The examples above show why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $715
• Drivers who choose higher $1,000 deductibles will pay $108 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,186
• Using more expensive low deductibles for comprehensive and collision insurance costs an additional $206 every year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,556
• Policy cost with full coverage for a teen driver with full coverage can cost $4,746 a year

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Car insurance rates for a Dodge Ram 2500 also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

An older driver with no driving violations and high physical damage deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged in the ballpark of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance can cost as much as 42% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $320 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Dodge Ram 2500 insurance prices. A 40-year-old driver could pay as low as $780 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,690 on average in New York, Louisiana, and Michigan.

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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 Buy the Best Dodge Ram 2500 Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also having a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Take the time to compare rates every year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief recap of the coverage data covered in the above illustrations.

• Drivers can save around $130 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Drivers age 16 to 20 pay the highest auto insurance rates, costing up to $396 each month if comprehensive and collision insurance is included
• Higher risk drivers who tend to receive serious violations pay on average $1,370 more per year than a safer driver