Cheap Dodge Ram Wagon 2500 Car Insurance in 2024 (10 Most Affordable Providers)
Cheap Dodge Ram Wagon 2500 car insurance can be found with USAA, Erie, and AAA. USAA offers top overall rates at $52 per month, Erie is known for exceptional customer service, while AAA provides excellent roadside assistance, making them great options for insuring your Dodge Ram Wagon.
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UPDATED: Jul 22, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jul 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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6,435 reviewsCompany Facts
Min. Coverage for Dodge Ram Wagon 2500
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
1,814 reviewsCompany Facts
Min. Coverage for Dodge Ram Wagon 2500
A.M. Best Rating
Complaint Level
Pros & Cons
1,814 reviews
2,934 reviewsCompany Facts
Min. Coverage for Dodge Ram Wagon 2500
A.M. Best Rating
Complaint Level
Pros & Cons
2,934 reviewsThe cheapest providers for Dodge Ram Wagon 2500 car insurance are USAA, Erie, and AAA, with USAA offering the best overall rates at $52 per month.
This article explores various factors affecting insurance costs for this vehicle, including coverage options, personal and location-based factors, and specific vehicle attributes. Additionally, it provides insights into the best insurance providers for military families, excellent customer service, and outstanding roadside assistance.
Our Top 10 Company Picks: Cheap Dodge Ram Wagon 2500 Car Insurance
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $52 | A++ | Military Savings | USAA |
 | #2 | $59 | A+ | Customer Service | Erie |
 | #3 | $66 | A | Roadside Assistance | AAA |
 | #4 | $70 | A | Online Tools | Safeco |
 | #5 | $74 | A++ | Add-Ons | Auto-Owners |
 | #6 | $80 | A+ | Loyalty Rewards | Progressive |
 | #7 | $88 | A+ | Tailored Policies | The Hartford |
 | #8 | $96 | A | Claims Service | American Family |
 | #9 | $110 | A | Safe-Driving Discounts | Farmers |
 | #10 | $124 | A+ | Local Agents | Allstate |
By comparing quotes from these top companies, you can find the most affordable and comprehensive coverage for your Dodge Ram Wagon 2500. Shop for the best liability-only car insurance with our free quote comparison tool. Enter your ZIP code above to begin.
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#1 – USAA: Top Overall Pick
Pros
- Military Savings: USAA is renowned for offering exceptional discounts and benefits to military members and their families.
- Low Rates: At $52 per month, USAA provides some of the most affordable rates for Dodge Ram Wagon 2500 insurance. Dive into the details with our article titled: “USAA Insurance Review & Ratings.”
- Excellent Customer Service: USAA consistently receives high marks for its customer service, ensuring a positive experience for policyholders.
- A++ Rating: With an A++ rating from A.M. Best, USAA demonstrates superior financial strength and stability.
Cons
- Eligibility Restrictions: USAA insurance is only available to military members, veterans, and their families, limiting access for the general public.
- Limited Local Offices: Unlike some competitors, USAA has fewer local branches, which may be inconvenient for those preferring in-person assistance.
#2 – Erie: Best for Customer Service
Pros
- Customer Service: Erie is highly rated for its excellent customer service, providing personalized and attentive support.
- Affordable Rates: At $59 per month, Erie offers competitive rates for insuring the Dodge Ram Wagon 2500.
- A+ Rating: Erie holds an A+ rating from A.M. Best, indicating strong financial health and reliability.
- Comprehensive Coverage Options: Erie offers a variety of coverage options and add-ons, allowing customers to tailor their policies to their needs.
Cons
- Limited Availability: Erie’s insurance products are not available nationwide, restricting access to certain regions. Gain deeper insights by perusing our article named: “Erie Insurance Review & Ratings.”
- Online Tools: Erie’s online tools and digital resources are less robust compared to some competitors, potentially making it harder for tech-savvy customers to manage their policies.
#3 – AAA: Best for Roadside Assistance
Pros
- Roadside Assistance: AAA is well-known for its exceptional roadside assistance services, which can be a major benefit for drivers.
- Member Discounts: AAA offers various discounts to members, which can help lower the overall cost of insurance.
- A Rating: With an A rating from A.M. Best, AAA is financially stable and reliable. Explore further in our article titled: “AAA Insurance Review & Ratings.”
- Extensive Network: AAA has a large network of local offices, making it convenient for customers to receive in-person service.
Cons
- Higher Rates: At $66 per month, AAA’s rates are higher than some competitors.
- Membership Requirement: Insurance through AAA often requires a membership, which involves an additional annual fee.
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#4 – Safeco: Best for Online Tools
Pros
- Online Tools: Safeco provides robust online tools, making it easy for customers to manage their policies and file claims online.
- Variety of Discounts: Safeco offers numerous discounts, which can help reduce insurance costs.
