Dodge Ram 2500 Insurance Rates

U.S. average insurance prices for a Dodge Ram 2500 are $1,150 every 12 months with full coverage. Comprehensive insurance costs approximately $186, collision insurance costs $250, and liability is $534. Liability-only coverage costs around $588 a year, and high-risk coverage costs $2,474 or more. Teenage drivers pay the highest rates at up to $4,630 a year.

Average premium for full coverage: $1,150

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations have more infrequent collision claims than densely populated cities. The example below illustrates how geographic area affects auto insurance prices.

The ranges above demonstrate why everyone should compare rates quotes using their specific location and their own driving history, instead of using average rates.

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

Additional Rate Information

The chart below details average Dodge Ram 2500 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $698
• Raising to $1,000 deductibles will save $100 annually
• The average price for the average middle-age driver who chooses $500 deductibles is $1,150
• Using pricier low deductibles costs an extra $188 every year
• At-risk drivers who are prone to accidents and violations could pay around $2,474
• The price to insure a teen driver for full coverage can cost $4,630

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Auto insurance prices for a Dodge Ram 2500 are also quite variable based on deductibles and policy limits, your driving record, and the model of your Ram 2500.

Using high physical damage deductibles can reduce prices by up to $290 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,400 to $1,900 in extra premium each year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers is expensive and can cost as much as 41% to 135% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Dodge Ram 2500 insurance prices. A middle-age driver might find prices as low as $830 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,550 on average in New York, Michigan, and Florida.

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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 Cheapest Dodge Ram 2500 Insurance

Getting lower rates on car insurance consists of having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to compare rates every year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a recap of the coverage data presented in the illustrations above.

• You may be able to save around $130 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save as much as $300 each year
• 16 to 18-year-old drivers have the highest car insurance prices, costing up to $386 a month if comprehensive and collision insurance is included
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,320 more per year than a driver with a clean driving record