Dodge Ram 2500 Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Apr 25, 2024
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U.S. average insurance rates for a Dodge Ram 2500 are $1,150 a year with full coverage. Comprehensive insurance costs approximately $186, collision insurance costs $250, and liability insurance is $534. Liability-only coverage costs around $588 a year, and high-risk coverage costs $2,474 or more. Teen drivers pay the highest rates at up to $4,630 a year.
Average premium for full coverage: $1,150
Price estimates by individual coverage:
Prices are based on $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different Ram 2500 trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Dodge Ram 2500 insurance prices range from the low end price of $588 for a discount liability-only rate to a much higher rate of $2,474 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city has a significant impact on the price of insurance. Rural locations have lower incidents of collision claims than larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location, 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.
Rates by State, City, and Model
The chart below details average Dodge Ram 2500 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $698
- Raising to $1,000 deductibles will save $100 annually
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,150
- Choosing more expensive low deductibles will cost an additional $188 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,474
- The price that insures a teen driver with full coverage can cost $4,630
Auto insurance prices for a Dodge Ram 2500 are also quite variable based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,400 to $1,900 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 41% to 135% more than average. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles could 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 will have to pay in the ballpark of $4,600 a year. View Rates by Age
The state you live in also has a big influence on Dodge Ram 2500 insurance rates. A middle-age driver might find prices as low as $830 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,550 on average in New York, Michigan, and Florida.
| 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 high deductibles can reduce prices by up to $290 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 extra every 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 Affordable Dodge Ram 2500 Insurance
Getting lower rates on Dodge Ram 2500 insurance consists of not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Shop around at least once a year by getting rate quotes from direct companies, and also from local insurance agencies.
The following is a brief review of the primary concepts that were raised in the charts and tables above.
- You may be able to save around $130 per year just by shopping early and online
- High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,320 more per year for Ram 2500 insurance
- Increasing physical damage deductibles can save approximately $300 each year
- Teens have the highest car insurance prices, costing up to $386 a month if the policy includes full coverage
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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