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Dodge Ram 2500 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 19, 2020

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Are you looking for affordable Dodge Ram 2500 insurance costs? The average Dodge Ram 2500 insurance rates are $110 per month or $1,328 annually. However, many factors impact your average pickup truck insurance cost per month. 

For example, your insurance quotes will be higher if you invest in a fuller coverage policy that includes more than your state’s minimum requirements, like comprehensive or collision coverage. 

Read through our Dodge Ram insurance guide to better understand how your rates are calculated. We’ll also review a few car insurance basics, like what is collision insurance and what does it cover?

Whether you drive a 2019 Dodge Ram 2500 diesel truck, or a Dodge Ram 3500, compare your best rates by entering your five-digit ZIP code into our FREE quote tool above.

U.S. average auto insurance rates for a Dodge Ram 2500 are $1,306 annually with full coverage. Comprehensive costs approximately $236, collision insurance costs $356, and liability insurance is estimated at $534. A policy with just liability insurance costs approximately $588 a year, and coverage for high-risk drivers costs around $2,818. Teens pay the highest rates at up to $5,122 a year.

Average premium for full coverage: $1,306

Price estimates by individual coverage:

Comprehensive $236
Collision $356
Liability $534

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for all Ram 2500 models.

Price Range from Low to High

For the average driver, Dodge Ram 2500 insurance prices range from as cheap as $588 for your basic liability-only policy to the much higher price of $2,818 for a driver that may need high-risk insurance.

Liability Only $588
Full Coverage $1,306
High Risk $2,818

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations have fewer collision claims than cities with more traffic congestion. The example below illustrates how location impacts auto insurance prices.

Rural Areas $980
Small Cities $1,371
Large Cities $1,763

The ranges above demonstrate why everyone should get quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.

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 Information

The chart below details average Dodge Ram 2500 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $776
  • Choosing higher $1,000 deductibles can save $134 annually
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,306
  • Selecting pricier low deductibles for comp and collision coverage will cost $1,566
  • High-risk insureds with serious driving violations could pay around $2,818
  • The price with full coverage for a teen driver for full coverage can cost $5,122 each year

View Chart as Image

Dodge Ram 2500 insurance cost comparison chart
Column chart showing Dodge Ram 2500 insurance rates range from $776 to $5,122 for full coverage

Insurance prices for a Dodge Ram 2500 are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,200 extra each year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers ranges anywhere from 43% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $400 each year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $480 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Dodge Ram 2500 insurance rates. A good driver about age 40 could pay as low as $940 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,760 on average in New York, Michigan, and Florida.

Dodge Ram 2500 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,182 -$124 -9.5%
Alaska $1,004 -$302 -23.1%
Arizona $1,086 -$220 -16.8%
Arkansas $1,306 -$0 0.0%
California $1,490 $184 14.1%
Colorado $1,246 -$60 -4.6%
Connecticut $1,342 $36 2.8%
Delaware $1,478 $172 13.2%
Florida $1,636 $330 25.3%
Georgia $1,206 -$100 -7.7%
Hawaii $938 -$368 -28.2%
Idaho $886 -$420 -32.2%
Illinois $972 -$334 -25.6%
Indiana $986 -$320 -24.5%
Iowa $882 -$424 -32.5%
Kansas $1,240 -$66 -5.1%
Kentucky $1,782 $476 36.4%
Louisiana $1,936 $630 48.2%
Maine $808 -$498 -38.1%
Maryland $1,078 -$228 -17.5%
Massachusetts $1,042 -$264 -20.2%
Michigan $2,266 $960 73.5%
Minnesota $1,094 -$212 -16.2%
Mississippi $1,566 $260 19.9%
Missouri $1,158 -$148 -11.3%
Montana $1,402 $96 7.4%
Nebraska $1,030 -$276 -21.1%
Nevada $1,570 $264 20.2%
New Hampshire $942 -$364 -27.9%
New Jersey $1,462 $156 11.9%
New Mexico $1,158 -$148 -11.3%
New York $1,374 $68 5.2%
North Carolina $752 -$554 -42.4%
North Dakota $1,072 -$234 -17.9%
Ohio $902 -$404 -30.9%
Oklahoma $1,340 $34 2.6%
Oregon $1,196 -$110 -8.4%
Pennsylvania $1,246 -$60 -4.6%
Rhode Island $1,742 $436 33.4%
South Carolina $1,184 -$122 -9.3%
South Dakota $1,104 -$202 -15.5%
Tennessee $1,142 -$164 -12.6%
Texas $1,572 $266 20.4%
Utah $966 -$340 -26.0%
Vermont $896 -$410 -31.4%
Virginia $782 -$524 -40.1%
Washington $1,006 -$300 -23.0%
West Virginia $1,196 -$110 -8.4%
Wisconsin $904 -$402 -30.8%
Wyoming $1,164 -$142 -10.9%

View Chart as Image

Dodge Ram 2500 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Rates assume 2010 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.

