Dodge Ram 2500 Insurance Rates

Estimated auto insurance rates for a Dodge Ram 2500 are $1,150 annually for full coverage. Comprehensive costs an estimated $186 each year, collision costs $250, and liability is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing around $2,474. Teenage drivers pay the most at $4,630 a year or more.

Average premium for full coverage: $1,150

Premium estimates broken down by type of coverage:

Includes $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and Ram 2500 models.

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 insurance rates. More rural locations are statistically proven to have fewer accident claims than densely populated cities.

The graphic below illustrates the difference location can make on insurance prices.

These rate differences show why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below shows estimated Dodge Ram 2500 insurance rates for other coverage scenarios.

• The best discount rate is $698
• Raising to $1,000 deductibles will save approximately $100 a year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,150
• Using low deductibles will cost $1,338
• Drivers who are prone to accidents and violations could pay up to $2,474 or more
• An auto insurance policy with full coverage for a 16-year-old driver can cost as much as $4,630

View Chart as Image

Insurance prices for a Dodge Ram 2500 also have a wide range based on the model of your Ram 2500, your driver profile, and liability limits and deductibles.

More mature drivers with a clean driving record 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 much higher for drivers in their teens, where even without any violations or accidents they can expect to pay at least $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 41% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $290 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $480 more per 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 $760 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,640 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know which insurance company is cheapest is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different between companies.

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 the Cheapest Dodge Ram 2500 Insurance

Finding better rates on insurance for a Dodge Ram 2500 consists of avoiding accidents and claims, having a good credit history, not filing small claims, and taking advantage of discounts. Make time to compare rates at every policy renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.

The points below are a recap of the data touched on in this article.

• Insureds who want increased liability limits will pay an extra $590 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
• Drivers can save approximately $130 per year simply by quoting online in advance
• Increasing policy deductibles could save up to $300 each year
• Drivers under the age of 20 are charged the highest prices, as much as $386 per month including comprehensive and collision insurance