Dodge Ram 2500 Insurance Rates
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UPDATED: Apr 25, 2024
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The average auto insurance rates for a Dodge Ram 2500 are $1,232 annually for full coverage. Comprehensive costs an estimated $212 each year, collision insurance costs $300, and liability insurance costs around $540. A liability-only policy costs as low as $592 a year, and high-risk insurance costs around $2,654. Teenage drivers cost the most to insure at up to $4,892 a year.
Average premium for full coverage: $1,232
Policy rates broken down by type of insurance:
These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Ram 2500 models.
Price Range Variability
Using a middle-aged driver as an example, Dodge Ram 2500 insurance rates range from as cheap as $592 for the bare minimum liability coverage to a high rate of $2,654 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live has a significant impact on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities. The graphic below illustrates how where you live affects insurance prices.
The examples above show why all drivers should compare prices for a targeted area and their own personal driving habits, rather than relying on average rates.
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 shows average Dodge Ram 2500 insurance rates for other coverage scenarios.
- The best discount rate is $740
- Using higher $1,000 deductibles will save approximately $116 a year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,232
- Using low deductibles for physical damage coverage will cost $1,456
- Drivers who are prone to accidents and violations could pay up to $2,654
- Policy cost with full coverage for a teen driver can cost as much as $4,892 or more
Car insurance rates for a Dodge Ram 2500 also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.
More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $4,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $340 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $486 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Dodge Ram 2500 insurance rates. A driver around age 40 might see rates as low as $810 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,760 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,114 | -$118 | -9.6% |
| Alaska | $946 | -$286 | -23.2% |
| Arizona | $1,024 | -$208 | -16.9% |
| Arkansas | $1,232 | -$0 | 0.0% |
| California | $1,404 | $172 | 14.0% |
| Colorado | $1,176 | -$56 | -4.5% |
| Connecticut | $1,264 | $32 | 2.6% |
| Delaware | $1,394 | $162 | 13.1% |
| Florida | $1,542 | $310 | 25.2% |
| Georgia | $1,138 | -$94 | -7.6% |
| Hawaii | $884 | -$348 | -28.2% |
| Idaho | $836 | -$396 | -32.1% |
| Illinois | $916 | -$316 | -25.6% |
| Indiana | $928 | -$304 | -24.7% |
| Iowa | $830 | -$402 | -32.6% |
| Kansas | $1,170 | -$62 | -5.0% |
| Kentucky | $1,680 | $448 | 36.4% |
| Louisiana | $1,824 | $592 | 48.1% |
| Maine | $762 | -$470 | -38.1% |
| Maryland | $1,018 | -$214 | -17.4% |
| Massachusetts | $984 | -$248 | -20.1% |
| Michigan | $2,140 | $908 | 73.7% |
| Minnesota | $1,032 | -$200 | -16.2% |
| Mississippi | $1,478 | $246 | 20.0% |
| Missouri | $1,092 | -$140 | -11.4% |
| Montana | $1,322 | $90 | 7.3% |
| Nebraska | $972 | -$260 | -21.1% |
| Nevada | $1,478 | $246 | 20.0% |
| New Hampshire | $888 | -$344 | -27.9% |
| New Jersey | $1,378 | $146 | 11.9% |
| New Mexico | $1,090 | -$142 | -11.5% |
| New York | $1,298 | $66 | 5.4% |
| North Carolina | $708 | -$524 | -42.5% |
| North Dakota | $1,010 | -$222 | -18.0% |
| Ohio | $850 | -$382 | -31.0% |
| Oklahoma | $1,264 | $32 | 2.6% |
| Oregon | $1,130 | -$102 | -8.3% |
| Pennsylvania | $1,174 | -$58 | -4.7% |
| Rhode Island | $1,644 | $412 | 33.4% |
| South Carolina | $1,116 | -$116 | -9.4% |
| South Dakota | $1,042 | -$190 | -15.4% |
| Tennessee | $1,076 | -$156 | -12.7% |
| Texas | $1,484 | $252 | 20.5% |
| Utah | $912 | -$320 | -26.0% |
| Vermont | $844 | -$388 | -31.5% |
| Virginia | $738 | -$494 | -40.1% |
| Washington | $950 | -$282 | -22.9% |
| West Virginia | $1,130 | -$102 | -8.3% |
| Wisconsin | $854 | -$378 | -30.7% |
| Wyoming | $1,098 | -$134 | -10.9% |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Dodge Ram 2500 | $376 | $656 | $420 | $1,632 |
| 2023 Dodge Ram 2500 | $358 | $630 | $440 | $1,608 |
| 2022 Dodge Ram 2500 | $344 | $626 | $450 | $1,600 |
| 2021 Dodge Ram 2500 | $332 | $610 | $470 | $1,592 |
| 2020 Dodge Ram 2500 | $320 | $586 | $486 | $1,572 |
| 2019 Dodge Ram 2500 | $304 | $564 | $500 | $1,548 |
| 2018 Dodge Ram 2500 | $292 | $524 | $510 | $1,506 |
| 2017 Dodge Ram 2500 | $280 | $494 | $514 | $1,468 |
| 2016 Dodge Ram 2500 | $268 | $442 | $520 | $1,410 |
| 2015 Dodge Ram 2500 | $250 | $408 | $520 | $1,358 |
| 2014 Dodge Ram 2500 | $242 | $382 | $524 | $1,328 |
| 2013 Dodge Ram 2500 | $236 | $356 | $534 | $1,306 |
| 2012 Dodge Ram 2500 | $218 | $330 | $534 | $1,262 |
| 2011 Dodge Ram 2500 | $212 | $300 | $540 | $1,232 |
| 2010 Dodge Ram 2500 | $198 | $274 | $534 | $1,186 |
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 Buy Cheap Dodge Ram 2500 Insurance
Finding cheaper rates on Dodge Ram 2500 insurance requires avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to comparison shop every other policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The list below is a brief summary of the ideas that were touched on in the above illustrations.
- Teenagers have the highest car insurance rates, costing up to $408 each month if comprehensive and collision insurance is included
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,420 more annually for car insurance
- Increasing comprehensive and collision deductibles could save up to $350 each year
- Drivers can save approximately $140 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,892 |
| 20 | $2,818 |
| 30 | $1,258 |
| 40 | $1,232 |
| 50 | $1,130 |
| 60 | $1,108 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,456 |
| $250 | $1,354 |
| $500 | $1,232 |
| $1,000 | $1,116 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,232 |
| 50/100 | $1,378 |
| 100/300 | $1,513 |
| 250/500 | $1,864 |
| 100 CSL | $1,432 |
| 300 CSL | $1,729 |
| 500 CSL | $1,945 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,912 |
| 20 | $4,494 |
| 30 | $2,684 |
| 40 | $2,654 |
| 50 | $2,536 |
| 60 | $2,512 |
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 | $63 |
| Multi-vehicle | $66 |
| Homeowner | $21 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $47 |
| Advance Quote | $55 |
| Online Quote | $84 |
| Total Discounts | $492 |
Discounts are estimated and may not be available from every company or in every state.
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