Dodge Ram 2500 Insurance Rates

Estimated auto insurance rates for a Dodge Ram 2500 are $1,150 annually including full coverage. Comprehensive costs around $186, collision insurance costs $250, and liability is $534. Liability-only insurance costs around $588 a year, and high-risk driver insurance costs around $2,474. Teen drivers pay the most at up to $4,630 a year.

Average premium for full coverage: $1,150

Premium estimates for type of coverage:

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Ram 2500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates how your location can change auto insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $698
• Raising to $1,000 deductibles will save about $100 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,150
• Choosing more expensive low deductibles will cost $1,338
• Drivers with multiple violations and an at-fault accident could pay at least $2,474
• An auto insurance policy with full coverage for a 16-year-old driver with full coverage can be $4,630

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Insurance prices for a Dodge Ram 2500 also have a wide range based on the model of your Ram 2500, your driving characteristics, and deductibles and policy limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,400 to $1,900 additional annually, depending on your age. High-risk driver insurance is expensive and can cost from 41% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $290 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $480 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Dodge Ram 2500 insurance prices. A middle-age driver might find prices as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,640 on average in Michigan, New York, and Louisiana.

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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 Buy Cheaper Dodge Ram 2500 Insurance

Finding better rates on insurance for a Dodge Ram 2500 consists of having a decent driving record, having good credit, refrain from filing small claims, and deciding if full coverage is necessary. Invest the time to shop around every time your policy renews by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following items are a condensed summary of the information illustrated above.

• You may be able to save up to $130 per year just by shopping early and online
• 16 to 18-year-old drivers are charged the highest prices, with the cost nearing $386 per month if they have full coverage
• Increasing policy deductibles could save up to $300 each year
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,320 more every year than a driver with a clean driving record
• Insureds who may need additional liability coverage will pay about $590 per year to raise from 30/60 bodily injury limits to higher 250/500 limits