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1995 Dodge Ram Pickup 2500 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 19, 2020

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Average insurance rates for a 1995 Dodge Ram 2500 are $1,022 a year including full coverage. Comprehensive insurance costs an estimated $154 a year, collision costs $188, and liability costs around $500. Buying a liability-only policy costs as low as $560 a year, with high-risk insurance costing $2,188 or more. Teen drivers receive the highest rates at $4,182 a year or more.

Annual premium for full coverage: $1,022

Rate estimates for 1995 Dodge Ram 2500 Insurance

Comprehensive $154
Collision $188
Liability $500

Rate data is compiled from all 50 U.S. states and averaged for all 1995 Dodge Ram 2500 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $560 for just liability coverage to a high of $2,188 for a driver that may need high-risk insurance.

Liability Only $560
Full Coverage $1,022
High Risk $2,188

View Chart as Image

1995 Dodge Ram 2500 insurance rates compared
Column chart showing 1995 Dodge Ram 2500 insurance prices range from $631 to $4,182 for full coverage

These differences highlight why it is important for drivers to compare prices for a targeted area and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1995 Dodge Ram 2500 Insurance

Searching Companies

Shopping for car insurance is not a chore car owners appreciate, but unfortunately it’s required to legally drive.

It is always a good idea to price shop coverage occasionally because rates are adjusted regularly by insurance companies. Even if you think you had the lowest rates for Ram pickup coverage a few years ago there is a good chance you can find better rates now. Ignore everything you know about auto insurance because we’re going to demonstrate one of the quickest ways to reduce your cost while improving coverage.

Discounts are available to cut your rates

Companies don’t list all their discounts in a way that’s easy to find, so we researched both well-publicized and the more hidden insurance coverage savings.

  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for Ram pickup coverage than their less cautious counterparts.
  • Seat Belt Usage – Requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • No Accidents – Good drivers with no accidents can earn big discounts when compared with frequent claim filers.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% for Ram pickup coverage with certain companies.

Keep in mind that most discount credits are not given to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way.

To see a list of companies offering insurance coverage discounts, click here to view.

Dodge Ram Pickup 2500 rate determination is complex

An important part of buying insurance is that you know the rating factors that help determine auto insurance rates. Understanding what impacts premium levels allows you to make educated decisions that can help you get lower auto insurance prices.

  • Car features impact rates – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
  • Multiple policies with one company can save – Many insurance companies will award you with lower prices to people who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to 10 percent or more. If you currently are using one company, you may still want to comparison shop to ensure the best deal. You may still find a better deal by buying auto insurance from a different company.
  • Lower miles equals lower premium – The higher the mileage driven every year the more you will pay for auto insurance. Almost all companies charge to insure your cars based on their usage. Vehicles used primarily for pleasure use get more affordable rates than those used for commuting. An improperly rated Ram Pickup 2500 may be wasting your money. Double check that your auto insurance declarations sheet is rated on the correct usage for each vehicle.
  • Policy add-ons can waste money – There are a ton of extra bells and whistles that can waste your money if you aren’t careful. Coverages for rental car reimbursement, accident forgiveness and motor club memberships are examples of these. They may seem like a good idea when you first buy your policy, but if you don’t need them eliminate them to save money.

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Everyone needs different coverages

When buying coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different.

For example, these questions may help you determine if your situation could use an agent’s help.

  • If my 1995 Dodge Ram Pickup 2500 is totaled, can I afford another vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How do I insure my teen driver?
  • Is upholstery damage covered by car insurance?
  • What is the ISO rating for a 1995 Dodge Ram Pickup 2500?
  • When does my teenage driver need to be added to my policy?
  • Am I insured when driving a different vehicle?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Are there companies who specialize in insuring high-risk drivers?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Information about specific coverages

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Collision coverage protection

This coverage covers damage to your Ram Pickup 2500 resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a mailbox, crashing into a building, sideswiping another vehicle, colliding with a tree and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills like doctor visits, pain medications, hospital visits, rehabilitation expenses and nursing services. They can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like vandalism, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability

Liability insurance provides protection from damage or injury you incur to a person or their property. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for claims like medical services, funeral expenses and court costs. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

More quotes mean more savings

People switch companies for a variety of reasons including delays in responding to claim requests, policy cancellation, an unsatisfactory settlement offer and extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new company can be easier than you think.

In this article, we covered a lot of tips how to get a better price on 1995 Dodge Ram Pickup 2500 insurance. The key concept to understand is the more you quote, the better likelihood of reducing your rate. Consumers could even find that the lowest priced auto insurance comes from some of the smallest insurance companies.

Cheap insurance can be sourced both online as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. Some auto insurance companies don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

For more information, take a look at the following helpful articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1995 Dodge Ram 2500 Insurance Rates by City
City Premium
New York City, NY $1,614
Los Angeles, CA $1,746
Philadelphia, PA $1,364
Jacksonville, FL $1,485
Phoenix, AZ $1,187
Chicago, IL $1,368
Houston, TX $1,599
Seattle, WA $995
Columbus, OH $852
Indianapolis, IN $870

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1995 Dodge Ram 2500 Insurance Rates by Driver Age
Driver Age Premium
16 $4,182
20 $2,334
30 $1,034
40 $1,022
50 $940
60 $920

Full coverage, $500 deductibles

Rates by Deductible

1995 Dodge Ram 2500 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,170
$250 $1,104
$500 $1,022
$1,000 $944

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram 2500 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,022
50/100 $1,122
100/300 $1,247
250/500 $1,572
100 CSL $1,172
300 CSL $1,447
500 CSL $1,647

Full coverage, driver age 40

Rates for High Risk Drivers

1995 Dodge Ram 2500 Insurance Rates for High Risk Drivers
Age Premium
16 $5,868
20 $3,714
30 $2,204
40 $2,188
50 $2,094
60 $2,074

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 $134

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $51
Multi-vehicle $55
Homeowner $18
5-yr Accident Free $59
5-yr Claim Free $63
Paid in Full/EFT $35
Advance Quote $43
Online Quote $67
Total Discounts $391
Rate after discounts $631

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

Find companies with the cheapest rates in your area

1995 Dodge Ram 2500 Insurance Rates by State
State Premium
Alabama $924
Alaska $784
Arizona $848
Arkansas $1,022
California $1,164
Colorado $976
Connecticut $1,050
Delaware $1,156
Florida $1,280
Georgia $944
Hawaii $734
Idaho $692
Illinois $760
Indiana $770
Iowa $690
Kansas $968
Kentucky $1,392
Louisiana $1,512
Maine $632
Maryland $844
Massachusetts $816
Michigan $1,772
Minnesota $856
Mississippi $1,226
Missouri $908
Montana $1,098
Nebraska $806
Nevada $1,228
New Hampshire $738
New Jersey $1,142
New Mexico $902
New York $1,076
North Carolina $590
North Dakota $838
Ohio $704
Oklahoma $1,048
Oregon $936
Pennsylvania $974
Rhode Island $1,364
South Carolina $926
South Dakota $862
Tennessee $894
Texas $1,230
Utah $756
Vermont $700
Virginia $610
Washington $790
West Virginia $936
Wisconsin $708
Wyoming $912

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