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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U.S. 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 is $534. A policy with just liability insurance costs around $588 a year, and coverage for high-risk drivers costs around $2,474. 16-year-old drivers pay the highest rates at up to $4,630 a year.
Average premium for full coverage: $1,150
Price estimates by individual coverage:
Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and Ram 2500 models.
Price Range from Low to High
Using a middle-aged driver as an example, Dodge Ram 2500 insurance prices range from the low end price of $588 for the bare minimum liability coverage to a high rate of $2,474 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas have lower incidents of accident claims than congested cities. The graphic below illustrates how where you live affects car insurance rates.
The ranges above show why all drivers should compare rates quotes 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 shows average Dodge Ram 2500 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $698
- Raising to $1,000 deductibles will save around $100 a year
- The estimated price for the average middle-age driver with $500 deductibles is $1,150
- Buying low deductibles bumps up the cost to $1,338
- At-risk drivers with multiple tickets or accidents could pay upwards of $2,474
- The price that insures a teen driver may cost $4,630
Insurance prices for a Dodge Ram 2500 are also quite variable based on the trim level and model year, how you drive, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you could be paying at a minimum $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 41% to 135% more than the average rate. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $4,600 a year. View Rates by Age
The state you live in also has a big influence on Dodge Ram 2500 insurance prices. A middle-age driver might find prices as low as $760 a year in states like Idaho, Maine, and Iowa, or 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% |
Opting for high physical damage deductibles can reduce prices by up to $290 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 more per year. View Rates by Deductible or Liability Limit
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 Cheapest Dodge Ram 2500 Insurance
Getting lower rates on car insurance consists of avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Comparison shop once a year by getting rate quotes from direct carriers, and also from local exclusive and independent agents.
The list below is a recap of the data that was touched on in the above illustrations.
- Drivers can save as much as $130 per year just by quoting online in advance
- Policyholders who require higher liability limits will pay around $590 each year to raise from a low limit to the 250/500 level
- Teenagers pay the highest prices, with premiums as much as $386 a month if full coverage is included
- Higher risk drivers that have major violations or accidents may pay on average $1,320 more each year for car insurance
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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