Dodge Ram 2500 Insurance Rates

Estimated auto insurance rates for a Dodge Ram 2500 are $1,186 annually for full coverage. Comprehensive insurance costs on average $198, collision insurance costs $274, and liability is $534. A policy with only liability insurance costs around $588 a year, and a high-risk policy costs $2,556 or more. Teens pay the most at up to $4,746 a year.

Average premium for full coverage: $1,186

Premium estimates by type of coverage:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 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 car insurance rates. Rural areas are statistically proven to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on car insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $715
• Raising to $1,000 deductibles will save around $108 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,186
• Selecting more expensive low deductibles costs an additional $206 annually
• Drivers with serious driving violations could pay upwards of $2,556
• An auto insurance policy with full coverage for a 16-year-old driver with full coverage may cost $4,746

View Chart as Image

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

An older driver with no driving violations 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 will be charged upwards of $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $320 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $480 extra every 12 months. 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 $780 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,690 on average in Michigan, Louisiana, and New York.

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 Buy the Cheapest Dodge Ram 2500 Insurance

Finding better rates on insurance for a Dodge Ram 2500 consists of being safe and accident-free, having a good credit score, not filing small claims, and possibly raising deductibles. Make time to compare rates every time your policy renews by obtaining price quotes from direct carriers, and also from local insurance agents.

Below you'll find a recap of the information touched on in this article.

• Drivers can save as much as $130 per year just by shopping early and online
• Youthful drivers are expensive to insure, as much as $396 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save up to $325 each year
• Drivers considered higher risk that have major violations or accidents may be required to pay an average of $1,370 more each year than a low-risk driver
• Insureds who require more liability protection will pay approximately $590 each year to raise from 30/60 bodily injury limits to higher 250/500 limits