Dodge Ram 2500 Insurance Rates

Average insurance rates for a Dodge Ram 2500 are $1,150 a year with full coverage. Comprehensive costs on average $186, collision costs $250, and liability is estimated at $534. Liability-only coverage costs approximately $588 a year, with high-risk coverage costing around $2,474. Teens receive the highest rates at $4,630 a year or more.

Average premium for full coverage: $1,150

Rate estimates by individual coverage type:

Full coverage includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for different Ram 2500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

These examples demonstrate why anyone shopping for car insurance should get quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

The chart below details estimated Dodge Ram 2500 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $698
• Choosing higher $1,000 deductibles can save around $100 annually
• The average rate for a 40-year-old driver with $500 deductibles is $1,150
• Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $1,338
• Higher-risk drivers with serious driving violations could pay upwards of $2,474 or more
• The cost for full coverage for a 16-year-old driver with full coverage may cost $4,630 each year

View Chart as Image

Car insurance rates for a Dodge Ram 2500 can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

An older driver with no driving violations and high deductibles may pay as low as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $4,600 a year. View Rates by Age

Where you 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 $830 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,550 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $290 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,400 to $1,900 extra per year, depending on your age. High-risk driver insurance ranges from 41% to 135% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to compare rates from multiple companies. Each auto insurer calculates rates differently, so rate quotes can be significantly different from one company to the next.

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 More Affordable Dodge Ram 2500 Insurance

Saving money on insurance for a Dodge Ram 2500 takes being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at every other renewal by obtaining price quotes from direct companies like GEICO and Progressive, and also from local insurance agents.

The items below are a summary of the concepts that were covered above.

• Drivers considered higher risk who have multiple accidents or major violations may be required to pay an average of $1,320 more each year to insure their Ram 2500
• Teen drivers are expensive to insure, with premiums as much as $386 per month if full coverage is included
• You may be able to save as much as $130 per year simply by shopping early and online
• Increasing deductibles can save around $300 each year
• You may be able to save as much as $130 per year simply by shopping early and online