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 $1,186 a year for full coverage. Comprehensive insurance costs approximately $198 each year, collision insurance costs $274, and liability insurance costs $534. Liability-only coverage costs as little as $588 a year, and high-risk coverage costs $2,556 or more. 16-year-old drivers receive the highest rates at up to $4,746 a year.
Average premium for full coverage: $1,186
Rate estimates by individual coverage type:
Prices include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Ram 2500 models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the low end price of $588 for your basic liability-only policy to a high rate of $2,556 for high-risk insurance.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural locations tend to have lower incidents of accident claims than congested cities. The graphic below illustrates how your location can change auto insurance prices.
These examples show why all drivers should compare rates using their specific location, rather than relying 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 Information
The chart below shows average Dodge Ram 2500 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $715
- Drivers who choose higher $1,000 deductibles will pay $108 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,186
- Buying low deductibles for comprehensive and collision insurance will cost an additional $206 a year
- High risk drivers with multiple tickets or accidents could pay around $2,556
- The cost that insures a teen driver can cost $4,746 a year
Car insurance rates for a Dodge Ram 2500 can also vary considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 131% more than the average rate. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $4,700 a year. View Rates by Age
Where you live 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 Iowa, Maine, and Idaho, or at least $1,690 on average in New York, Louisiana, 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% |
Opting for high physical damage deductibles could save up to $320 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $480 extra every 12 months. 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 | $1,146 | $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 Find the Right Dodge Ram 2500 Insurance
Saving money on Dodge Ram 2500 insurance not only requires being safe and accident-free, but also having a positive credit history, eliminating unneeded coverage, and attention to physical damage deductibles. Comparison shop every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below you'll find a quick rundown of the material that was illustrated above.
- Drivers who purchase more liability protection will pay around $590 each year to go from a minimum limit to the 250/500 level
- Youthful drivers pay the highest auto insurance rates, costing as high as $396 per month if full coverage is purchased
- High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,370 more per year than a low-risk driver
- Increasing deductibles can save approximately $325 each year
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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