Dodge Ram 2500 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance prices for a Dodge Ram 2500 are $1,186 every 12 months including full coverage. Comprehensive insurance costs approximately $198, collision insurance costs $274, and liability is $534. A policy with just liability insurance costs around $588 a year, and coverage for high-risk drivers costs $2,556 or more. 16-year-old drivers pay the highest rates at up to $4,746 a year.
Average premium for full coverage: $1,186
Price estimates by individual coverage:
Rates are based on $500 deductible amounts, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Ram 2500 trim levels.
Price Range from Low to High
For a 40-year-old driver, Dodge Ram 2500 insurance prices range from the cheapest price of $588 for just liability insurance to a much higher rate of $2,556 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than congested cities. The price range example below illustrates how your location can change auto insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, instead of making a decision based on 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 breaks down average Dodge Ram 2500 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $715
- Raising to $1,000 deductibles will save $108 every year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,186
- Buying more expensive low deductibles costs an extra $206 annually
- Drivers with multiple tickets or accidents could pay around $2,556
- The price to insure a 16-year-old driver with full coverage can cost $4,746
Insurance prices for a Dodge Ram 2500 are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Ram 2500.
Opting for high physical damage deductibles can reduce prices by up to $320 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $480 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 131% more than the average rate. View High Risk Driver Rates
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 $910 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,690 on average in Louisiana, New York, and Michigan.
| 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 Shop for the Best Cheap Dodge Ram 2500 Insurance
Getting lower rates on insurance for a Dodge Ram 2500 consists of having a good driving record, having good credit, being claim-free, and possibly raising deductibles. Invest the time to shop around once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The next list is a quick review of the data that was illustrated above.
- You may be able to save around $130 per year just by shopping early and online
- Insureds who purchase increased levels of liability coverage will pay around $590 per year to raise from a low limit to a 250/500 level
- Drivers age 20 and younger are expensive to insure, possibly costing $396 a month if they have full coverage
- Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,370 more per year to buy Dodge Ram 2500 insurance
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
