Dodge Ram 2500 Insurance Rates

The average insurance prices for a Dodge Ram 2500 are $1,150 every 12 months with full coverage. Comprehensive costs on average $186 a year, 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:

Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Ram 2500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have more infrequent collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects car insurance rates.

The examples above demonstrate why it is important to compare prices based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below details estimated Dodge Ram 2500 insurance rates for different risk profiles and scenarios.

• The best discount rate is $698
• Using higher $1,000 deductibles will save around $1,050 annually
• The average price for a good driver age 40 with $500 deductibles is $1,150
• Using low $100 deductibles for physical damage coverage increases the price to $1,338
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,474 or more
• Policy cost to insure a 16-year-old driver may cost $4,630 or more

View Chart as Image

Car insurance rates for a Dodge Ram 2500 also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Ram 2500.

Using high physical damage deductibles could cut rates by as much as $290 annually, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be from 41% to 135% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Dodge Ram 2500 insurance prices. A driver around age 40 might see rates as low as $830 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,550 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, so rate quotes 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 Shop for More Affordable Dodge Ram 2500 Insurance

Finding cheaper rates on insurance for a Dodge Ram 2500 requires having a good driving record, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Set aside time to shop around at least every other year by requesting rates from direct companies, and also from local exclusive and independent agents.

The next list is a summary of the car insurance concepts raised in the charts and tables above.

• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,320 more each year to buy Dodge Ram 2500 insurance
• You may be able to save as much as $130 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• Insureds who require increased levels of liability coverage will pay an extra $590 every year to increase from a 30/60 limit to a 250/500 level