- A Rating: Safeco holds an A rating from A.M. Best, reflecting its solid financial footing.
- Customizable Policies: Safeco allows for significant customization of policies, catering to individual needs and preferences.
Cons
- Rates: At $70 per month, Safeco’s rates are relatively higher compared to some of the lower-priced competitors. Delve into the specifics in our article called: “Safeco Insurance Review & Ratings.”
- Customer Service: While not poor, Safeco’s customer service ratings are not as high as some of the other top providers.
#5 – Auto-Owners: Best for Add-Ons
Pros
- Add-Ons: Auto-Owners offers a wide range of add-ons, allowing for highly customizable coverage.
- A++ Rating: With an A++ rating from A.M. Best, Auto-Owners is one of the most financially stable insurers.
- Competitive Rates: At $74 per month, Auto-Owners provides competitive rates for Dodge Ram Wagon 2500 insurance.
- Strong Claims Service: Auto-Owners is known for its efficient and customer-friendly claims process.
Cons
- Availability: For a comprehensive understanding, consult our article titled: “Auto-Owners Insurance Review & Ratings.” is not available in all states, which can limit access for some potential customers.
- Digital Experience: The company’s digital tools and online services are not as advanced as some other insurers, which may be a drawback for tech-oriented users.
#6 – Progressive: Best for Loyalty Rewards
Pros
- Loyalty Rewards: Progressive offers various loyalty rewards and discounts for long-term customers. Enhance your knowledge by reading our: Progressive insurance review & ratings
- Strong Online Presence: Progressive has excellent online tools and mobile apps, making it easy to manage policies and file claims.
- A+ Rating: With an A+ rating from A.M. Best, Progressive is financially strong and dependable.
- Snapshot Program: Progressive’s usage-based Snapshot program can lead to additional savings for safe drivers.
Cons
- Rates: At $80 per month, Progressive’s rates are higher than several other top insurers.
- Customer Service Variability: Customer service experiences can vary, with some customers reporting less satisfaction compared to other insurers.
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#7 – The Hartford: Best for Tailored Policies
Pros
- Tailored Policies: The Hartford offers policies tailored to the specific needs of various customers, including AARP members.
- A+ Rating: The Hartford’s A+ rating from A.M. Best indicates strong financial health and reliability. Uncover more by delving into our article entitled: “The Hartford Insurance Review & Ratings.”
- Good Customer Service: The company is known for its excellent customer service, particularly for older adults.
- Comprehensive Coverage Options: Offers a wide range of coverage options and endorsements to suit individual needs.
Cons
- Higher Premiums: At $88 per month, The Hartford’s premiums are on the higher side.
- Eligibility for Some Discounts: Some discounts may only be available to AARP members, limiting access for non-members.
#8 – American Family: Best for Claims Service
Pros
- Claims Service: American Family is highly regarded for its efficient and supportive claims service.
- A Rating: Holding an A rating from A.M. Best, American Family is financially secure.
- Discounts: The company offers a variety of discounts that can help lower insurance costs.
- Local Agents: American Family has a strong network of local agents, providing personalized service.
Cons
- Rates: At $96 per month, American Family’s rates are relatively high. Get a better grasp by checking out our article titled: “American Family Insurance Review & Ratings.”
- Coverage Area: American Family does not operate in all states, limiting availability for some customers.
#9 – Farmers: Best for Safe-Driving Discounts
Pros
- Safe-Driving Discounts: Farmers offers substantial discounts for safe driving, helping to reduce premiums. Expand your understanding with our article called: “Farmers Car Insurance Review & Ratings.”
- A Rating: With an A rating from A.M. Best, Farmers is a reliable and financially stable insurer.
- Comprehensive Coverage Options: Farmers provides a wide range of coverage options, allowing for customization.
- Strong Customer Support: Known for good customer service and support through a network of local agents.
Cons
- High Rates: At $110 per month, Farmers has some of the higher rates among the top insurers.
- Digital Tools: Farmers’ digital tools and online experience are not as advanced as some other providers.
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#10 – Allstate: Best for Local Agents
Pros
- Local Agents: Allstate has a vast network of local agents, offering personalized service and support. For additional insights, refer to our: “Allstate Insurance Review & Ratings.”
- A+ Rating: Allstate holds an A+ rating from A.M. Best, indicating strong financial stability.
- Discounts: Offers various discounts that can help reduce overall insurance costs.
- Good Digital Tools: Allstate provides strong digital tools and a user-friendly mobile app for managing policies and claims.
Cons
- Rates: At $124 per month, Allstate’s rates are the highest among the top insurers.
- Customer Service Variability: Customer service experiences can vary widely, with some customers reporting less satisfaction compared to others.
