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 rates for a Dodge Ram 2500 are $1,150 a year for full coverage. Comprehensive costs on average $186 each year, collision insurance costs $250, and liability coverage costs $534. Buying just liability costs as little as $588 a year, and insurance for high-risk drivers costs around $2,474. Teens 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:
Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Ram 2500 models.
Price Range Variability
For the average driver, Dodge Ram 2500 insurance rates range from as low as $588 for basic liability insurance to a high rate of $2,474 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates how location impacts car insurance rates.
The examples above show why all drivers should compare rates based on a specific location and risk profile, rather than using averaged prices.
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.
Rate Comparisons
The chart below shows average Dodge Ram 2500 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $698
- Drivers who choose higher $1,000 deductibles will pay around $100 a year
- The average rate for a good driver age 40 with $500 deductibles is $1,150
- Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,338
- High-risk insureds with serious driving violations could pay upwards of $2,474
- Policy cost for full coverage for a teenage driver may cost $4,630 a year
Insurance rates for a Dodge Ram 2500 also range considerably based on your risk profile, the trim level of your Ram 2500, and policy deductibles and limits.
More mature drivers with a clean driving record and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $4,600 a year. View Rates by Age
Your home state makes a big difference in Dodge Ram 2500 insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,640 on average in Michigan, Louisiana, 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $290 a year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers can cost around 41% to 135% more than the average policy. 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 | $1,112 | $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 Find the Right Dodge Ram 2500 Insurance
Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Spend time shopping around at every other renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.
The list below is a quick rundown of the concepts that were touched on above.
- Drivers with reckless driving or DUI convictions will pay on average $1,320 more each year for car insurance
- Teenagers pay the highest rates, costing up to $386 each month for full coverage
- Drivers can save as much as $130 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $300 each year
- Drivers can save as much as $130 per year just by quoting online in advance
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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