Ram 2500 Car Insurance: How Much Should You Expect to Pay?

The average insurance premium for a Ram 2500 averages out to be around $162 monthly. Our latest guide will provide the information you need to know about how much auto insurance companies might charge you to insure your Ram 2500.

Quick Facts

  • A Ram 2500 costs more than most other trucks to insure.
  • Full coverage insurance for a 2500 runs about $168 a month, on average, while liability only insurance usually averages around $70 per month.
  • The cheapest auto insurance company for a 2500 is Acceptance.

2500 Overview

The Ram 2500 is a great budget-friendly truck for drivers of all types, with 2022 models starting at $35,990. There's a 2500 for every driver, with six different trim options available.

We analyzed thousands of car insurance quotes on Compare.com, and we've determined that, on average, Ram 2500 auto insurance premiums run about $162 a month. But where does that fall compared to the rest of the market?

Current Base Price$35,990
Body Style(s)Truck
Trim LevelsBIG HORN/LONE STAR, LARAMIE, LONGHORN, POWERWAGON, LIMITED, TRADESMAN
Average Insurance Premium$162/mo.
Cheapest Insurance CompanyAcceptance

How Much is Car Insurance for a Ram 2500?

Vehicle Liability Only Full Coverage
Ram 2500$70$168
All Ram Models$86$168
All Trucks$70$147
Average Insurance Premium$81$169

In the table above, you'll see that Ram 2500 insurance prices are right around average compared to other vehicles on the road. 2500 drivers generally pay about $70 monthly for liability insurance, and around $168 per month for full coverage, which has comprehensive and collision coverages in addition to liability (discover more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

When compared to other models, the 2500 is in line with the other vehicle types offered by Ram. Compared to truck offerings from other brands, insurance for a 2500 is more expensive than average, with full coverage insurance rates coming in at $21 higher than other trucks and liability insurance prices averaging exactly the same rates.

When compared to all vehicles, regardless of model, body style, or make, liability only rates for the 2500 run about the same, while full coverage car insurance is slightly lower than average.

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Who has the Cheapest Car Insurance for a Ram 2500?

Insurance Company Average Monthly Premium
MetroMile$31
Esurance$40
StateAuto$41
MetLife$43
Elephant$44

If you're in the market for a new car insurance policy for your Ram 2500, you may be most interested in which carrier offers the lowest premiums. While costs will typically be pretty different from policyholder to policyholder, MetroMile provides the most affordable average rates for liability only coverage, with rates as cheap as just $31 monthly. The next lowest company is Esurance, who offers insurance as cheap as $40 per month.

StateAuto, MetLife, and Elephant round out the rest of the top 5 list. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Insurance companies take a multitude of things into consideration when offering you rates. By checking quotes from a multitude of car insurance carriers at once, you can be confident you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a Ram 2500?

As we mentioned above, there are several variables that auto insurance companies take into account to decide how much they charge for car insurance -- and each carrier weighs different variables more heavily than others, so there's not a single company that's the most affordable for every driver.

The sections below show a wide array of factors insurance carriers use to determine rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$82
2-3 Years$65
4-5 Years$58
6-7 Years$72
8-10 Years$97
11-14 YearsNot Enough Data
15 Years or OlderNot Enough Data

The Ram 2500 has been around for a while -- that means vehicle age will likely play a big role in what you end up paying for auto insurance. Generally, it costs more to insure newer cars because they're worth more, however, as time goes on and 2500s begin to depreciate, insurance costs will gradually decrease.

Based on the information in the above table, the Ram 2500 is an outlier, as the cheapest models to insure are those that are 4 to 5 years old, while on average, the most expensive 2500s are 8 to 10 years old.

Your Age

Age Average Monthly Premium

How old you are plays a significant role in how much you pay for car insurance. Based on the information in the table above, younger 2500 drivers pay more for insurance than drivers who have more experience. In this case, drivers aged between 18 and 24 pay $56 more than those 25 or older.

Auto insurance prices continue to go down as you get older, with the cheapest age group being 65 years and older for 2500 drivers.

Your Gender

Gender Average Monthly Premium
Male$72
Female$56

Men normally pay more for auto insurance than women. This is because men are more likely to get tickets and get into collisions, which increases the chances of an insurance claim. The Ram 2500 is no different, and men pay around $72 a month for car insurance, while women pay about $56.

Where You Live

State Average Monthly Premium
California$55
Florida$121
Georgia$124
Illinois$74
New York$94
North Carolina$45
Pennsylvania$45
Texas$75
Virginia$60

You were probably already aware that variables like how old you are and what vehicle you drive play a role in your auto insurance premiums, but did you know that where you live matters just as much? Because insurance is regulated at the state level, rates can shift quite a bit depending on which state you call home.

