Dodge Ram 2500 Insurance Rates

Average insurance rates for a Dodge Ram 2500 are $1,150 a year for full coverage insurance. Comprehensive insurance costs approximately $186 each year, collision costs $250, and liability coverage costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers costing $2,474 or more. Teenage drivers receive the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Rate estimates by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Ram 2500 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance prices.

These examples illustrate why all drivers should compare rates using their specific location, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $698
• Drivers who choose higher $1,000 deductibles will pay $100 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,150
• Using low deductibles for comprehensive and collision insurance will cost an additional $188 each year
• High-risk insureds who are prone to accidents and violations could pay around $2,474 or more
• The cost that insures a teenage driver can cost $4,630 a year

View Chart as Image

Auto insurance rates for a Dodge Ram 2500 can also vary considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,400 to $1,900 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost around 41% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live makes a big difference in Dodge Ram 2500 insurance rates. A 40-year-old driver could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,550 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $290 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $480 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, and quoted rates can be significantly different.

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 the Best Cheap Dodge Ram 2500 Insurance

Saving money on auto insurance not only requires having a decent driving record, but also maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Compare prices once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following items are a quick review of the data that was presented in the illustrations above.

• It is possible to save around $130 per year simply by quoting online in advance
• Consumers who purchase additional liability coverage will pay an extra $590 annually to go from a minimum limit to the 250/500 level
• 16 to 18-year-old drivers have the highest car insurance rates, costing up to $386 per month if the policy includes full coverage
• Drivers with a DUI or reckless driving violation could be charged and average of $1,320 more per year than a driver with a clean driving record