Dodge Ram 2500 Insurance Rates

U.S. average insurance rates for a Dodge Ram 2500 are $1,186 a year including full coverage. Comprehensive insurance costs around $198 each year, collision insurance costs $274, and liability insurance costs $534. A policy with just liability insurance costs as little as $588 a year, and coverage for high-risk drivers costs $2,556 or more. Teens pay the highest rates at up to $4,746 a year.

Average premium for full coverage: $1,186

Price estimates for individual coverage:

Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Ram 2500 models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance rates.

The ranges above highlight why all drivers should compare rates for a specific zip code, rather than relying on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $715
• Drivers who choose higher $1,000 deductibles will pay about $108 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,186
• Selecting low deductibles for comprehensive and collision insurance will cost an additional $206 a year
• High risk drivers with serious driving violations could pay at least $2,556
• The price that insures a teen driver can be $4,746 a year

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Insurance prices for a Dodge Ram 2500 are also quite variable based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 131% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,700 a year. View Rates by Age

The state you live in makes a big difference in Dodge Ram 2500 insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,690 on average in Michigan, New York, and Louisiana.

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Choosing higher comprehensive and collision insurance deductibles could save up to $320 each year, whereas increasing liability limits will increase prices. Changing 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 the Cheapest Dodge Ram 2500 Insurance

Getting lower rates on Dodge Ram 2500 insurance not only requires avoiding accidents and violations, but also having above-average credit, being claim-free, and dropping full coverage on older vehicles. Compare rates at least every other year by quoting rates from direct car insurance companies, and also from local insurance agencies.

The list below is a recap of the car insurance concepts covered in the charts and tables above.

• High-risk drivers that have major violations or accidents may have to pay on average $1,370 more every year for car insurance
• You may be able to save up to $130 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $325 each year
• Drivers who may need higher liability limits will pay approximately $590 per year to go from a low limit to the 250/500 level