Dodge Ram 2500 Insurance Rates

Average auto insurance rates for a Dodge Ram 2500 are $1,186 annually for full coverage insurance. Comprehensive insurance costs around $198, collision insurance costs $274, and liability is $534. A policy with just liability insurance costs around $588 a year, and coverage for high-risk drivers costs $2,556 or more. 16-year-old drivers receive the highest rates at up to $4,746 a year.

Average premium for full coverage: $1,186

Rate estimates for individual coverage type:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different Ram 2500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than congested cities. The price range example below illustrates how location helps determine auto insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, instead of using rate averages.

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

Additional Rate Analysis

The chart below illustrates average Dodge Ram 2500 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $715
• Raising to $1,000 deductibles will save about $108 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,186
• Buying more expensive low deductibles costs an additional $206 every year
• At-risk drivers with multiple tickets or accidents could pay at least $2,556
• The cost with full coverage for a teen driver with full coverage can be $4,746

View Chart as Image

Insurance rates for a Dodge Ram 2500 can also vary considerably based on the trim level of your Ram 2500, your risk profile, and deductibles and policy limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,400 to $2,000 additional per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $320 every year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $480 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Dodge Ram 2500 insurance prices. A middle-age driver might find rates as low as $780 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,600 on average in Michigan, New York, and Florida.

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 the Best Dodge Ram 2500 Insurance

Saving money on car insurance consists of being a good driver, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates every other policy renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following list is a brief recap of the ideas that were covered in the charts and tables above.

• Drivers age 16 to 20 are charged the highest rates, costing up to $396 per month if they have full coverage
• Higher risk drivers who tend to receive serious violations pay on average $1,370 more every year than a safer driver
• Increasing deductibles could save up to $325 each year
• It is possible to save up to $130 per year just by shopping early and online