Dodge Ram 2500 Insurance Rates

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

Average premium for full coverage: $1,186

Policy rates broken down by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. 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 has a large influence on car insurance rates. More rural locations are shown to have lower incidents of collision claims than densely populated cities.

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

The examples above demonstrate why anyone shopping for car insurance should compare rates for a targeted area, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $715
• Drivers who choose higher $1,000 deductibles will pay approximately $108 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,186
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,392
• High-risk insureds who are prone to accidents and violations could pay up to $2,556 or more
• Policy cost that insures a teenage driver with full coverage can cost as much as $4,746 a year

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Car insurance rates for a Dodge Ram 2500 also range considerably based on the model year and trim level, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance can cost around 42% to 131% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged at least $4,700 a year. View Rates by Age

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

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Using high physical damage deductibles could save up to $320 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates and see how they stack up. Every company uses a different method to calculate rates, so rate quotes will be varied.

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 the Best Dodge Ram 2500 Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having a positive credit history, not filing small claims, and not having any coverage lapses. Compare prices every year by getting rate quotes from direct companies, and also from insurance agencies where you live.

The list below is a brief recap of the coverage data covered in the above illustrations.

• You may be able to save approximately $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Teenagers have the highest car insurance rates, as much as $396 each month if full coverage is purchased
• Drivers who tend to receive serious violations could be forced to pay on average $1,370 more annually for car insurance