RAM 2500 Insurance Cost

Auto insurance for a RAM 2500 will cost about $1,736 per year.

This beats the national average for popular heavy-duty models by $331. 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 $5,879 $8,756 $10,351
18 $5,479 $8,160 $9,646
19 $4,842 $7,212 $8,525
20 $4,222 $6,288 $7,433
21 $3,540 $5,273 $6,234
22 $3,448 $5,136 $6,071
23 $3,017 $4,494 $5,312
24 $2,866 $4,269 $5,046
25 $2,474 $3,684 $4,355
30 $1,927 $2,870 $3,393
35 $1,805 $2,688 $3,177
40 $1,736 $2,585 $3,056
45 $1,689 $2,516 $2,974
55 $1,549 $2,307 $2,727
65 $1,616 $2,406 $2,845
75 $2,039 $3,037 $3,591

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 $1,839 $2,576 $3,224
Alaska $1,521 $2,215 $2,321
Arizona $1,720 $2,668 $3,803
Arkansas $1,885 $2,856 $3,195
California $2,099 $3,671 $2,099
Colorado $1,959 $2,712 $3,383
Connecticut $2,503 $3,869 $4,956
Delaware $2,072 $2,853 $3,787
Florida $2,467 $3,351 $4,368
Georgia $2,011 $3,100 $3,180
Hawaii $803 $1,109 $803
Idaho $1,396 $1,878 $2,338
Illinois $1,461 $2,159 $2,504
Indiana $1,501 $2,346 $2,737
Iowa $1,189 $1,783 $2,078
Kansas $1,582 $2,329 $2,758
Kentucky $2,286 $3,439 $4,045
Louisiana $2,935 $4,486 $4,829
Maine $1,110 $1,489 $2,172
Maryland $1,796 $2,633 $3,110
Massachusetts $1,440 $2,436 $1,440
Michigan $3,476 $5,225 $8,034
Minnesota $1,431 $1,922 $2,845
Mississippi $1,727 $2,609 $2,756
Missouri $1,627 $2,241 $2,899
Montana $1,655 $2,589 $2,856
Nebraska $1,399 $1,980 $2,253
Nevada $2,307 $3,482 $3,820
New Hampshire $1,605 $2,586 $3,294
New Jersey $1,768 $2,788 $3,596
New Mexico $1,806 $2,598 $2,918
New York $1,673 $2,178 $3,516
North Carolina $1,037 $1,674 $1,290
North Dakota $1,419 $2,184 $2,772
Ohio $1,265 $2,069 $2,143
Oklahoma $2,020 $3,033 $3,440
Oregon $1,838 $2,776 $3,185
Pennsylvania $1,548 $2,342 $2,687
Rhode Island $2,585 $3,967 $4,537
South Carolina $1,756 $2,541 $3,625
South Dakota $1,575 $2,167 $2,600
Tennessee $1,852 $2,771 $3,496
Texas $1,866 $2,746 $3,447
Utah $1,587 $2,295 $3,165
Vermont $1,222 $1,953 $2,135
Virginia $1,151 $1,733 $1,841
Washington $1,523 $2,289 $2,699
West Virginia $1,533 $2,232 $2,757
Wisconsin $1,528 $2,231 $2,709
Wyoming $1,427 $2,096 $2,344

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: