Dodge Ram 2500 Insurance Rates

U.S. average insurance rates for a Dodge Ram 2500 are $1,150 a year with full coverage. Comprehensive insurance costs an estimated $186, collision insurance costs $250, and liability costs $534. A policy with just liability insurance costs as little as $588 a year, and coverage for high-risk drivers costs $2,474 or more. 16-year-old drivers pay the highest rates at up to $4,630 a year.

Average premium for full coverage: $1,150

Price estimates broken down by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for all Ram 2500 models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. More rural locations have lower incidents of collision claims than congested cities. The example below illustrates how location impacts insurance prices.

The ranges above demonstrate why everyone should compare rates for a targeted area, instead of making a decision based on rate averages.

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

Additional Rate Details

The chart below details average Dodge Ram 2500 insurance rates for other coverage scenarios.

• The best full coverage rate is $698
• Drivers who choose higher $1,000 deductibles will pay approximately $100 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,150
• Buying pricier low deductibles for comprehensive and collision insurance will cost an additional $188 annually
• Drivers with multiple tickets or accidents could pay up to $2,474
• The price that insures a 16-year-old driver for full coverage can cost as much as $4,630 a year

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Insurance prices for a Dodge Ram 2500 are also quite variable based on the model of your Ram 2500, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,400 to $1,900 extra each year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers can cost from 41% to 135% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,600 a year. View Rates by Age

The state you live in makes a big difference in Dodge Ram 2500 insurance prices. A 40-year-old driver could pay as low as $830 a year in states like Utah, Ohio, and New Hampshire, or at least $1,550 on average in New York, Michigan, and Florida.

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Opting for high physical damage deductibles could save up to $290 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 more per year. 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 More Affordable Dodge Ram 2500 Insurance

Getting lower rates on insurance for a Dodge Ram 2500 not only requires avoiding accidents and violations, but also having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Comparison shop at least every other year by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The list below is a summary of the car insurance concepts touched on above.

• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,320 more annually for car insurance
• You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $300 each year
• Insureds who want higher liability limits will pay around $590 every year to go from a low limit to the 250/500 level