Dodge Ram 2500 Insurance Rates

The average insurance rates for a Dodge Ram 2500 are $1,186 a year for full coverage. Comprehensive costs around $198 each year, collision insurance costs $274, and liability is estimated at $534. A liability-only policy costs approximately $588 a year, and high-risk insurance costs around $2,556. Teens cost the most to insure at up to $4,746 a year.

Average premium for full coverage: $1,186

Policy rates for type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Ram 2500 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects auto insurance rates.

The examples above show why all drivers should get quotes for a specific zip code, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $715
• Choosing higher $1,000 deductibles can save about $108 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,186
• Selecting low deductibles for comp and collision coverage bumps up the cost to $1,392
• Higher-risk drivers with serious driving violations could pay at least $2,556
• Policy cost that insures a 16-year-old driver can be $4,746 each year

View Chart as Image

Car insurance rates for a Dodge Ram 2500 also range considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers ranges from 42% to 131% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $4,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Dodge Ram 2500 insurance prices. A good driver about age 40 could pay as low as $780 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,690 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $320 annually, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

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 Dodge Ram 2500 Insurance

Finding cheaper rates on insurance for a Dodge Ram 2500 takes having a decent driving record, having a positive credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare rates at least once a year by obtaining price quotes from direct carriers, and also from several local insurance agents.

The following items are a brief recap of the primary concepts that were raised in the charts and tables above.

• Drivers can save up to $130 per year just by quoting online in advance
• Drivers considered higher risk who tend to receive serious violations pay on average $1,370 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• 16 to 18-year-old drivers are the costliest to insure, costing up to $396 each month if full coverage is purchased