Dodge Ram 2500 Insurance Rates

The average insurance rates for a Dodge Ram 2500 are $1,186 a year for full coverage insurance. Comprehensive costs around $198, collision costs $274, and liability insurance costs around $534. Liability-only coverage costs as low as $588 a year, with high-risk coverage costing around $2,556. Teen drivers cost the most to insure at $4,746 a year or more.

Average premium for full coverage: $1,186

Policy rates for type of insurance:

Prices include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different Ram 2500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than larger metro areas.

The price range example below illustrates the difference location can make on auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare prices for a specific zip code, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $715
• Using higher $1,000 deductibles will save about $108 each year
• The estimated price for a good driver age 40 using $500 deductibles is $1,186
• Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,392
• Drivers with multiple violations and an at-fault accident could pay at least $2,556 or more
• Policy cost that insures a teen driver with full coverage can be $4,746 or more

View Chart as Image

Insurance rates for a Dodge Ram 2500 also range considerably based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 131% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,700 a year. View Rates by Age

Your home state has a huge impact on Dodge Ram 2500 insurance rates. A driver around age 40 might see rates as low as $780 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,600 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $320 each year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out your exact price is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, and rates will be varied.

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 Right Dodge Ram 2500 Insurance

Finding cheaper rates on Dodge Ram 2500 insurance requires being a low-risk driver, having a good credit score, being claim-free, and taking advantage of discounts. Shop around every other policy renewal by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The items below are a quick rundown of the ideas that were touched on in this article.

• Teen drivers are charged the highest rates, possibly costing $396 each month if comprehensive and collision insurance is included
• High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,370 more every year to insure their Ram 2500
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• It is possible to save up to $130 per year simply by shopping early and online