Dodge Ram 2500 Insurance Rates

Estimated auto insurance rates for a Dodge Ram 2500 are $1,150 annually for full coverage insurance. Comprehensive costs on average $186 a year, collision costs $250, and liability coverage is $534. Liability-only insurance costs around $588 a year, with high-risk driver insurance costing around $2,474. 16-year-old drivers pay the most at $4,630 a year or more.

Average premium for full coverage: $1,150

Premium estimates by type of coverage:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Ram 2500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than congested cities.

The diagram below illustrates how geographic area affects car insurance rates.

These rate differences illustrate why it is important to compare rates quotes based on a specific location and their own personal driving habits, rather than using rate averages.

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 different risk profiles and scenarios.

• The best full coverage rate is $698
• Raising to $1,000 deductibles will save around $1,050 each year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,150
• Buying low $100 deductibles will cost $1,338
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,474 or more
• An auto insurance policy with full coverage for a teenage driver may cost $4,630

View Chart as Image

Insurance prices for a Dodge Ram 2500 also have a wide range based on the model of your Ram 2500, your risk profile, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,400 to $1,900 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 41% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $290 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $480 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Dodge Ram 2500 insurance rates. A middle-age driver might find prices as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,550 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, and prices will be substantially different between companies.

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 Buy the Best Dodge Ram 2500 Insurance

Finding better rates on auto insurance consists of being a low-risk driver, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest the time to compare rates every year by getting rate quotes from direct insurance companies, and also from local exclusive and independent agents.

The items below are a brief recap of the coverage data presented in the illustrations above.

• It is possible to save as much as $130 per year simply by quoting early and online
• Increasing policy deductibles could save up to $300 each year
• Teen drivers pay higher prices, with premiums being up to $386 per month if they have full coverage
• Drivers who tend to receive serious violations may pay on average $1,320 more each year to insure their Ram 2500