Are Dodge Ram 2500s Expensive to Insure?

If you want to buy affordable Dodge Ram 2500 insurance coverage then you should know that a policy will cost $111 per month ($1,328 per year) on average. You can find cheap Dodge Ram 2500 insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $780 a year.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 24, 2020

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Key Takeaways:

  • Full coverage costs around $1,328 a year or $111 each month
  • A liability-only policy costs around $533 a year or $44 each month
  • Highest rates are for teenage drivers at around $4,854 a year or $405 each month
  • Good drivers can save as much as $548 a year by earning policy discounts
  • Dodge Ram 2500 insurance costs around $191 less per year than the average vehicle

Dodge Ram 2500 insurance rates can differ depending on the level of coverage you wish to receive. Full coverage costs drivers an average of $1,328 a year, or around $111 per month while a liability-only policy is $533 a year, or $44 each month.

Good drivers can save up to $548 a year on Dodge Ram 2500 rates by qualifying for policy discounts. Learn helpful tips right here in this article so you can spot Dodge Ram 2500 insurance rates that are fair and work within your budget.

You can start comparing quotes for Dodge Ram 2500 car insurance rates from some of the best car insurance companies by using our free online tool now.

Dodge Ram 2500 Insurance Cost

The average car insurance costs for a Dodge Ram 2500 are $1,328 a year or $111 a month.

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Are Dodge Ram 2500s Expensive to Insure?

The chart below details how Dodge Ram 2500 insurance rates compare to other trucks like the Nissan Frontier, Chevrolet Silverado, and GMC Sierra.

Vehicle Comprehensive Collision Liability Total
Nissan Frontier $294 $500 $420 $1,394
Chevrolet Silverado $322 $562 $420 $1,484
GMC Sierra $336 $594 $372 $1,460
Chevrolet Silverado 3500HD $404 $656 $420 $1,660
Toyota Tacoma $294 $482 $390 $1,324
Chevrolet Colorado $254 $438 $372 $1,222
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However, there are a few things you can do to find the cheapest Dodge insurance rates online.

What Impacts the Cost of Dodge Ram 2500 Insurance?

The Dodge Ram 2500 trim and model you choose can impact the total price you will pay for Dodge Ram 2500 insurance coverage.

Age of the Vehicle

The average Dodge Ram 2500 car insurance rates are higher for newer models. For example, car insurance for a 2010 Dodge Ram 2500 costs $1,328, while 2010 Dodge Ram 2500 insurance costs are $1,328, a difference of $.

Model Year Comprehensive Collision Liability Total
2010 Dodge Ram 2500 $242 $382 $524 $1,328
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Driver Age

Driver age can have a significant effect on Dodge Ram 2500 car insurance rates. For example, 20-year-old drivers pay $1,625 more for their Dodge Ram 2500 car insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Dodge Ram 2500 insurance rates. For example, drivers in New York may pay $810 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of Dodge Ram 2500 car insurance. Teens and drivers in their 20’s see the highest jump in their Dodge Ram 2500 car insurance with violations on their driving record.

Dodge Ram 2500 Crash Test Ratings

Good Dodge Ram 2500 crash test ratings can lower your Dodge Ram 2500 auto insurance rates. See Dodge Ram 2500 crash test results below:

Vehicle Tested Overall Frontal Side Rollover
Dodge Ram 2500 4 Stars  N/R  N/R 4 Stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Dodge Ram 2500 Safety Features

The safety features of the Dodge Ram 2500 can impact your Dodge Ram 2500 car insurance rates. The Dodge Ram 2500 has the following safety features:

  • Advanced multistage front air bags
  • Supplemental side air bags
  • Supplemental side curtain front air bags
  • Supplemental side curtain front & rear air bags
  • Passenger airbag on/off switch
  • Front height-adjustable shoulder belts
  • Tire pressure monitoring warning lamp
  • Child safety rear door locks
  • Dual note horn

Dodge Ram 2500 Finance and Insurance Cost

If you are financing a Dodge Ram 2500, most lenders will require your carry higher Dodge Ram 2500 coverages including comprehensive coverage, so be sure to compare Dodge Ram 2500 car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Dodge Ram 2500 Insurance

You have more options at your disposal to save money on your Dodge Ram 2500 car insurance costs. For example, try these five tips:

  • Move to an Area with a Lower Cost of Living
  • Understand that Insurance Companies Can’t Change Your Dodge Ram 2500 Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
  • Ask About Loyalty Discounts
  • Compare Dodge Ram 2500 Quotes Online
  • Purchase a Roadside Assistance Program for Your Dodge Ram 2500

Top Dodge Ram 2500 Insurance Companies

The best auto insurance companies for Dodge Ram 2500 car insurance rates will offer competitive rates, discounts, and account for the Dodge Ram 2500’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Dodge Ram 2500 Insurance Quotes Online

You can start comparing quotes for Dodge Ram 2500 insurance from some of the top car insurance companies by using our free online tool today.

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Average Monthly Car Insurance Rates by State