RAM 2500 Insurance Cost

Auto insurance for a RAM 2500 will cost about $1,579 per year.

This beats the national average for popular heavy-duty models by $208. 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 $5,349 $7,855 $9,189
18 $4,985 $7,320 $8,564
19 $4,406 $6,469 $7,568
20 $3,841 $5,641 $6,599
21 $3,221 $4,730 $5,534
22 $3,137 $4,607 $5,389
23 $2,745 $4,031 $4,716
24 $2,608 $3,829 $4,480
25 $2,251 $3,305 $3,866
30 $1,753 $2,574 $3,012
35 $1,642 $2,411 $2,821
40 $1,579 $2,319 $2,713
45 $1,537 $2,257 $2,640
55 $1,409 $2,069 $2,421
65 $1,470 $2,159 $2,525
75 $1,856 $2,725 $3,188

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 $1,673 $2,430 $3,093
Alaska $1,384 $1,919 $1,865
Arizona $1,565 $2,262 $3,332
Arkansas $1,715 $2,695 $2,968
California $1,910 $3,378 $1,910
Colorado $1,782 $2,494 $3,165
Connecticut $2,277 $3,532 $4,483
Delaware $1,885 $2,512 $3,227
Florida $2,245 $3,105 $4,047
Georgia $1,830 $2,736 $2,759
Hawaii $731 $992 $731
Idaho $1,270 $1,684 $2,047
Illinois $1,329 $2,009 $2,291
Indiana $1,366 $2,088 $2,343
Iowa $1,082 $1,483 $1,744
Kansas $1,439 $2,094 $2,449
Kentucky $2,080 $3,054 $3,606
Louisiana $2,671 $4,037 $4,377
Maine $1,010 $1,396 $2,061
Maryland $1,634 $2,379 $2,642
Massachusetts $1,311 $2,286 $1,311
Michigan $3,163 $4,819 $7,602
Minnesota $1,302 $1,736 $2,444
Mississippi $1,572 $2,242 $2,256
Missouri $1,481 $2,117 $2,781
Montana $1,506 $2,101 $2,445
Nebraska $1,273 $1,882 $2,045
Nevada $2,099 $3,114 $3,289
New Hampshire $1,460 $2,309 $2,919
New Jersey $1,609 $2,524 $3,303
New Mexico $1,643 $2,444 $2,537
New York $1,522 $1,916 $3,199
North Carolina $943 $1,621 $1,156
North Dakota $1,291 $1,962 $2,320
Ohio $1,151 $1,775 $1,820
Oklahoma $1,838 $2,632 $2,963
Oregon $1,673 $2,244 $2,681
Pennsylvania $1,409 $2,069 $2,420
Rhode Island $2,352 $3,451 $3,886
South Carolina $1,597 $2,214 $3,056
South Dakota $1,433 $2,065 $2,383
Tennessee $1,686 $2,481 $3,305
Texas $1,698 $2,452 $3,050
Utah $1,444 $2,023 $2,784
Vermont $1,112 $1,712 $1,809
Virginia $1,047 $1,608 $1,576
Washington $1,386 $1,881 $2,247
West Virginia $1,395 $1,997 $2,503
Wisconsin $1,390 $2,171 $2,476
Wyoming $1,298 $1,817 $1,935

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: