Dodge Ram 2500 Insurance Rates

The average insurance rates for a Dodge Ram 2500 are $1,186 a year for full coverage. Comprehensive costs on average $198, collision insurance costs $274, and liability insurance costs around $534. Liability-only coverage costs as low as $588 a year, and high-risk coverage costs around $2,556. 16-year-old drivers cost the most to insure at up to $4,746 a year.

Average premium for full coverage: $1,186

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all Ram 2500 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of accident claims than congested cities. The example below illustrates how where you live affects car insurance rates.

The examples above show why everyone should compare prices based on a specific location, rather than relying on rate averages.

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

Additional Rate Information

The chart below shows average Dodge Ram 2500 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $715
• Using higher $1,000 deductibles will save around $108 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,186
• Buying pricier low deductibles for physical damage coverage bumps up the cost to $1,392
• Drivers with multiple tickets or accidents could pay upwards of $2,556
• Policy cost that insures a teen driver for full coverage may cost $4,746 or more

View Chart as Image

Insurance rates for a Dodge Ram 2500 also range considerably based on the model of your Ram 2500, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,400 to $2,000 additional every year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers can be anywhere from 42% to 131% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,700 a year. View Rates by Age

Your home state has a huge impact on Dodge Ram 2500 insurance rates. A driver around age 40 might see rates as low as $780 a year in states like Idaho, Maine, and Iowa, or at least $1,690 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $320 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

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 Affordable Dodge Ram 2500 Insurance

Finding cheaper rates on Dodge Ram 2500 insurance requires having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Comparison shop every time your policy renews by getting quotes from direct carriers, and also from local exclusive and independent agents.

The following items are a brief review of the information touched on in the above illustrations.

• Drivers can save as much as $130 per year just by quoting online well ahead of the renewal date
• 16 to 18-year-old drivers pay higher rates, costing up to $396 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,370 more each year than a driver with a clean driving record
• Drivers who require additional liability coverage will pay around $590 each year to increase from a 30/60 limit to the 250/500 level