Dodge Ram 2500 Insurance Rates

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

Average premium for full coverage: $1,232

Premium estimates broken down by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. 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 the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on insurance prices.

These rate differences highlight why it is important to compare rates quotes for a targeted area and their own driving history, rather than using averaged prices.

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

Additional Rate Information

The chart below breaks down estimated Dodge Ram 2500 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $740
• Raising to $1,000 deductibles will save approximately $1,116 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,232
• Selecting low $100 deductibles costs an extra $224 each year
• Unlucky drivers with serious driving violations could pay up to $2,654 or more
• An auto insurance policy to insure a teenage driver can cost as much as $4,892

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Car insurance prices for a Dodge Ram 2500 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $340 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $486 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 135% more than the average policy. View High Risk Driver Rates

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 $950 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,760 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes and see how they stack up. Every auto insurance company calculates prices differently, so rate quotes will be substantially different.

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 Affordable Dodge Ram 2500 Insurance

Finding better rates on auto insurance consists of having a decent driving record, maintaining a good credit score, refrain from filing small claims, and not having any coverage lapses. Make time to compare rates every couple of years by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a brief review of the material that was touched on in this article.

• Consumers who want additional liability coverage will pay approximately $590 per year to raise from 30/60 bodily injury limits to a 250/500 level
• 16 to 18-year-old drivers have the highest car insurance prices, with the cost nearing $408 per month if the policy includes full coverage
• Drivers with DUI or reckless driving convictions may have to pay on average $1,420 more annually than a driver with a clean driving record
• Increasing policy deductibles could save as much as $350 each year