Dodge Ram 2500 Insurance Rates

Average insurance prices for a Dodge Ram 2500 are $1,150 every 12 months for full coverage. Comprehensive costs an estimated $186, collision insurance costs $250, and liability coverage costs $534. A policy with just liability insurance costs as little as $588 a year, and coverage for high-risk drivers costs around $2,474. Teen drivers receive the highest rates at up to $4,630 a year.

Average premium for full coverage: $1,150

Rate estimates broken down by individual coverage type:

Includes $500 deductible amounts, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for all Ram 2500 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on insurance rates. More rural locations tend to have more infrequent accident claims than larger metro areas. The example below illustrates the difference between rural and urban areas on insurance prices.

These examples show why everyone should compare rates for a targeted area and their own driving history, rather than using price averages.

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

Additional Rate Analysis

The chart below shows average Dodge Ram 2500 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $698
• Drivers who choose higher $1,000 deductibles will pay approximately $100 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,150
• Choosing pricier low deductibles for comprehensive and collision insurance increases the price to $1,338
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,474
• The cost to insure a teenage driver for full coverage can cost as much as $4,630 a year

View Chart as Image

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

Choosing high deductibles could save up to $290 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $480 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,400 to $1,900 additional per year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers can cost around 41% to 135% more than average. View High Risk Driver Rates

Where you live makes a big difference in Dodge Ram 2500 insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Iowa, Maine, and Idaho, or as much as $1,640 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 Shop for the Cheapest Dodge Ram 2500 Insurance

Saving money on auto insurance not only requires having a good driving record, but also having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to compare rates at least once a year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a recap of the primary concepts that were covered above.

• Drivers can save approximately $130 per year just by quoting online well ahead of the renewal date
• Drivers that have major violations or accidents pay on average $1,320 more annually to buy Dodge Ram 2500 insurance
• Increasing deductibles could save as much as $300 each year
• Drivers age 20 and younger are expensive to insure, costing as high as $386 per month if full coverage is included