Dodge Ram 2500 Insurance Rates

The average insurance rates for a Dodge Ram 2500 are $1,186 a year for full coverage. Comprehensive costs approximately $198 each year, collision costs $274, and liability is estimated at $534. Liability-only insurance costs approximately $588 a year, with high-risk driver insurance costing around $2,556. 16-year-old drivers cost the most to insure at $4,746 a year or more.

Average premium for full coverage: $1,186

Policy rates by type of insurance:

Estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured motorist 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 car insurance rates. Rural locations are shown to have lower incidents of accident claims than congested cities.

The graphic below illustrates the effect of geographic area on auto insurance prices.

The examples above show why all drivers should get quotes using their specific location, instead of making a decision based on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $715
• Choosing higher $1,000 deductibles can save $108 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,186
• Buying low deductibles for comp and collision coverage bumps up the cost to $1,392
• Higher-risk drivers with multiple tickets or accidents could pay around $2,556 or more
• Policy cost that insures a 16-year-old driver can cost $4,746 each year

View Chart as Image

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

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

More mature drivers with a good driving record 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 highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $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 Iowa, Maine, and Idaho, or at least $1,690 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $320 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, and quoted 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 Low Cost Dodge Ram 2500 Insurance

Finding cheaper rates on insurance for a Dodge Ram 2500 takes being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Comparison shop at least once a year by requesting quotes from direct carriers, and also from insurance agencies where you live.

Below is a review of the primary concepts that were covered in the above illustrations.

• Drivers can save around $130 per year simply by quoting online in advance
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,370 more per year for auto insurance
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Teenage drivers have the highest car insurance rates, costing up to $396 each month if the policy includes full coverage