Dodge Ram 2500 Insurance Rates

The average insurance rates for a Dodge Ram 2500 are $1,186 a year including full coverage. Comprehensive insurance costs around $198, collision costs $274, and liability is $534. Buying just liability costs around $588 a year, with insurance for high-risk drivers 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 for type of insurance:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Ram 2500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

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

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below breaks down estimated Dodge Ram 2500 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $715
• Raising to $1,000 deductibles will save about $108 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,186
• Selecting more expensive low deductibles will cost an additional $206 annually
• Drivers with serious driving violations could pay at least $2,556 or more
• Policy cost that insures a 16-year-old driver with full coverage can be $4,746

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 131% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $4,700 a year. View Rates by Age

Your home state also has a big influence on Dodge Ram 2500 insurance prices. A middle-age driver might find rates as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,690 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $320 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to compare rates from multiple companies. Every auto insurance company calculates rates differently, so the rates 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 Cheap Dodge Ram 2500 Insurance

Finding cheaper rates on insurance for a Dodge Ram 2500 consists of having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare rates every time your policy renews by requesting rates from direct car insurance companies, and also from local insurance agencies.

The following items are a brief summary of the information covered in the above illustrations.

• You may be able to save up to $130 per year simply by shopping early and online
• 16 to 18-year-old drivers pay higher rates, with premiums being up to $396 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,370 more every year than a driver with a clean driving record
• Insureds who may need additional liability coverage will pay approximately $590 per year to raise from a 30/60 limit to the 250/500 level