Dodge Ram 2500 Mega Cab SLT 4WD Insurance Rates

The average insurance prices for a Dodge Ram 2500 Mega Cab SLT 4WD are $1,576 every 12 months for full coverage insurance. Comprehensive costs approximately $382 each year, collision insurance costs $604, and liability insurance costs $410. Liability-only insurance costs as little as $486 a year, and high-risk driver insurance costs around $3,374. Teenage drivers cost the most to insure at up to $5,724 a year.

Annual premium for full coverage: $1,576

Policy rates by individual coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Dodge Ram 2500 Trim Level

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance prices.

These price differences illustrate why all drivers should compare rates using their specific location and their own driving history, rather than relying on average rates.

Use the form below to get rates for your location.

Auto insurance rates for a Dodge Ram 2500 Mega Cab SLT 4WD also range considerably based on liability limits and deductibles, your risk profile, and the replacement cost of your Ram 2500.

Using high physical damage deductibles could save up to $660 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $369 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $5,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,800 to $2,500 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 128% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Dodge Ram 2500 Mega Cab SLT 4WD insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like , , and North Carolina, or be forced to pay as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates will be varied.

View Chart as Image

The chart estimates Dodge Ram 2500 Mega Cab SLT 4WD insurance rates for various coverage choices and risks. The lowest rate with discounts is $916. Drivers who use higher $1,000 deductibles will pay $1,350. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,576. Using lower $100 deductibles for physical damage coverage can cost as much as $2,006. Drivers with multiple violations and accidents could be charged around $3,374. The policy rate for full coverage insurance for a teenager is $5,724.

View Chart as Image