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...
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UPDATED: Apr 25, 2024
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The average auto insurance rates for a Dodge Ram 2500 are $1,186 annually for full coverage insurance. Comprehensive costs around $198 each year, collision insurance costs $274, and liability coverage costs $534. Buying just liability costs as little as $588 a year, and insurance for high-risk drivers costs around $2,556. Teen drivers cost the most to insure at up to $4,746 a year.
Average premium for full coverage: $1,186
Policy rates for type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Ram 2500 models.
Price Range Variability
Using a 40-year-old driver as an example, Dodge Ram 2500 insurance rates range from as cheap as $588 for basic liability insurance to a high rate of $2,556 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location has a large influence on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance rates.
The examples above illustrate why all drivers should compare rates for a specific zip code and their own personal driving habits, rather than using 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.
Rate Comparisons
The chart below illustrates average Dodge Ram 2500 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $715
- Drivers who choose higher $1,000 deductibles will pay about $108 each year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,186
- Choosing low deductibles for comprehensive and collision insurance will cost $1,392
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,556
- Policy cost with full coverage for a teenage driver can be $4,746 a year
Insurance rates for a Dodge Ram 2500 also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay as much as $4,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can cost around 42% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $320 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Dodge Ram 2500 insurance rates. A 40-year-old driver could pay as low as $780 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,600 on average in Michigan, New York, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,074 | -$112 | -9.4% |
Alaska | $910 | -$276 | -23.3% |
Arizona | $986 | -$200 | -16.9% |
Arkansas | $1,186 | -$0 | 0.0% |
California | $1,354 | $168 | 14.2% |
Colorado | $1,132 | -$54 | -4.6% |
Connecticut | $1,220 | $34 | 2.9% |
Delaware | $1,342 | $156 | 13.2% |
Florida | $1,486 | $300 | 25.3% |
Georgia | $1,098 | -$88 | -7.4% |
Hawaii | $852 | -$334 | -28.2% |
Idaho | $804 | -$382 | -32.2% |
Illinois | $882 | -$304 | -25.6% |
Indiana | $898 | -$288 | -24.3% |
Iowa | $802 | -$384 | -32.4% |
Kansas | $1,126 | -$60 | -5.1% |
Kentucky | $1,618 | $432 | 36.4% |
Louisiana | $1,758 | $572 | 48.2% |
Maine | $734 | -$452 | -38.1% |
Maryland | $980 | -$206 | -17.4% |
Massachusetts | $948 | -$238 | -20.1% |
Michigan | $2,060 | $874 | 73.7% |
Minnesota | $994 | -$192 | -16.2% |
Mississippi | $1,424 | $238 | 20.1% |
Missouri | $1,052 | -$134 | -11.3% |
Montana | $1,276 | $90 | 7.6% |
Nebraska | $936 | -$250 | -21.1% |
Nevada | $1,426 | $240 | 20.2% |
New Hampshire | $856 | -$330 | -27.8% |
New Jersey | $1,328 | $142 | 12.0% |
New Mexico | $1,052 | -$134 | -11.3% |
New York | $1,250 | $64 | 5.4% |
North Carolina | $684 | -$502 | -42.3% |
North Dakota | $972 | -$214 | -18.0% |
Ohio | $818 | -$368 | -31.0% |
Oklahoma | $1,218 | $32 | 2.7% |
Oregon | $1,088 | -$98 | -8.3% |
Pennsylvania | $1,132 | -$54 | -4.6% |
Rhode Island | $1,582 | $396 | 33.4% |
South Carolina | $1,076 | -$110 | -9.3% |
South Dakota | $1,004 | -$182 | -15.3% |
Tennessee | $1,038 | -$148 | -12.5% |
Texas | $1,428 | $242 | 20.4% |
Utah | $878 | -$308 | -26.0% |
Vermont | $814 | -$372 | -31.4% |
Virginia | $708 | -$478 | -40.3% |