For example, the average Ram 2500 driver in New York pays around $94 per month for liability coverage, while on average, the same owner in California will pay $39 less than that price.

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Ram 2500 Car Insurance Discounts

Regardless of what state you live in, how old you are, or what vehicle you drive, it's always in your best interest to take advantage of as many car insurance discounts as possible.

Even though all auto insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

  • Multi-policy discounts for bundling your home and auto policies with the same insurance carrier
  • Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
  • Pay-in-full discounts for drivers who agree to pay their entire policy price up front, rather than in monthly installments
  • Multi-car discounts for having more than one vehicle on your auto policy

While these are just a few of the discounts insurance carriers offer, there are countless other ways to save money on you monthly insurance bill. Sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

Even though you may not have control of every factor auto insurance companies consider to calculate prices (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the ones you can use to your advantage when it comes to cost savings:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$81
Multiple Accidents$136
1 Ticket$82
Multiple Tickets$127

You've probably seen ads from car insurance carriers posting large savings for safe drivers. It checks out that if you get cited for speeding or get into a collision, insurance premiums will go up. But exactly how much can these infractions cost you?

According to the table above, accidents will usually cost 2500 drivers less than tickets, but both will result in a raise in rates. Ram 2500 drivers with a single accident on their record pay an average of $81 every month (up $11 from the $70/mo. overall average), while drivers with one ticket will pay about $82 monthly. Drivers who have more than one of either violation will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$39
2,501-5,000 Miles$78
5,001-7,500 Miles$84
7,501-10,000 Miles$70
10,000+ Miles$74

How much you drive annually affects your auto insurance prices. Drivers who are on the roads less are more likely to go accident-free, so they'll usually end up paying less for car insurance. Based on the table above, you can see that Ram 2500 owners who drive fewer than 2,500 miles each year pay an average of $39 a month for insurance, while those who put 10,000 miles or more on their cars pay $74.

But if you don't use your Ram 2500 to travel or commute regularly, it may be worth reviewing pay-per-mile or usage-based car insurance. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Ram 2500s Compare to Other Vehicles?

If you're thinking about making a Ram 2500 your next purchase, you're probably wondering how it compares to other cars. Car insurance is just one cost that comes with buying a new car, but it's definitely one that's worth taking into consideration.

Take a look at the table below to see how the Ram 2500 stacks up:

Ram 2500 National Average
Liability Insurance-$81
Full Coverage Insurance$115$169
Base MSRP$35,990$46,192
Average Annual Mileage11,99311,617

As you can see, a Ram 2500 is a great value when it comes to overall price tag. While the national average vehicle MSRP is $46,192, the 2500 comes in at just $35,990.

Liability insurance for a Ram 2500 is, while full coverage is over $50 cheaper per month.

When it comes to usage, Ram 2500 drivers are pretty close to the national average in annual miles driven, with 11,617 miles a year for all vehicles compared to the 2500's 11,993 per year.

Ram 2500 Car Insurance Costs by Model Year

We've gone over many of the factors that can have an impact on how much the average driver pays to insure a Ram 2500. But if you're in the market for a new car, truck, or SUV and the 2500 is on your wishlist, having a good idea of how much you'll likely pay can be helpful as you consider your choices.

2021 Ram 2500 Car Insurance

   
Liability Only Avg. Premium$108
Full Coverage Avg. Premium$142
Base MSRP$34,095
Cheapest Insurance CompanyDirectGeneral - $77/mo.
Available TrimsBIG HORN, LARAMIE, LIMITED, LONGHORN, POWERWAGON, TRADESMAN

You can expect full coverage for a 2021 Ram 2500 to run about $142 monthly, while liability only coverage will average around $108 a month.

If you're looking for the cheapest possible 2021 Ram 2500 insurance policy, DirectGeneral offered the lowest policy we found, with rates as low as just $77 per month.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get a variety of personalized quotes for free.

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2020 Ram 2500 Car Insurance

   
Liability Only Avg. Premium$76
Full Coverage Avg. Premium$212
Base MSRP$33,895
Cheapest Insurance CompanyDirectGeneral - $33/mo.
Available TrimsBIG HORN, LARAMIE, LIMITED, LONGHORN, POWERWAGON, TRADESMAN

2020 2500 drivers can expect to pay an average of $76 a month for liability or $212 for full coverage.

