RAM 2500 Insurance Cost

Auto insurance for a RAM 2500 will cost about $1,650 per year.

This beats the national average for popular heavy-duty models by $244. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a RAM 2500.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

RAM 2500 insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

RAM 2500 Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $5,589 $8,207 $9,600
18 $5,208 $7,648 $8,947
19 $4,603 $6,759 $7,907
20 $4,013 $5,893 $6,894
21 $3,366 $4,942 $5,782
22 $3,278 $4,813 $5,631
23 $2,868 $4,211 $4,927
24 $2,725 $4,001 $4,681
25 $2,351 $3,453 $4,039
30 $1,832 $2,690 $3,147
35 $1,716 $2,519 $2,947
40 $1,650 $2,423 $2,834
45 $1,606 $2,358 $2,758
55 $1,472 $2,162 $2,529
65 $1,536 $2,255 $2,638
75 $1,939 $2,847 $3,330

RAM 2500 car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect RAM 2500 by state.

RAM 2500 Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $1,748 $2,539 $3,232
Alaska $1,446 $2,004 $1,948
Arizona $1,635 $2,363 $3,482
Arkansas $1,792 $2,816 $3,101
California $1,996 $3,529 $1,996
Colorado $1,862 $2,606 $3,307
Connecticut $2,379 $3,690 $4,684
Delaware $1,970 $2,625 $3,371
Florida $2,345 $3,244 $4,228
Georgia $1,912 $2,859 $2,883
Hawaii $764 $1,037 $764
Idaho $1,327 $1,759 $2,138
Illinois $1,389 $2,099 $2,394
Indiana $1,427 $2,181 $2,448
Iowa $1,130 $1,550 $1,823
Kansas $1,504 $2,188 $2,559
Kentucky $2,174 $3,191 $3,768
Louisiana $2,790 $4,218 $4,573
Maine $1,055 $1,458 $2,153
Maryland $1,707 $2,485 $2,760
Massachusetts $1,369 $2,389 $1,369
Michigan $3,304 $5,035 $7,942
Minnesota $1,360 $1,814 $2,554
Mississippi $1,642 $2,342 $2,357
Missouri $1,547 $2,212 $2,906
Montana $1,573 $2,195 $2,555
Nebraska $1,330 $1,966 $2,136
Nevada $2,193 $3,253 $3,436
New Hampshire $1,526 $2,412 $3,050
New Jersey $1,681 $2,637 $3,451
New Mexico $1,717 $2,553 $2,650
New York $1,590 $2,002 $3,342
North Carolina $986 $1,693 $1,208
North Dakota $1,349 $2,050 $2,424
Ohio $1,203 $1,855 $1,902
Oklahoma $1,920 $2,750 $3,096
Oregon $1,748 $2,345 $2,801
Pennsylvania $1,472 $2,161 $2,529
Rhode Island $2,458 $3,605 $4,060
South Carolina $1,669 $2,313 $3,193
South Dakota $1,497 $2,158 $2,490
Tennessee $1,761 $2,593 $3,452
Texas $1,774 $2,562 $3,187
Utah $1,509 $2,114 $2,909
Vermont $1,161 $1,789 $1,890
Virginia $1,094 $1,680 $1,646
Washington $1,448 $1,966 $2,347
West Virginia $1,457 $2,087 $2,615
Wisconsin $1,453 $2,268 $2,587
Wyoming $1,356 $1,899 $2,022

RAM 2500 Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the RAM 2500 ranks for Insurance compared to other vehicles. Also check out how the 2500 stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings

Other RAM 2500 Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major RAM 2500 costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses: