Dodge Ram 2500 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 25, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance rates for a Dodge Ram 2500 are $1,186 a year with full coverage. Comprehensive costs approximately $198 each year, collision insurance costs $274, and liability insurance costs around $534. Liability-only coverage costs as low as $588 a year, and high-risk coverage costs around $2,556. Teen drivers pay the highest rates at up to $4,746 a year.
Average premium for full coverage: $1,186
Price estimates by individual coverage:
Rate estimates include $500 deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Ram 2500 models.
Price Range from Low to High
For the average driver, Dodge Ram 2500 insurance prices range from as low as $588 for the bare minimum liability coverage to a high rate of $2,556 for a policy for a high-risk driver.
Geographic Price Range
Where you live has a significant impact on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas. The graphic below illustrates how location impacts auto insurance prices.
The ranges above demonstrate why all drivers should compare prices using their specific location and risk profile, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below details average Dodge Ram 2500 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $715
- Using higher $1,000 deductibles will save $108 annually
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,186
- Choosing low deductibles for physical damage coverage will increase the cost to $1,392
- Drivers with multiple violations and an at-fault accident could pay around $2,556
- The price for full coverage for a teen driver can cost $4,746 or more
Auto insurance prices for a Dodge Ram 2500 are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay in the ballpark of $4,700 a year. View Rates by Age
The state you live in has a huge impact on Dodge Ram 2500 insurance rates. A driver around age 40 might see prices as low as $860 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,600 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,074 | -$112 | -9.4% |
| Alaska | $910 | -$276 | -23.3% |
| Arizona | $986 | -$200 | -16.9% |
| Arkansas | $1,186 | -$0 | 0.0% |
| California | $1,354 | $168 | 14.2% |
| Colorado | $1,132 | -$54 | -4.6% |
| Connecticut | $1,220 | $34 | 2.9% |
| Delaware | $1,342 | $156 | 13.2% |
| Florida | $1,486 | $300 | 25.3% |
| Georgia | $1,098 | -$88 | -7.4% |
| Hawaii | $852 | -$334 | -28.2% |
| Idaho | $804 | -$382 | -32.2% |
| Illinois | $882 | -$304 | -25.6% |
| Indiana | $898 | -$288 | -24.3% |
| Iowa | $802 | -$384 | -32.4% |
| Kansas | $1,126 | -$60 | -5.1% |
| Kentucky | $1,618 | $432 | 36.4% |
| Louisiana | $1,758 | $572 | 48.2% |
| Maine | $734 | -$452 | -38.1% |
| Maryland | $980 | -$206 | -17.4% |
| Massachusetts | $948 | -$238 | -20.1% |
| Michigan | $2,060 | $874 | 73.7% |
| Minnesota | $994 | -$192 | -16.2% |
| Mississippi | $1,424 | $238 | 20.1% |
| Missouri | $1,052 | -$134 | -11.3% |
| Montana | $1,276 | $90 | 7.6% |
| Nebraska | $936 | -$250 | -21.1% |
| Nevada | $1,426 | $240 | 20.2% |
| New Hampshire | $856 | -$330 | -27.8% |
| New Jersey | $1,328 | $142 | 12.0% |
| New Mexico | $1,052 | -$134 | -11.3% |
| New York | $1,250 | $64 | 5.4% |
| North Carolina | $684 | -$502 | -42.3% |
| North Dakota | $972 | -$214 | -18.0% |
| Ohio | $818 | -$368 | -31.0% |
| Oklahoma | $1,218 | $32 | 2.7% |
| Oregon | $1,088 | -$98 | -8.3% |
| Pennsylvania | $1,132 | -$54 | -4.6% |
| Rhode Island | $1,582 | $396 | 33.4% |
| South Carolina | $1,076 | -$110 | -9.3% |
| South Dakota | $1,004 | -$182 | -15.3% |
| Tennessee | $1,038 | -$148 | -12.5% |
| Texas | $1,428 | $242 | 20.4% |
| Utah | $878 | -$308 | -26.0% |
| Vermont | $814 | -$372 | -31.4% |
| Virginia | $708 | -$478 | -40.3% |
| Washington | $916 | -$270 | -22.8% |
| West Virginia | $1,088 | -$98 | -8.3% |
