Dodge Ram 2500 Insurance Rates

The average auto insurance rates for a Dodge Ram 2500 are $1,186 annually for full coverage insurance. Comprehensive costs around $198 each year, collision insurance costs $274, and liability coverage costs $534. Buying just liability costs as little as $588 a year, and insurance for high-risk drivers costs around $2,556. Teen drivers cost the most to insure at up to $4,746 a year.

Average premium for full coverage: $1,186

Policy rates for type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Ram 2500 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance rates.

The examples above illustrate why all drivers should compare rates for a specific zip code and their own personal driving habits, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $715
• Drivers who choose higher $1,000 deductibles will pay about $108 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,186
• Choosing low deductibles for comprehensive and collision insurance will cost $1,392
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,556
• Policy cost with full coverage for a teenage driver can be $4,746 a year

View Chart as Image

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

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay as much as $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can cost around 42% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $320 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Dodge Ram 2500 insurance rates. A 40-year-old driver could pay as low as $780 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,600 on average in Michigan, New York, and Florida.

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 More Affordable Dodge Ram 2500 Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having a good credit history, being claim-free, and dropping full coverage on older vehicles. Set aside time to shop around every time your policy renews by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a summary of the information raised in the charts and tables above.

• It is possible to save up to $130 per year just by quoting online in advance
• Teenagers pay higher rates, possibly costing $396 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Drivers who have multiple accidents or major violations pay on average $1,370 more every year for car insurance
• Consumers who may need higher liability limits will pay about $590 annually to go from a 30/60 limit to higher 250/500 limits