Dodge Ram 2500 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Dodge Ram 2500 $236 $356 $534 $1,306
2009 Dodge Ram 2500 $218 $330 $534 $1,262
2008 Dodge Ram 2500 $212 $300 $540 $1,232
2007 Dodge Ram 2500 $198 $274 $534 $1,186
2006 Dodge Ram 2500 $186 $250 $534 $1,150
2005 Dodge Ram 2500 $180 $224 $530 $1,114
2004 Dodge Ram 2500 $178 $218 $520 $1,096
2003 Dodge Ram 2500 $176 $208 $510 $1,074
2002 Dodge Ram 2500 $160 $198 $504 $1,042
2001 Dodge Ram 2500 $154 $188 $500 $1,022

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 the Cheapest Dodge Ram 2500 Insurance

Getting lower rates on Dodge Ram 2500 insurance takes having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a recap of the data that was touched on above.

  • You may be able to save around $150 per year just by quoting online well ahead of the renewal date
  • Drivers who purchase additional liability coverage will pay approximately $590 every year to raise limits from a low limit to higher 250/500 limits
  • 16 to 18-year-old drivers are expensive to insure, costing up to $427 a month including comprehensive and collision insurance
  • High-risk drivers that have major violations or accidents may pay on average $1,510 more per year than a driver with a clean driving record

As you’ve learned from the above information, many factors influence your Dodge Ram 2500 power wagon insurance rates. For example, the trim level you chose for your Dodge Ram will greatly affect your average rates.

If you find a 2020 Dodge Ram 2500 diesel for sale, your insurance premiums will be higher than if you bought a Dodge Ram 2500 diesel 2018 model. The Dodge Ram 3500 insurance rates will also look very different. The same goes for insurance on a dually model.

Whatever Dodge Ram pickup truck you choose, make sure you’re getting your best car insurance rates by comparing quotes from multiple different companies. Start shopping right now for FREE by entering your five-digit ZIP code into our quote tool below.

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What are the safety ratings for the Dodge Ram 2500?

Understanding the Dodge Ram 2500 safety ratings can help you see what car insurance discounts your truck might qualify for.

Check out the 2018 Dodge Ram 2500 safety ratings below. 

  • Front driver-side: 4 stars
  • Front passenger-side: 4 stars
  • Front-seat side barrier and pole ratings: 5 stars
  • Rear-seat side barrier and pole ratings: 5 stars
  • Rollover star rating: 3 stars
  • Overall safety rating: 4 stars

A five-star rating is the highest possible score given by the National Highway Traffic Safety Administration. For a pickup truck, these ratings are relatively average and the results will not substantially affect your insurance premiums.

However, adding additional safety features to your truck model may help you qualify for more safety discounts. 

Dodge Ram 2500 Compared Against other Vehicles in the Same Class

Comparing the Dodge Ram 2500 to similar vehicles can help you save money on your car insurance, especially if the Dodge Ram 2500 has better insurance loss ratios than other trucks in the same class. 

Officially, the Insurance Institute for Highway Safety classifies the Dodge Ram 2500 as a very large pickup truck. Check out similarly-sized pickup trucks in the list below.

While the Dodge Ram 2500 has substantially worse than average property damage loss ratios, this truck also has substantially better than average personal injury and medical payment loss ratios. Fortunately, the loss ratios even themselves out, and should not cause your rates to dramatically change.

You are now an expert on finding affordable Dode Ram 2500 insurance rates. Is the Ram 2500 a good truck for you? Whether you choose a diesel engine or a dually model, we can help you find your lowest car insurance rates. 

Enter your five-digit ZIP code into our FREE quote tool to compare Dodge Ram 2500 insurance costs right now. 

Rates by Driver Age

Dodge Ram 2500 Insurance Rates by Driver Age
Driver Age Premium
16 $5,122
20 $2,996
30 $1,342
40 $1,306
50 $1,198
60 $1,174

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram 2500 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,566
$250 $1,446
$500 $1,306
$1,000 $1,172

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram 2500 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,306
50/100 $1,457
100/300 $1,590
250/500 $1,937
100 CSL $1,510
300 CSL $1,804
500 CSL $2,018

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram 2500 Insurance Rates for High Risk Drivers
Age Premium
16 $7,254
20 $4,772
30 $2,856
40 $2,818
50 $2,694
60 $2,666

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.

SR-22 Surcharge $178

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $70
Homeowner $22
5-yr Accident Free $85
5-yr Claim Free $83
Paid in Full/EFT $52
Advance Quote $60
Online Quote $90
Total Discounts $530
Rate after discounts $776

Discounts are estimated and may not be available from every company or in every state.

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