Understanding The Factors That Influence Dodge Ram Wagon 2500 Car Insurance Rates
When determining car insurance rates for a Dodge Ram Wagon 2500, several factors are considered. Gain deeper insights by perusing our article named Cheap Dodge Ram Wagon 3500 Car Insurance.
These include the vehicle’s value, repair costs, safety features, and theft rates. Personal factors such as your driving record, age, gender, and credit score also play a role.
Location significantly impacts rates; areas with high crime rates or accident frequency lead to higher premiums. Additionally, the vehicle’s usage influences costs; lower annual mileage for personal use can reduce premiums, while business use or high mileage can increase them due to higher perceived risk.
Comparing Car Insurance Quotes for the Dodge Ram Wagon 2500
Comparing car insurance Comparing quotes from various insurance providers is crucial for securing the best coverage at a reasonable price. Since insurance rates can vary widely among companies, obtaining multiple quotes and reviewing their coverage options is important. Dive into the details with our article entitled “Cheap Dodge Ram Van 1500 Car Insurance.”
Dodge Ram Wagon 2500 Car Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $66 | $150 |
| Allstate | $124 | $210 |
| American Family | $96 | $189 |
| Auto-Owners | $74 | $167 |
| Erie | $59 | $146 |
| Farmers | $110 | $196 |
| Progressive | $80 | $172 |
| Safeco | $70 | $158 |
| The Hartford | $88 | $180 |
| USAA | $52 | $133 |
When comparing car insurance quotes for the Dodge Ram Wagon 2500, it’s crucial to account for factors unique to this vehicle.
The Dodge Ram Wagon 2500 is a large, heavy-duty van that may necessitate specialized coverage. Some insurance companies might offer specific policies designed for commercial or utility vehicles like the Ram Wagon 2500, providing extra protection for its distinctive features and usage.
Additionally, insuring a vehicle like the Ram Wagon 2500 may be more expensive due to its size and potential for causing more damage in an accident.
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The Year of the Dodge Ram Wagon 2500 Affects Car Insurance Costs
The age of your Dodge Ram Wagon 2500 can impact insurance expenses, with newer models typically resulting in higher premiums due to their increased market value and repair expenses. Explore further in our article titled “Cheap Dodge Ram Van 3500 Car Insurance.”
Insurers take into account factors like parts availability, safety features, and overall risk when determining rates for each model year. Moreover, newer versions may incur higher comprehensive and collision coverage costs due to potentially pricier repairs and replacement parts.
It’s crucial to compare quotes from various insurers to secure the most suitable coverage and rates for your particular Dodge Ram Wagon 2500 model.
Exploring the Different Coverage Options for Dodge Ram Wagon 2500 Car Insurance
Understanding your needs and preferences is essential as car insurance options for a Dodge Ram Wagon 2500 may differ. Typical coverage types comprise liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
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Liability insurance is fundamental, mandated by law in many states, covering expenses resulting from accidents you cause. Conversely, collision coverage pays for your Dodge Ram Wagon 2500’s repairs after a collision, while comprehensive coverage protects against non-collision incidents like theft or vandalism. Uninsured/underinsured motorist coverage is crucial if you encounter a driver lacking adequate insurance.
Grasping these coverage types aids in selecting suitable insurance for your Dodge Ram Wagon 2500, ensuring comprehensive road protection. Delve into the specifics in our article called “Cheap Dodge Ram Van 2500 Car Insurance.”
Additionally, the cost of repair parts and the vehicle’s safety features also play a role in determining the insurance rates for a particular model.
Another factor that can impact insurance rates for the Dodge Ram Wagon 2500 is the age of the vehicle. Older models may have higher insurance rates due to the increased likelihood of mechanical issues or the need for more expensive repairs.
On the other hand, newer models with advanced safety features and technology may qualify for discounts or lower rates. For a comprehensive understanding, consult our article titled “Cheap Ram ProMaster Cargo Van Car Insurance.”
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The Significance of Your Driving Record When Insuring a Dodge Ram Wagon 2500
When securing insurance for a Dodge Ram Wagon 2500, your driving history is crucial, as insurance companies evaluate it to gauge your risk level. Having a clean driving record devoid of accidents or traffic violations usually leads to lower insurance premiums, whereas a history of such incidents may result in higher rates. premiums.
USAA offers the best overall rates for Dodge Ram Wagon 2500 insurance at just $52 per month.”
Insurance companies may also take into account the duration since your most recent accident or traffic offense when calculating your insurance premiums, potentially leading to higher rates if you’ve had recent incidents compared to those with a clean driving history over an extended period.
Ensuring a safe driving record is crucial for securing cost-effective insurance premiums for your Dodge Ram Wagon 2500. For further details, consult our article named “How much does Dodge Viper car insurance cost?”
