Dodge Ram 2500 Insurance Rates
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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
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The average insurance prices for a Dodge Ram 2500 are $1,150 every 12 months with full coverage. Comprehensive costs on average $186, collision insurance costs $250, and liability insurance is $534. Liability-only coverage costs around $588 a year, and high-risk coverage costs around $2,474. Teen drivers cost the most to insure at up to $4,630 a year.
Average premium for full coverage: $1,150
Policy rates by type of insurance:
Estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Ram 2500 models.
Price Range Variability
For a 40-year-old driver, Dodge Ram 2500 insurance rates range from the cheapest price of $588 for just liability insurance to the much higher price of $2,474 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas are shown to have more infrequent collision claims than larger metro areas. The example below illustrates how your location can change car insurance rates.
The examples above demonstrate why everyone should compare rates quotes based on a specific location and their own driving history, 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.
More Rate Details
The chart below details average Dodge Ram 2500 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $698
- Raising to $1,000 deductibles will save around $100 annually
- The average price for a good driver age 40 with $500 deductibles is $1,150
- Choosing pricier low deductibles increases the price to $1,338
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,474
- Policy cost to insure a teen driver for full coverage may cost $4,630
Insurance rates for a Dodge Ram 2500 also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Ram 2500.
Choosing high deductibles can reduce rates by up to $290 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,400 to $1,900 additional every year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers is expensive and can cost anywhere from 41% to 135% more than average. View High Risk Driver Rates
Your home state also has a big influence on Dodge Ram 2500 insurance rates. A middle-age driver might find rates as low as $830 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,550 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,040 | -$110 | -9.6% |
| Alaska | $884 | -$266 | -23.1% |
| Arizona | $954 | -$196 | -17.0% |
| Arkansas | $1,150 | -$0 | 0.0% |
| California | $1,310 | $160 | 13.9% |
| Colorado | $1,096 | -$54 | -4.7% |
| Connecticut | $1,182 | $32 | 2.8% |
| Delaware | $1,302 | $152 | 13.2% |
| Florida | $1,440 | $290 | 25.2% |
| Georgia | $1,062 | -$88 | -7.7% |
| Hawaii | $824 | -$326 | -28.3% |
| Idaho | $778 | -$372 | -32.3% |
| Illinois | $856 | -$294 | -25.6% |
| Indiana | $868 | -$282 | -24.5% |
| Iowa | $776 | -$374 | -32.5% |
| Kansas | $1,092 | -$58 | -5.0% |
| Kentucky | $1,568 | $418 | 36.3% |
| Louisiana | $1,704 | $554 | 48.2% |
| Maine | $712 | -$438 | -38.1% |
| Maryland | $950 | -$200 | -17.4% |
| Massachusetts | $920 | -$230 | -20.0% |
| Michigan | $1,994 | $844 | 73.4% |
| Minnesota | $962 | -$188 | -16.3% |
| Mississippi | $1,378 | $228 | 19.8% |
| Missouri | $1,020 | -$130 | -11.3% |
| Montana | $1,234 | $84 | 7.3% |
| Nebraska | $908 | -$242 | -21.0% |
| Nevada | $1,380 | $230 | 20.0% |
| New Hampshire | $830 | -$320 | -27.8% |
| New Jersey | $1,286 | $136 | 11.8% |
| New Mexico | $1,018 | -$132 | -11.5% |
| New York | $1,210 | $60 | 5.2% |
| North Carolina | $664 | -$486 | -42.3% |
| North Dakota | $942 | -$208 | -18.1% |
| Ohio | $792 | -$358 | -31.1% |
| Oklahoma | $1,180 | $30 | 2.6% |
| Oregon | $1,054 | -$96 | -8.3% |
| Pennsylvania | $1,096 | -$54 | -4.7% |
| Rhode Island | $1,534 | $384 | 33.4% |
| South Carolina | $1,044 | -$106 | -9.2% |
| South Dakota | $972 | -$178 | -15.5% |
| Tennessee | $1,006 | -$144 | -12.5% |
| Texas | $1,384 | $234 | 20.3% |
