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How Much is Insurance for a Dodge Ram 2500?

Auto insurance rates for a Dodge Ram 2500 average $1,328 a year, or around $111 a month. On average, Dodge Ram 2500 comprehensive insurance coverage costs $323, collision coverage costs $472, and liability coverage costs $375.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 19, 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 around $191 less per year than the average vehicle, with full coverage averaging around $1,328 a year or $111 a month. Teen drivers have the highest rates at around $4,854 a year or $405 a month. Good drivers can save up to $548 a year for staying claim-free. Let’s take a 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 car 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, Dodge Ram, and GMC Sierra.

Vehicle Comprehensive Collision Liability Total
Toyota Tundra $320 $512 $440 $1,452
Dodge Ram $362 $562 $420 $1,524
GMC Sierra $336 $594 $372 $1,460
GMC Sierra 2500HD $336 $656 $420 $1,592
Ford F-150 $322 $470 $372 $1,322
Toyota Tacoma $294 $482 $390 $1,324

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?

You might have noticed that there is a multitude of factors that impact Dodge Ram 2500 car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Dodge Ram 2500.

Age of the Vehicle

Older Dodge Ram 2500 models generally cost less to insure.

Model Year Comprehensive Collision Liability Total
2010 Dodge Ram 2500 $242 $382 $524 $1,328

Driver Age

Driver age can have a significant effect on Dodge Ram 2500 car insurance rates. For example, 20-year-old drivers pay $1,625 more for their Dodge Ram 2500 car insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Dodge Ram 2500 insurance rates. For example, drivers in New York may pay $810 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on your Dodge Ram 2500 car insurance rates. 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

The crash test ratings of the Dodge Ram 2500 can impact your Dodge Ram 2500 car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
Dodge Ram 2500 4 4 5 4
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Dodge Ram 2500 Safety Features

The Dodge Ram 2500 safety features can help lower insurance costs. According to AutoBlog, the 2020 Dodge Ram 2500 has the following safety features:

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

Dodge Ram 2500 Finance and Insurance Cost

If you are financing a Dodge Ram 2500, you will pay more if you purchase Dodge Ram 2500 auto insurance at the dealership, so be sure to shop around and compare Dodge Ram 2500 auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Dodge Ram 2500 Insurance

There are several ways you can save even more on your Dodge Ram 2500 car insurance rates. Take a look at the following five tips:

  • Remove Unnecessary Insurance Once Your Dodge Ram 2500 is Paid Off
  • Use Paperless Billing for Your Dodge Ram 2500 Insurance Policy
  • Tell Your Insurer About Different Drivers or Uses for Your Dodge Ram 2500
  • Check the Odometer on Your Dodge Ram 2500
  • Consider Ride Sharing Services to Lower Your Dodge Ram 2500 Mileage

Top Dodge Ram 2500 Insurance Companies

The best auto insurance companies for Dodge Ram 2500 car insurance rates will offer competitive rates, discounts, and account for the Dodge Ram 2500’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

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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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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