Investigating the Average Cost of Car Insurance for a Dodge Ram Wagon 2500
By understanding the factors that influence your Dodge Ram Wagon 2500’s insurance rates and comparing quotes from top providers like USAA, Erie, and AAA, you can find the most affordable and comprehensive coverage for your needs. Enhance your knowledge by reading our “Cheap Dodge Challenger Car Insurance.”
Use online tools and consult with agents to ensure you’re getting the best deal. See if you’re getting the best deal on car insurance by entering your ZIP code below
Summary of Cheap Dodge Ram Wagon 2500 Car Insurance
Finding affordable insurance for a Dodge Ram Wagon 2500 in 2024 is possible with providers like USAA, Erie, and AAA. USAA offers the lowest rates at $52 per month, particularly beneficial for military families. Erie is renowned for excellent customer service, and AAA is noted for its outstanding roadside assistance. Find out more by reading our article titled:
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Frequently Asked Questions
Are Dodge Ram Wagon 2500s generally pricier to insure compared to other vehicles?
Yes, due to its size and potential repair costs, insuring a Dodge Ram Wagon 2500 might typically incur higher costs than insuring certain other vehicles. However, insurance premiums can differ depending on the driver’s profile and other elements. Gain insights by reading our article titled “Cheap Dodge Sprinter 2500 Cargo Car Insurance.”
Is it feasible to obtain more affordable car insurance for a Dodge Ram Wagon 2500?
Certainly, there are methods to potentially lower the cost of car insurance for a Dodge Ram Wagon 2500. Some suggestions include maintaining a spotless driving record, selecting a higher deductible, consolidating insurance policies, and comparing quotes from multiple insurance providers.
What are some suggested insurance companies for insuring a Dodge Ram Wagon 2500?
Several insurance companies extend coverage for Dodge Ram Wagons 2500. Notable choices include USAA, Erie, AAA, State Farm, Geico, Progressive, Allstate, and Farmers Insurance. It’s advisable to compare quotes from various insurers to pinpoint the most competitive rates and coverage for your specific requirements.
Does the cost of car insurance for a Dodge Ram Wagon 2500 fluctuate by location?
Yes, the cost of car insurance for a Dodge Ram Wagon 2500 can fluctuate depending on the location. Urban areas or regions with higher rates of accidents and theft might have higher insurance rates. See if you’re getting the best deal on car insurance by entering your ZIP code below.
Can I lower the insurance premium for my Dodge Ram Wagon 2500?
Yes, you can potentially reduce insurance costs by maintaining a clean driving record, opting for a higher deductible, bundling policies, and comparing quotes from multiple insurers.
Is it necessary to have comprehensive coverage for a Dodge Ram Wagon 2500?
Comprehensive coverage might be advisable for a Dodge Ram Wagon 2500 due to its potential repair costs in case of accidents or damage. It offers protection against non-collision incidents like theft or vandalism.
Does the age of the driver affect insurance rates for a Dodge Ram Wagon 2500?
Yes, younger drivers typically face higher insurance rates due to perceived higher risk. Older drivers with a good driving record might enjoy lower premiums.
Do insurance rates differ for leased or financed Dodge Ram Wagons 2500?
Yes, leased or financed vehicles might require comprehensive and collision coverage, which could affect insurance rates. Lenders often mandate these coverages to protect their investment. Deepen your understanding with our article called “Cheap Dodge Sprinter 2500 Passenger Car Insurance.”
Can I get a discount for safety features installed in my Dodge Ram Wagon 2500?
Yes, some insurers offer discounts for safety features like anti-lock brakes, airbags, and anti-theft systems. These features can reduce the risk of accidents and theft, leading to lower premiums.
Will adding additional drivers to my policy increase insurance costs for my Dodge Ram Wagon 2500?
Adding additional drivers might increase costs, especially if they are considered high-risk. The driving records and ages of the additional drivers will influence the overall premium.
Does my credit score affect insurance rates for a Dodge Ram Wagon 2500?
Some insurers consider credit scores when determining rates, so a good credit score might result in lower premiums. A poor credit score could lead to higher rates.
Are there specific insurance companies that specialize in insuring Dodge Ram Wagons 2500?
While there might not be specific companies exclusively for Dodge Ram Wagons 2500, various insurers offer coverage for this vehicle type. It’s best to compare quotes from different providers to find the best coverage. For further details, consult our article named “Cheap Freightliner Sprinter 2500 Cargo Car Insurance.”
How does the location affect insurance rates for a Dodge Ram Wagon 2500?
Insurance rates can be higher in urban areas or regions with high crime rates and accident frequencies. Rural areas with fewer incidents might have lower premiums.
Can I adjust my coverage limits to lower insurance costs for my Dodge Ram Wagon 2500?
Yes, adjusting coverage limits can impact premiums, but it’s essential to ensure adequate coverage for protection. Lowering limits might reduce premiums but can leave you underinsured.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
