Dodge Ram 2500 Insurance Rates

The average insurance rates for a Dodge Ram 2500 are $1,186 a year with full coverage. Comprehensive insurance costs approximately $198, collision costs $274, and liability costs $534. Liability-only coverage costs as little as $588 a year, with high-risk coverage costing $2,556 or more. Teens cost the most to insure at $4,746 a year or more.

Average premium for full coverage: $1,186

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Ram 2500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $715
• Drivers who choose higher $1,000 deductibles will pay $108 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,186
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $206 every year
• Higher-risk drivers with serious driving violations could pay around $2,556 or more
• Policy cost for full coverage for a teen driver with full coverage can cost $4,746 a year

View Chart as Image

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

An older driver with no violations or accidents and high deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

Your home state makes a big difference in Dodge Ram 2500 insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,600 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $320 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance can cost as much as 42% to 131% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates and see which company has the best rate. Every company calculates rates differently, and rates will be varied from one company to the next.

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 Find Affordable Dodge Ram 2500 Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having a good credit history, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates at least once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief review of the primary concepts that were covered in the above illustrations.

• You may be able to save around $130 per year simply by shopping early and online
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,370 more per year for car insurance
• Increasing comprehensive and collision deductibles can save around $325 each year
• Teenagers are the costliest to insure, as much as $396 each month including comprehensive and collision insurance