Dodge Ram 2500 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 25, 2024

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U.S. average insurance rates for a Dodge Ram 2500 are $1,232 a year with full coverage. Comprehensive insurance costs on average $212 a year, collision insurance costs $300, and liability costs around $540. A policy with just liability insurance costs as low as $592 a year, and coverage for high-risk drivers costs $2,654 or more. 16-year-old drivers pay the highest rates at up to $4,892 a year.

Average premium for full coverage: $1,232

Price estimates by individual coverage:

Comprehensive $212
Collision $300
Liability $540

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Ram 2500 trim levels.

Price Range from Low to High

For a 40-year-old driver, Dodge Ram 2500 insurance prices range from the low end price of $592 for the bare minimum liability coverage to a high of $2,654 for a driver required to buy high-risk insurance.

Liability Only $592
Full Coverage $1,232
High Risk $2,654

Geographic Price Range

Where you live can have significant affects on auto insurance rates. Rural areas have lower incidents of collision claims than congested cities. The diagram below illustrates how your location can change car insurance rates.

Rural Areas $924
Small Cities $1,294
Large Cities $1,663

The ranges above demonstrate why it is important to compare prices based on a specific location, instead of using rate 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 different risk profiles and scenarios.

  • The best full coverage rate is $740
  • Using higher $1,000 deductibles will save around $1,116 annually
  • The estimated price for the average middle-age driver with $500 deductibles is $1,232
  • Buying low $100 deductibles for physical damage coverage will cost an additional $224 every year
  • Drivers with multiple tickets or accidents could pay upwards of $2,654
  • The price that insures a teen driver may cost $4,892 or more

View Chart as Image

Dodge Ram 2500 insurance cost comparison chart
Column chart showing Dodge Ram 2500 insurance prices range from $740 to $4,892 for full coverage

Insurance prices for a Dodge Ram 2500 are also quite variable based on the trim level of your Ram 2500, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 135% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $4,800 a year. View Rates by Age

The state you live in has a huge impact on Dodge Ram 2500 insurance prices. A driver around age 40 might see prices as low as $890 a year in states like New Hampshire, Ohio, and Utah, or at least $1,660 on average in Florida, Michigan, and New York.

Dodge Ram 2500 Insurance Rates by State
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%

View Chart as Image

Dodge Ram 2500 insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $340 every year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $486 more per year. View Rates by Deductible or Liability Limit

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.

Dodge Ram 2500 Insurance Rates by Model Year
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 Find the Best Cheap Dodge Ram 2500 Insurance

Getting lower rates on car insurance requires avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Comparison shop at every policy renewal by getting price quotes from direct companies, and also from several local insurance agents.

The list below is a quick review of the data illustrated above.

  • Policyholders who require higher liability limits will pay around $590 every year to increase from a low limit to the 250/500 level
  • You may be able to save as much as $140 per year just by quoting early and online
  • Increasing physical damage deductibles can save approximately $350 each year
  • Teenagers pay the highest prices, costing up to $408 a month if full coverage is included

Rates by Driver Age

Dodge Ram 2500 Insurance 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

Dodge Ram 2500 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,456
$250 $1,354
$500 $1,232
$1,000 $1,116

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram 2500 Insurance Rates with Different Liability Limits
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

Dodge Ram 2500 Insurance 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.

SR-22 Surcharge $167

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
Rate after discounts $740

Discounts are estimated and may not be available from every company or in every state.

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