Dodge Ram 2500 Insurance Rates

The average insurance prices for a Dodge Ram 2500 are $1,232 every 12 months for full coverage. Comprehensive insurance costs on average $212, collision costs $300, and liability insurance is estimated at $540. A liability-only policy costs approximately $592 a year, with high-risk insurance costing $2,654 or more. Teens cost the most to insure at $4,892 a year or more.

Average premium for full coverage: $1,232

Policy rates by type of insurance:

Rates are based on $500 deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for all Ram 2500 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have more infrequent accident claims than cities with more traffic congestion.

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

The examples above show why everyone should get quotes based on a specific location and their own driving history, rather than relying on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $740
• Choosing higher $1,000 deductibles can save around $116 a year
• The average price for a good driver age 40 with $500 deductibles is $1,232
• Selecting pricier low deductibles for comp and collision coverage costs an extra $224 a year
• High-risk insureds with serious driving violations could pay upwards of $2,654 or more
• Policy cost to insure a teen driver for full coverage may cost $4,892 each year

View Chart as Image

Car insurance rates for a Dodge Ram 2500 also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Ram 2500.

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 each year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $486 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers ranges anywhere from 43% to 135% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Dodge Ram 2500 insurance rates. A good driver about age 40 could pay as low as $810 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,760 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates from as many companies as possible. Each auto insurer calculates rates differently, so rate quotes will be varied.

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 Best Cheap Dodge Ram 2500 Insurance

Finding cheaper rates on Dodge Ram 2500 insurance takes not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by requesting quotes from direct carriers, and also from local independent and exclusive agents.

The following is a quick review of the data covered above.

• Drivers who require higher liability limits will pay approximately $590 each year to raise limits from a 30/60 limit to a 250/500 level
• Drivers can save as much as $140 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• Teens are expensive to insure, costing up to $408 each month if the policy includes full coverage