Dodge Ram 2500 Insurance Rates
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UPDATED: Apr 25, 2024
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Average insurance rates for a Dodge Ram 2500 are $1,232 a year for full coverage insurance. Comprehensive insurance costs on average $212, collision insurance costs $300, and liability coverage is estimated at $540. Liability-only coverage costs approximately $592 a year, and high-risk coverage costs $2,654 or more. Teenage drivers receive the highest rates at up to $4,892 a year.
Average premium for full coverage: $1,232
Rate estimates by individual coverage type:
Rate estimates include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for all Ram 2500 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as low as $592 for just liability insurance to the much higher price of $2,654 for high-risk insurance.
Price Range by Location
Living in a larger city has a large influence on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than densely populated cities. The example below illustrates the difference location can make on car insurance rates.
These examples illustrate why everyone should get quotes based on a specific location and risk profile, rather than using average rates.
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 illustrates average Dodge Ram 2500 insurance rates for different risk profiles and scenarios.
- The best discount rate is $740
- Choosing higher $1,000 deductibles can save around $116 each year
- The average rate for a 40-year-old driver with $500 deductibles is $1,232
- Using pricier low deductibles for comp and collision coverage will cost an extra $224 each year
- Drivers who are prone to accidents and violations could pay upwards of $2,654
- The cost for full coverage for a teenage driver for full coverage may cost $4,892 each year
Car insurance rates for a Dodge Ram 2500 can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.
A more mature driver with no driving violations and high deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $4,800 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 $810 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,660 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,114 | -$118 | -9.6% |
| Alaska | $946 | -$286 | -23.2% |
| Arizona | $1,024 | -$208 | -16.9% |
| Arkansas | $1,232 | -$0 | 0.0% |
| California | $1,404 | $172 | 14.0% |
| Colorado | $1,176 | -$56 | -4.5% |
| Connecticut | $1,264 | $32 | 2.6% |
| Delaware | $1,394 | $162 | 13.1% |
| Florida | $1,542 | $310 | 25.2% |
| Georgia | $1,138 | -$94 | -7.6% |
| Hawaii | $884 | -$348 | -28.2% |
| Idaho | $836 | -$396 | -32.1% |
| Illinois | $916 | -$316 | -25.6% |
| Indiana | $928 | -$304 | -24.7% |
| Iowa | $830 | -$402 | -32.6% |
| Kansas | $1,170 | -$62 | -5.0% |
| Kentucky | $1,680 | $448 | 36.4% |
| Louisiana | $1,824 | $592 | 48.1% |
| Maine | $762 | -$470 | -38.1% |
| Maryland | $1,018 | -$214 | -17.4% |
| Massachusetts | $984 | -$248 | -20.1% |
| Michigan | $2,140 | $908 | 73.7% |
| Minnesota | $1,032 | -$200 | -16.2% |
| Mississippi | $1,478 | $246 | 20.0% |
| Missouri | $1,092 | -$140 | -11.4% |
| Montana | $1,322 | $90 | 7.3% |
| Nebraska | $972 | -$260 | -21.1% |
| Nevada | $1,478 | $246 | 20.0% |
| New Hampshire | $888 | -$344 | -27.9% |
| New Jersey | $1,378 | $146 | 11.9% |
| New Mexico | $1,090 | -$142 | -11.5% |
| New York | $1,298 | $66 | 5.4% |
| North Carolina | $708 | -$524 | -42.5% |
| North Dakota | $1,010 | -$222 | -18.0% |
| Ohio | $850 | -$382 | -31.0% |
| Oklahoma | $1,264 | $32 | 2.6% |
| Oregon | $1,130 | -$102 | -8.3% |
| Pennsylvania | $1,174 | -$58 | -4.7% |
| Rhode Island | $1,644 | $412 | 33.4% |
| South Carolina | $1,116 | -$116 | -9.4% |
| South Dakota | $1,042 | -$190 | -15.4% |
| Tennessee | $1,076 | -$156 | -12.7% |
| Texas | $1,484 | $252 | 20.5% |
| Utah | $912 | -$320 | -26.0% |
| Vermont | $844 | -$388 | -31.5% |
| Virginia | $738 | -$494 | -40.1% |
| Washington | $950 | -$282 | -22.9% |
| West Virginia | $1,130 | -$102 | -8.3% |
| Wisconsin | $854 | -$378 | -30.7% |
| Wyoming | $1,098 | -$134 | -10.9% |
Using high physical damage deductibles can save as much as $340 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $486 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,100 extra per year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers ranges around 43% to 135% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
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 | $376 | $656 | $420 | $1,632 |
| 2023 Dodge Ram 2500 | $358 | $630 | $440 | $1,608 |
| 2022 Dodge Ram 2500 | $344 | $626 | $450 | $1,600 |
| 2021 Dodge Ram 2500 | $332 | $610 | $470 | $1,592 |
| 2020 Dodge Ram 2500 | $320 | $586 | $486 | $1,572 |
| 2019 Dodge Ram 2500 | $304 | $564 | $500 | $1,548 |
| 2018 Dodge Ram 2500 | $292 | $524 | $510 | $1,506 |
| 2017 Dodge Ram 2500 | $280 | $494 | $514 | $1,468 |
| 2016 Dodge Ram 2500 | $268 | $442 | $520 | $1,410 |
| 2015 Dodge Ram 2500 | $250 | $408 | $520 | $1,358 |
| 2014 Dodge Ram 2500 | $242 | $382 | $524 | $1,328 |
| 2013 Dodge Ram 2500 | $236 | $356 | $534 | $1,306 |
| 2012 Dodge Ram 2500 | $218 | $330 | $534 | $1,262 |
| 2011 Dodge Ram 2500 | $212 | $300 | $540 | $1,232 |
| 2010 Dodge Ram 2500 | $198 | $274 | $534 | $1,186 |
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 the Best Dodge Ram 2500 Insurance
Saving money on auto insurance takes being a good driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates every couple of years by requesting quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.
The following list is a brief recap of the material that was touched on in this article.
- Consumers who require an increased level of liability coverage will pay an extra $590 annually to raise limits from a minimum limit to 250/500 limits
- Drivers age 16 to 20 are expensive to insure, costing up to $408 per month if full coverage is included
- Drivers who tend to receive serious violations pay an average of $1,420 more each year than a safer driver
- Increasing deductibles can save around $350 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,892 |
| 20 | $2,818 |
| 30 | $1,258 |
| 40 | $1,232 |
| 50 | $1,130 |
| 60 | $1,108 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,456 |
| $250 | $1,354 |
| $500 | $1,232 |
| $1,000 | $1,116 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,232 |
| 50/100 | $1,378 |
| 100/300 | $1,513 |
| 250/500 | $1,864 |
| 100 CSL | $1,432 |
| 300 CSL | $1,729 |
| 500 CSL | $1,945 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,912 |
| 20 | $4,494 |
| 30 | $2,684 |
| 40 | $2,654 |
| 50 | $2,536 |
| 60 | $2,512 |
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 | $63 |
| Multi-vehicle | $66 |
| Homeowner | $21 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $47 |
| Advance Quote | $55 |
| Online Quote | $84 |
| Total Discounts | $492 |
Discounts are estimated and may not be available from every company or in every state.
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