| Wisconsin | $822 | -$364 | -30.7% |
| Wyoming | $1,056 | -$130 | -11.0% |
Choosing high deductibles could cut prices by as much as $320 each year, whereas increasing liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 131% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Ram 2500 Crew Cab ST 2WD | $1,146 | $96 |
| Dodge Ram 2500 Crew Cab SLT 2WD | $1,164 | $97 |
| Dodge Ram 2500 Mega Cab SLT 2WD | $1,164 | $97 |
| Dodge Ram 2500 Crew Cab Laramie 2WD | $1,186 | $99 |
| Dodge Ram 2500 Crew Cab ST 2WD | $1,186 | $99 |
| Dodge Ram 2500 Mega Cab Laramie 2WD | $1,186 | $99 |
| Dodge Ram 2500 Crew Cab SLT 2WD | $1,206 | $101 |
| Dodge Ram 2500 Crew Cab ST 4WD | $1,142 | $95 |
| Dodge Ram 2500 Mega Cab SLT 2WD | $1,206 | $101 |
| Dodge Ram 2500 Crew Cab Laramie 2WD | $1,226 | $102 |
| Dodge Ram 2500 Crew Cab SLT 4WD | $1,160 | $97 |
| Dodge Ram 2500 Mega Cab Laramie 2WD | $1,226 | $102 |
| Dodge Ram 2500 Mega Cab SLT 4WD | $1,160 | $97 |
| Dodge Ram 2500 Crew Cab Laramie 4WD | $1,182 | $99 |
| Dodge Ram 2500 Crew Cab ST 4WD | $1,182 | $99 |
| Dodge Ram 2500 Mega Cab Laramie 4WD | $1,182 | $99 |
| Dodge Ram 2500 Crew Cab SLT 4WD | $1,200 | $100 |
| Dodge Ram 2500 Mega Cab SLT 4WD | $1,200 | $100 |
| Dodge Ram 2500 Crew Cab Laramie 4WD | $1,222 | $102 |
| Dodge Ram 2500 Mega Cab Laramie 4WD | $1,222 | $102 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Dodge Ram 2500 | $358 | $630 | $440 | $1,608 |
| 2023 Dodge Ram 2500 | $344 | $626 | $450 | $1,600 |
| 2022 Dodge Ram 2500 | $332 | $610 | $470 | $1,592 |
| 2021 Dodge Ram 2500 | $320 | $586 | $486 | $1,572 |
| 2020 Dodge Ram 2500 | $304 | $564 | $500 | $1,548 |
| 2019 Dodge Ram 2500 | $292 | $524 | $510 | $1,506 |
| 2018 Dodge Ram 2500 | $280 | $494 | $514 | $1,468 |
| 2017 Dodge Ram 2500 | $268 | $442 | $520 | $1,410 |
| 2016 Dodge Ram 2500 | $250 | $408 | $520 | $1,358 |
| 2015 Dodge Ram 2500 | $242 | $382 | $524 | $1,328 |
| 2014 Dodge Ram 2500 | $236 | $356 | $534 | $1,306 |
| 2013 Dodge Ram 2500 | $218 | $330 | $534 | $1,262 |
| 2012 Dodge Ram 2500 | $212 | $300 | $540 | $1,232 |
| 2011 Dodge Ram 2500 | $198 | $274 | $534 | $1,186 |
| 2010 Dodge Ram 2500 | $186 | $250 | $534 | $1,150 |
Rates are averaged for all Dodge Ram 2500 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Dodge Ram 2500 Insurance
Getting lower rates on Dodge Ram 2500 insurance requires not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and possibly higher deductibles. Spend time shopping around every year by requesting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The following is a brief recap of the coverage data touched on above.
- You may be able to save around $130 per year just by quoting online in advance
- Increasing physical damage deductibles can save around $325 each year
- Teens have the highest car insurance prices, costing up to $396 a month if they have full coverage
- High-risk drivers who tend to receive serious violations pay on average $1,370 more per year for Ram 2500 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,746 |
| 20 | $2,716 |
| 30 | $1,210 |
| 40 | $1,186 |
| 50 | $1,090 |
| 60 | $1,068 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,392 |
| $250 | $1,298 |
| $500 | $1,186 |
| $1,000 | $1,078 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,186 |
| 50/100 | $1,329 |
| 100/300 | $1,462 |
| 250/500 | $1,809 |
| 100 CSL | $1,382 |
| 300 CSL | $1,676 |
| 500 CSL | $1,890 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,700 |
| 20 | $4,328 |
| 30 | $2,580 |
| 40 | $2,556 |
| 50 | $2,446 |
| 60 | $2,420 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $60 |
| Multi-vehicle | $64 |
| Homeowner | $21 |
| 5-yr Accident Free | $74 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $44 |
| Advance Quote | $53 |
| Online Quote | $80 |
| Total Discounts | $471 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