Washington | $916 | -$270 | -22.8% |
West Virginia | $1,088 | -$98 | -8.3% |
Wisconsin | $822 | -$364 | -30.7% |
Wyoming | $1,056 | -$130 | -11.0% |
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Dodge Ram 2500 Crew Cab ST 2WD | $1,146 | $96 |
Dodge Ram 2500 Crew Cab SLT 2WD | $1,164 | $97 |
Dodge Ram 2500 Mega Cab SLT 2WD | $1,164 | $97 |
Dodge Ram 2500 Crew Cab Laramie 2WD | $1,186 | $99 |
Dodge Ram 2500 Crew Cab ST 2WD | $1,186 | $99 |
Dodge Ram 2500 Mega Cab Laramie 2WD | $1,186 | $99 |
Dodge Ram 2500 Crew Cab SLT 2WD | $1,206 | $101 |
Dodge Ram 2500 Crew Cab ST 4WD | $1,142 | $95 |
Dodge Ram 2500 Mega Cab SLT 2WD | $1,206 | $101 |
Dodge Ram 2500 Crew Cab Laramie 2WD | $1,226 | $102 |
Dodge Ram 2500 Crew Cab SLT 4WD | $1,160 | $97 |
Dodge Ram 2500 Mega Cab Laramie 2WD | $1,226 | $102 |
Dodge Ram 2500 Mega Cab SLT 4WD | $1,160 | $97 |
Dodge Ram 2500 Crew Cab Laramie 4WD | $1,182 | $99 |
Dodge Ram 2500 Crew Cab ST 4WD | $1,182 | $99 |
Dodge Ram 2500 Mega Cab Laramie 4WD | $1,182 | $99 |
Dodge Ram 2500 Crew Cab SLT 4WD | $1,200 | $100 |
Dodge Ram 2500 Mega Cab SLT 4WD | $1,200 | $100 |
Dodge Ram 2500 Crew Cab Laramie 4WD | $1,222 | $102 |
Dodge Ram 2500 Mega Cab Laramie 4WD | $1,222 | $102 |
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 | $358 | $630 | $440 | $1,608 |
2023 Dodge Ram 2500 | $344 | $626 | $450 | $1,600 |
2022 Dodge Ram 2500 | $332 | $610 | $470 | $1,592 |
2021 Dodge Ram 2500 | $320 | $586 | $486 | $1,572 |
2020 Dodge Ram 2500 | $304 | $564 | $500 | $1,548 |
2019 Dodge Ram 2500 | $292 | $524 | $510 | $1,506 |
2018 Dodge Ram 2500 | $280 | $494 | $514 | $1,468 |
2017 Dodge Ram 2500 | $268 | $442 | $520 | $1,410 |
2016 Dodge Ram 2500 | $250 | $408 | $520 | $1,358 |
2015 Dodge Ram 2500 | $242 | $382 | $524 | $1,328 |
2014 Dodge Ram 2500 | $236 | $356 | $534 | $1,306 |
2013 Dodge Ram 2500 | $218 | $330 | $534 | $1,262 |
2012 Dodge Ram 2500 | $212 | $300 | $540 | $1,232 |
2011 Dodge Ram 2500 | $198 | $274 | $534 | $1,186 |
2010 Dodge Ram 2500 | $186 | $250 | $534 | $1,150 |
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 Buy More Affordable Dodge Ram 2500 Insurance
Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having a good credit history, being claim-free, and dropping full coverage on older vehicles. Set aside time to shop around every time your policy renews by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a summary of the information raised in the charts and tables above.
- It is possible to save up to $130 per year just by quoting online in advance
- Teenagers pay higher rates, possibly costing $396 each month including comprehensive and collision insurance
- Increasing comprehensive and collision deductibles could save up to $325 each year
- Drivers who have multiple accidents or major violations pay on average $1,370 more every year for car insurance
- Consumers who may need higher liability limits will pay about $590 annually to go from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,746 |
20 | $2,716 |
30 | $1,210 |
40 | $1,186 |
50 | $1,090 |
60 | $1,068 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,392 |
$250 | $1,298 |
$500 | $1,186 |
$1,000 | $1,078 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,186 |
50/100 | $1,329 |
100/300 | $1,462 |
250/500 | $1,809 |
100 CSL | $1,382 |
300 CSL | $1,676 |
500 CSL | $1,890 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,700 |
20 | $4,328 |
30 | $2,580 |
40 | $2,556 |
50 | $2,446 |
60 | $2,420 |
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 | $60 |
Multi-vehicle | $64 |
Homeowner | $21 |
5-yr Accident Free | $74 |
5-yr Claim Free | $75 |
Paid in Full/EFT | $44 |
Advance Quote | $53 |
Online Quote | $80 |
Total Discounts | $471 |
Discounts are estimated and may not be available from every company or in every state.
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