Dodge Ram 2500 Insurance Rates

The average insurance rates for a Dodge Ram 2500 are $1,150 a year for full coverage. Comprehensive insurance costs around $186, collision insurance costs $250, and liability coverage costs around $534. Liability-only insurance costs as low as $588 a year, and high-risk driver insurance costs $2,474 or more. Teen drivers cost the most to insure at up to $4,630 a year.

Average premium for full coverage: $1,150

Policy rates for type of insurance:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different Ram 2500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance rates.

The examples above show why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than using price 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 additional coverage choices and driver risks.

• The lowest rate with discounts is $698
• Using higher $1,000 deductibles will save about $100 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,150
• Choosing more expensive low deductibles for physical damage coverage will cost an extra $188 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,474
• Policy cost for full coverage for a teenage driver with full coverage can be $4,630 or more

View Chart as Image

Auto insurance rates for a Dodge Ram 2500 also range considerably based on your risk profile, the trim level of your Ram 2500, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $4,600 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 $760 a year in states like Idaho, Maine, and Iowa, or as much as $1,640 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $290 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,400 to $1,900 in extra premium every year, depending on your age. High-risk driver insurance can be around 41% to 135% more than average. 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 Affordable Dodge Ram 2500 Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around at least once a year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The list below is a brief review of the primary concepts that were raised in the charts and tables above.

• Drivers can save up to $130 per year just by shopping early and online
• Drivers with DUI or reckless driving convictions may be required to pay an average of $1,320 more every year for car insurance
• Increasing comprehensive and collision deductibles can save around $300 each year
• Teenagers are expensive to insure, costing up to $386 each month if they have full coverage