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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Average insurance rates for a Dodge Ram 2500 are $1,150 a year with full coverage. Comprehensive costs an estimated $186, collision insurance costs $250, and liability coverage is estimated at $534. Buying just liability costs approximately $588 a year, and insurance for high-risk drivers costs around $2,474. 16-year-old drivers receive the highest rates at up to $4,630 a year.
Average premium for full coverage: $1,150
Rate estimates broken down by individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Ram 2500 trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the low end price of $588 for just liability insurance to a much higher rate of $2,474 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. More rural locations tend to have lower incidents of collision claims than congested cities. The price range example below illustrates how your location can change insurance prices.
These examples demonstrate why anyone shopping for car insurance should get quotes for a targeted area, rather than 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.
More Rate Details
The chart below details average Dodge Ram 2500 insurance rates for other coverage scenarios.
- The best full coverage rate is $698
- Choosing higher $1,000 deductibles can save approximately $100 annually
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,150
- Buying more expensive low deductibles for comp and collision coverage bumps up the cost to $1,338
- Drivers with multiple tickets or accidents could pay up to $2,474
- The cost that insures a teenage driver with full coverage can cost as much as $4,630 each year
Auto insurance rates for a Dodge Ram 2500 can also vary considerably based on the model year and trim level, your age and driving habits, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you may be forking out $1,400 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance ranges around 41% to 135% more than the average rate. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $4,600 a year. View Rates by Age
Where you live plays a big part in determining prices for Dodge Ram 2500 insurance rates. A good driver about age 40 could pay as low as $830 a year in states like Utah, Ohio, and New Hampshire, or at least $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% |
Opting for high physical damage deductibles can save as much as $290 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost 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
Saving money on auto insurance takes avoiding accidents and violations, maintaining a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Comparison shop at least once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The list below is a brief review of the primary concepts that were illustrated above.
- You may be able to save approximately $130 per year just by shopping early and online
- Drivers with DUI or reckless driving convictions could be forced to pay on average $1,320 more annually for car insurance
- Increasing deductibles can save approximately $300 each year
- Teenagers are the costliest to insure, with premiums as much as $386 per 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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