| Utah | $850 | -$300 | -26.1% |
| Vermont | $788 | -$362 | -31.5% |
| Virginia | $688 | -$462 | -40.2% |
| Washington | $886 | -$264 | -23.0% |
| West Virginia | $1,054 | -$96 | -8.3% |
| Wisconsin | $796 | -$354 | -30.8% |
| Wyoming | $1,024 | -$126 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Ram 2500 Crew Cab ST 2WD | $1,112 | $93 |
| Dodge Ram 2500 Crew Cab SLT 2WD | $1,130 | $94 |
| Dodge Ram 2500 Mega Cab SLT 2WD | $1,130 | $94 |
| Dodge Ram 2500 Crew Cab Laramie 2WD | $1,150 | $96 |
| Dodge Ram 2500 Crew Cab ST 2WD | $1,150 | $96 |
| Dodge Ram 2500 Mega Cab Laramie 2WD | $1,150 | $96 |
| Dodge Ram 2500 Crew Cab SLT 2WD | $1,166 | $97 |
| Dodge Ram 2500 Crew Cab ST 4WD | $1,108 | $92 |
| Dodge Ram 2500 Mega Cab SLT 2WD | $1,166 | $97 |
| Dodge Ram 2500 Crew Cab Laramie 2WD | $1,184 | $99 |
| Dodge Ram 2500 Crew Cab SLT 4WD | $1,126 | $94 |
| Dodge Ram 2500 Mega Cab Laramie 2WD | $1,184 | $99 |
| Dodge Ram 2500 Mega Cab SLT 4WD | $1,126 | $94 |
| Dodge Ram 2500 Crew Cab Laramie 4WD | $1,146 | $96 |
| Dodge Ram 2500 Crew Cab ST 4WD | $1,146 | $96 |
| Dodge Ram 2500 Mega Cab Laramie 4WD | $1,146 | $96 |
| Dodge Ram 2500 Crew Cab SLT 4WD | $1,164 | $97 |
| Dodge Ram 2500 Mega Cab SLT 4WD | $1,164 | $97 |
| Dodge Ram 2500 Crew Cab Laramie 4WD | $1,184 | $99 |
| Dodge Ram 2500 Mega Cab Laramie 4WD | $1,184 | $99 |
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 | $344 | $626 | $450 | $1,600 |
| 2023 Dodge Ram 2500 | $332 | $610 | $470 | $1,592 |
| 2022 Dodge Ram 2500 | $320 | $586 | $486 | $1,572 |
| 2021 Dodge Ram 2500 | $304 | $564 | $500 | $1,548 |
| 2020 Dodge Ram 2500 | $292 | $524 | $510 | $1,506 |
| 2019 Dodge Ram 2500 | $280 | $494 | $514 | $1,468 |
| 2018 Dodge Ram 2500 | $268 | $442 | $520 | $1,410 |
| 2017 Dodge Ram 2500 | $250 | $408 | $520 | $1,358 |
| 2016 Dodge Ram 2500 | $242 | $382 | $524 | $1,328 |
| 2015 Dodge Ram 2500 | $236 | $356 | $534 | $1,306 |
| 2014 Dodge Ram 2500 | $218 | $330 | $534 | $1,262 |
| 2013 Dodge Ram 2500 | $212 | $300 | $540 | $1,232 |
| 2012 Dodge Ram 2500 | $198 | $274 | $534 | $1,186 |
| 2011 Dodge Ram 2500 | $186 | $250 | $534 | $1,150 |
| 2010 Dodge Ram 2500 | $180 | $224 | $530 | $1,114 |
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 Shop for Low Cost Dodge Ram 2500 Insurance
Finding cheaper rates on Dodge Ram 2500 insurance consists of being a low-risk driver, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around at least once a year by getting quotes from direct companies, and also from local exclusive and independent agents.
The items below are a review of the primary concepts that were illustrated above.
- You may be able to save as much as $130 per year just by quoting online well ahead of the renewal date
- High-risk drivers who have several accidents or serious violations may pay on average $1,320 more each year to insure their Ram 2500
- Increasing comprehensive and collision deductibles could save as much as $300 each year
- Teen drivers pay higher rates, as much as $386 each month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,630 |
| 20 | $2,630 |
| 30 | $1,170 |
| 40 | $1,150 |
| 50 | $1,056 |
| 60 | $1,034 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,338 |
| $250 | $1,254 |
| $500 | $1,150 |
| $1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,150 |
| 50/100 | $1,291 |
| 100/300 | $1,424 |
| 250/500 | $1,771 |
| 100 CSL | $1,344 |
| 300 CSL | $1,638 |
| 500 CSL | $1,852 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,526 |
| 20 | $4,190 |
| 30 | $2,496 |
| 40 | $2,474 |
| 50 | $2,368 |
| 60 | $2,342 |
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 | $58 |
| Multi-vehicle | $62 |
| Homeowner | $20 |
| 5-yr Accident Free | $70 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $42 |
| Advance Quote | $50 |
| Online Quote | $78 |
| Total Discounts | $452 |
Discounts are estimated and may not be available from every company or in every state.
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