Dodge Ram 2500 Insurance [How to Find Cheap Rates]

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. A liability-only policy costs around $533 a year or $44 each month. Dodge Ram 2500 insurance costs around $191 less per year than the average vehicle. Good drivers can save up to $548 a year on these costs by earning discounts on their policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 are about $191 less per year than the average vehicle with full coverage around $1,328 a year or $111 a month. Drivers of an older Dodge Ram 2500 may choose to get liability coverage only which averages $533 a year or $44 a month.

Good drivers can save up to $548 a year in policy discounts by staying safe and courteous while on the roads. Let’s take a quick look at Dodge Ram 2500 insurance rates, safety features, and more.

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 Dodge Ram 2500 auto insurance rates 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 Toyota Tundra, Chevrolet Silverado, and Ford Ranger.

Vehicle Comprehensive Collision Liability Total
Toyota Tundra $320 $512 $440 $1,452
Chevrolet Silverado $322 $562 $420 $1,484
Ford Ranger $254 $470 $372 $1,254
GMC Sierra 3500HD $376 $656 $420 $1,632
Chevrolet Silverado 3500HD $404 $656 $420 $1,660
GMC Canyon $270 $478 $398 $1,304
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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 will affect the total price you will pay for Dodge Ram 2500 insurance coverage.

Age of the Vehicle

The average Dodge Ram 2500 auto insurance rates are higher for newer models. Auto insurance for a 2010 Dodge Ram 2500 costs $1,328.

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 the cost of Dodge Ram 2500 car insurance. For example, 30-year-old drivers pay approximately $58 more for their Dodge Ram 2500 car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Dodge Ram 2500 insurance rates. For example, drivers in Jacksonville may pay $797 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Dodge Ram 2500 auto 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

Not only do good Dodge Ram 2500 crash test ratings mean you are better protected in a crash, but good Dodge Ram 2500 crash ratings also mean cheaper insurance rates.

Vehicle Tested Overall Frontal Side Rollover
Dodge Ram 2500 N/R N/R N/R 3
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Dodge Ram 2500 Safety Features

Having a variety of safety features on your Dodge Ram 2500 can help lower your Dodge Ram 2500 insurance costs. The Dodge Ram 2500’s safety features include:

  • The adaptive forward lighting system
  • Adaptive cruise control (ACC) with stop
  • Blind-spot monitoring
  • ParkSense front and rear park assist

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 coverage options including comprehensive coverage, so be sure to shop around and 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 auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Dodge Ram 2500 car insurance rates

  • Ask About Usage-Based Insurance for Your Dodge Ram 2500
  • Use an Accurate Job Title When Requesting Dodge Ram 2500 Auto Insurance
  • Tell Your Insurer About Different Drivers or Uses for Your Dodge Ram 2500
  • Ask About Discounts for People with Disabilities
  • Drive Your Dodge Ram 2500 Safely

Top Dodge Ram 2500 Insurance Companies

Who is the top auto insurance company for Dodge Ram 2500 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Dodge Ram 2500 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Dodge Ram 2500 offers.

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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Save on your Dodge Ram 2500 car insurance rates by taking advantage of our FREE comparison tool.

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