Dodge Ram 2500 Insurance Rates

The average insurance prices for a Dodge Ram 2500 are $1,150 every 12 months for full coverage insurance. Comprehensive costs on average $186, collision insurance costs $250, and liability is $534. Buying just liability costs around $588 a year, and insurance for high-risk drivers costs around $2,474. Teen drivers cost the most to insure at up to $4,630 a year.

Average premium for full coverage: $1,150

Policy rates by type of insurance:

Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, 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

Choosing to live in a large city can have significant affects on insurance rates. Rural areas are shown to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates how geographic area affects car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of using price averages.

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

Additional Rate Information

The chart below illustrates average Dodge Ram 2500 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $698
• Raising to $1,000 deductibles will save around $100 each year
• The average price for a good driver age 40 with $500 deductibles is $1,150
• Choosing more expensive low deductibles increases the price to $1,338
• At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,474
• Policy cost to insure a teen driver with full coverage may cost $4,630

View Chart as Image

Insurance rates for a Dodge Ram 2500 also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Ram 2500.

Choosing high deductibles can reduce rates by up to $290 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay 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 are probably paying at a minimum $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 41% to 135% more than average. View High Risk Driver Rates

Your home state also has a big influence on Dodge Ram 2500 insurance prices. A middle-age driver might find rates as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,550 on average in Michigan, New York, and Florida.

View Chart as Image

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 the Right Dodge Ram 2500 Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having good credit, being claim-free, and determing if full coverage is necessary. Invest the time to compare rates every year by quoting rates from direct insurance companies, and also from several local insurance agents.

The list below is a quick rundown of the coverage data presented in the illustrations above.

• It is possible to save as much as $130 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• Teenagers pay the highest rates, possibly costing $386 each month if they have full coverage
• Higher risk drivers with reckless driving or DUI convictions pay on average $1,320 more each year for car insurance