Dodge Ram 2500 Insurance Rates

U.S. average auto insurance rates for a Dodge Ram 2500 are $1,186 annually for full coverage insurance. Comprehensive insurance costs an estimated $198 a year, collision insurance costs $274, and liability is estimated at $534. Liability-only coverage costs approximately $588 a year, and high-risk coverage costs $2,556 or more. Teens pay the highest rates at up to $4,746 a year.

Average premium for full coverage: $1,186

Price estimates broken down by individual coverage:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and Ram 2500 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of insurance. More rural locations have fewer physical damage claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects insurance prices.

The ranges above illustrate why it is important to get quotes for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $715
• Choosing higher $1,000 deductibles can save approximately $1,078 each year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,186
• Selecting low $100 deductibles for comp and collision coverage costs an additional $206 annually
• Higher-risk drivers with serious driving violations could pay up to $2,556
• The price with full coverage for a 16-year-old driver can cost as much as $4,746 each year

View Chart as Image

Auto insurance prices for a Dodge Ram 2500 are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,400 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges from 42% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $320 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Dodge Ram 2500 insurance prices. A good driver about age 40 could pay as low as $780 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,600 on average in Florida, New York, 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 Buy More Affordable Dodge Ram 2500 Insurance

Getting lower rates on insurance for a Dodge Ram 2500 takes avoiding accidents and claims, having above-average credit, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a summary of the data that was presented in the illustrations above.

• It is possible to save approximately $130 per year just by quoting early and online
• Insureds who want increased liability limits will pay approximately $590 annually to raise limits from a low limit to higher 250/500 limits
• Drivers under the age of 20 are the costliest to insure, as much as $396 a month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,370 more annually to insure a Dodge Ram 2500