RAM 2500 Insurance Cost

Auto insurance for a RAM 2500 will cost about $1,802 per year.

This beats the national average for popular heavy-duty models by $423. 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

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RAM 2500 Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $6,105 $8,964 $10,487
18 $5,689 $8,354 $9,773
19 $5,028 $7,383 $8,637
20 $4,384 $6,437 $7,531
21 $3,676 $5,398 $6,315
22 $3,580 $5,258 $6,151
23 $3,133 $4,600 $5,382
24 $2,976 $4,370 $5,113
25 $2,568 $3,772 $4,412
30 $2,001 $2,938 $3,437
35 $1,874 $2,752 $3,219
40 $1,802 $2,646 $3,096
45 $1,754 $2,575 $3,013
55 $1,608 $2,362 $2,763
65 $1,678 $2,464 $2,882
75 $2,118 $3,110 $3,638

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 $1,910 $2,773 $3,530
Alaska $1,579 $2,190 $2,128
Arizona $1,786 $2,581 $3,803
Arkansas $1,958 $3,076 $3,387
California $2,180 $3,855 $2,180
Colorado $2,034 $2,847 $3,612
Connecticut $2,599 $4,031 $5,116
Delaware $2,151 $2,867 $3,683
Florida $2,562 $3,544 $4,618
Hawaii $834 $1,133 $834
Idaho $1,449 $1,921 $2,336
Illinois $1,517 $2,293 $2,615
Indiana $1,559 $2,383 $2,674
Iowa $1,235 $1,693 $1,991
Kansas $1,642 $2,390 $2,795
Kentucky $2,374 $3,485 $4,116
Louisiana $3,048 $4,607 $4,995
Maine $1,153 $1,593 $2,352
Maryland $1,865 $2,715 $3,015
Massachusetts $1,496 $2,609 $1,496
Michigan $3,609 $5,500 $8,675
Minnesota $1,486 $1,981 $2,790
Mississippi $1,794 $2,558 $2,575
Missouri $1,690 $2,416 $3,174
Montana $1,718 $2,397 $2,791
Nebraska $1,452 $2,148 $2,334
Nevada $2,396 $3,553 $3,754
New Hampshire $1,667 $2,635 $3,331
New Jersey $1,836 $2,881 $3,770
New Mexico $1,875 $2,789 $2,895
New York $1,737 $2,187 $3,651
North Carolina $1,077 $1,850 $1,319
North Dakota $1,473 $2,239 $2,648
Ohio $1,314 $2,026 $2,078
Oklahoma $2,098 $3,004 $3,382
Oregon $1,909 $2,561 $3,059
Pennsylvania $1,608 $2,361 $2,762
Rhode Island $2,685 $3,938 $4,434
South Carolina $1,823 $2,527 $3,487
South Dakota $1,636 $2,357 $2,720
Tennessee $1,924 $2,832 $3,771
Texas $1,937 $2,799 $3,481
Utah $1,648 $2,309 $3,178
Vermont $1,269 $1,954 $2,065
Virginia $1,195 $1,835 $1,798
Washington $1,582 $2,147 $2,564
West Virginia $1,592 $2,279 $2,856
Wisconsin $1,587 $2,477 $2,825
Wyoming $1,481 $2,074 $2,209
Georgia $2,088 $3,123 $3,149

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: