Dodge Ram 2500 Insurance Rates

U.S. average insurance rates for a Dodge Ram 2500 are $1,186 a year with full coverage. Comprehensive insurance costs around $198, collision insurance costs $274, and liability costs $534. Liability-only insurance costs as little as $588 a year, and high-risk driver insurance costs $2,556 or more. Teens pay the highest rates at up to $4,746 a year.

Average premium for full coverage: $1,186

Price estimates for individual coverage:

Estimates include $500 deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Ram 2500 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on insurance rates. Areas with sparse population have a lower frequency of collision claims than cities with more traffic congestion. The price range example below illustrates how where you live affects auto insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $715
• Drivers who choose higher $1,000 deductibles will pay about $108 annually
• The average rate for the average middle-age driver using $500 deductibles is $1,186
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $206 annually
• Drivers with serious driving violations could pay at least $2,556
• The price for full coverage for a 16-year-old driver with full coverage can be $4,746 a year

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Car insurance prices for a Dodge Ram 2500 are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

An older driver with no driving violations and high deductibles may pay as low as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $4,700 a year. View Rates by Age

The state you live in 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 New Hampshire, Ohio, and Utah, or have to pay at least $1,600 on average in Florida, Michigan, and New York.

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Choosing higher comprehensive and collision insurance deductibles could save up to $320 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance can cost from 42% to 131% more than the average policy. View High Risk Driver Rates

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 Low Cost Dodge Ram 2500 Insurance

Getting lower rates on insurance for a Dodge Ram 2500 not only requires not taking risks behind the wheel, but also having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to comparison shop once a year by requesting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following is a review of the data that was touched on in the above illustrations.

• You may be able to save up to $130 per year just by shopping early and online
• Insureds who may need higher liability limits will pay approximately $590 every year to go from a low limit to 250/500 limits
• Teens are the costliest to insure, costing up to $396 a month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations pay an average of $1,370 more every year for Ram 2500 insurance