Dodge Ram 2500 Insurance Rates

Estimated auto insurance rates for a Dodge Ram 2500 are $1,186 annually including full coverage. Comprehensive insurance costs approximately $198 a year, collision costs $274, and liability is estimated at $534. Liability-only coverage costs approximately $588 a year, with high-risk coverage costing $2,556 or more. Teens pay the most at $4,746 a year or more.

Average premium for full coverage: $1,186

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Ram 2500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on auto insurance prices.

These rate differences highlight why it is important to get quotes using their specific location and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $715
• Choosing higher $1,000 deductibles can save $1,078 every year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,186
• Selecting low $100 deductibles for comp and collision coverage costs an additional $206 every year
• Unlucky drivers with serious driving violations could pay around $2,556 or more
• An auto insurance policy with full coverage for a teen driver can cost $4,746 each year

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $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 in the ballpark of $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $320 every year, while buying higher liability limits will push prices upward. 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 prices. A good driver about age 40 could pay as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,690 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes and see which company has the best price. Each auto insurer calculates prices differently, 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 More Affordable Dodge Ram 2500 Insurance

Finding better rates on car insurance takes avoiding accidents and claims, having a good credit history, refrain from filing small claims, and maximizing policy discounts. Make time to compare rates every couple of years by requesting rates from direct car insurance companies, and also from local insurance agencies.

The points below are a summary of the material that was touched on in this article.

• Policyholders who purchase increased liability limits will pay approximately $590 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Drivers under the age of 20 are expensive to insure, with the cost nearing $396 per month including comprehensive and collision insurance
• Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,370 more per year to insure a Dodge Ram 2500
• Increasing policy deductibles could save up to $325 each year