Dodge Ram 2500 Insurance Rates

Estimated auto insurance rates for a Dodge Ram 2500 are $1,150 annually including full coverage. Comprehensive costs on average $186, collision costs $250, and liability coverage is estimated at $534. Liability-only coverage costs approximately $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 by type of coverage:

These estimates include $500 deductible amounts, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all Ram 2500 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates how where you live affects car insurance rates.

These rate differences highlight why everyone should get quotes based on a specific location and their own personal driving habits, rather than using average rates.

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

More Rate Details

The chart below breaks down estimated Dodge Ram 2500 insurance rates for different risk profiles and scenarios.

• The best discount rate is $698
• Choosing higher $1,000 deductibles can save around $100 every year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,150
• Using pricier low deductibles for comp and collision coverage will cost $1,338
• Drivers who are prone to accidents and violations could pay upwards of $2,474 or more
• An auto insurance policy with full coverage for a teenage driver for full coverage may cost $4,630 each year

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Insurance prices for a Dodge Ram 2500 also have a wide range based on the model of your Ram 2500, your driving characteristics, and policy deductibles and limits.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,100 annually 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 upwards of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,400 to $1,900 extra annually, depending on your age. Dodge Ram 2500 insurance for high-risk drivers ranges around 41% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $290 a year, whereas buying more liability protection will cost you more. Changing 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 plays a big part in determining prices for Dodge Ram 2500 insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,640 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Each auto insurer 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 Cheap Dodge Ram 2500 Insurance

Finding better rates on auto insurance takes having a good driving record, having a good credit history, refrain from filing small claims, and bundling your home and auto policies. Take the time to comparison shop at least every other year by requesting rates from direct car insurance companies, and also from several local insurance agents.

The next list is a brief summary of the car insurance concepts touched on in the above illustrations.

• Drivers that tend to have accidents or serious violations pay on average $1,320 more each year to buy Dodge Ram 2500 insurance
• You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $300 each year
• Consumers who require increased levels of liability coverage will pay an extra $590 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits