Dodge Ram 2500 Insurance Rates

The average auto insurance rates for a Dodge Ram 2500 are $1,150 annually for full coverage. Comprehensive costs approximately $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 around $2,474. Teenage drivers cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,150

Policy rates by type of insurance:

These estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all Ram 2500 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural locations are shown to have fewer accident claims than densely populated cities.

The example below illustrates how your location can change auto insurance prices.

The examples above show why everyone should compare prices using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $698
• Using higher $1,000 deductibles will save $100 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,150
• Using pricier low deductibles for physical damage coverage will cost $1,338
• High-risk insureds who are prone to accidents and violations could pay around $2,474 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage can cost $4,630 or more

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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.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,100 a year, 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 $4,600 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 $1,900 extra every year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers can be from 41% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $290 annually, whereas buying more liability protection 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 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 be forced to pay as much as $1,640 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Each insurance company uses a different method to calculate rates, so rate quotes will be varied between companies.

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 Cheap Dodge Ram 2500 Insurance

Finding cheaper rates on insurance for a Dodge Ram 2500 requires being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Invest the time to shop around every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a brief summary of the material that was illustrated above.

• Insureds who purchase more liability protection will pay an extra $590 each year to increase from a 30/60 limit to higher 250/500 limits
• Youthful drivers pay the highest auto insurance rates, costing up to $386 each month if comprehensive and collision insurance is included
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,320 more per year than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $300 each year