With rates sometimes as little as $33 monthly, DirectGeneral offered the cheapest policy we found.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2019 Ram 2500 Car Insurance

   
Liability Only Avg. Premium$51
Full Coverage Avg. Premium$151
Base MSRP$33,645
Cheapest Insurance CompanySafeAuto - $38/mo.
Available TrimsBIG HORN, LARAMIE, LIMITED, LONGHORN, POWERWAGON, TRADESMAN

On average, drivers who own a 2019 Ram 2500 can expect to pay $51 to $151 per month for liability only and full coverage insurance, respectively.

SafeAuto offered the lowest policy we found, with rates as little as $38 a month.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2018 Ram 2500 Car Insurance

   
Liability Only Avg. Premium$92
Full Coverage Avg. Premium$183
Base MSRP$33,045
Cheapest Insurance CompanyCommonwealth Casualty - $29/mo.
Available TrimsLARAMIE, LONGHORN, POWERWAGON, SLT, ST

It costs about $92 monthly for liability or $183 for a full coverage policy for the 2018 2500.

With premiums as little as just $29 a month, Commonwealth Casualty offered the most affordable policy we found for the 2018 Ram 2500.

Interested in exactly how much you'll pay? Enter your ZIP code below to get several free customized quotes.

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2017 Ram 2500 Car Insurance

   
Liability Only Avg. Premium$68
Full Coverage Avg. Premium$174
Base MSRP$32,145
Cheapest Insurance CompanyDairyland - $23/mo.
Available TrimsLARAMIE, LONGHORN, POWERWAGON, SLT, ST

The average cost to insure a 2017 Ram 2500 with liability only coverage is $68 per month, while full coverage runs around $174 monthly.

Looking for the cheapest policy? Dairyland offered liability only coverage for as low as $23 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2016 Ram 2500 Car Insurance

   
Liability Only Avg. Premium$62
Full Coverage Avg. Premium$161
Base MSRP$31,780
Cheapest Insurance CompanyLiberty Mutual - $26/mo.
Available TrimsLARAMIE, LONGHORN, POWERWAGON, SLT, ST

It costs about $62 per month for liability or $161 for a full coverage policy for the 2016 2500.

We found Liberty Mutual offered the lowest policy, with rates sometimes as cheap as $26 monthly.

While these are good estimates of what the average driver might pay to insure a 2016 Ram 2500, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2015 Ram 2500 Car Insurance

   
Liability Only Avg. Premium$74
Full Coverage Avg. Premium$167
Base MSRP$30,985
Cheapest Insurance CompanyLiberty Mutual - $26/mo.
Available TrimsLARAMIE, LONGHORN, POWERWAGON, SLT, ST

On average, drivers who own a 2015 Ram 2500 can expect to pay $74 to $167 per month for liability only and full coverage car insurance, respectively.

Liberty Mutual has rates sometimes as low as $26 a month for the 2015 Ram 2500.

Want to know exactly how much you'll pay? Get multiple customized quotes for free by just entering your ZIP code below.

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2014 Ram 2500 Car Insurance

   
Liability Only Avg. Premium$70
Full Coverage Avg. Premium$168
Base MSRP$30,115
Cheapest Insurance CompanyMetLife - $27/mo.
Available TrimsLARAMIE, LONGHORN, POWERWAGON, SLT, ST

2014 2500 drivers can expect to pay an average of $70 monthly for liability or $168 for full coverage.

MetLife offered the most affordable policy we found, with rates as cheap as $27 per month.

If you want to find the best premiums for insurance for a 2014 Ram 2500, enter your ZIP code below and compare lots of personalized quotes in just a few minutes.

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2013 Ram 2500 Car Insurance

   
Liability Only Avg. Premium$53
Full Coverage Avg. Premium$154
Base MSRP$29,420
Cheapest Insurance CompanyLiberty Mutual - $23/mo.
Available TrimsLARAMIE, LONGHORN, POWERWAGON, SLT, ST

You can expect full coverage for a 2013 Ram 2500 to run around $154 monthly, while liability only coverage will average about $53 a month.

Looking for the lowest policy? Liberty Mutual offered liability only coverage for sometimes as cheap as $23 monthly.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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Ram 2500 Insurance FAQs

Is a Ram 2500 expensive to insure?

The Ram 2500 is more expensive to insure compared to the average truck. Liability insurance runs an average of $70 a month, while full coverage will cost you around $168.

How can I get the best price on car insurance for my Ram 2500?

There's only one way to confirm you're getting the cheapest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from an array of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Ram 2500 affect my insurance rates?

You may have heard the old adage that it costs more to insure a red car, but that's actually not the case. There are multiple things auto insurance carriers use when they calculate how much your policy will be, but your car's color is not one of them.

Do I need to have insurance before I buy a Ram 2500?

You'll need to have a valid insurance policy before you can legally drive your new (or new to you) vehicle off the dealership lot. As part of the buying process, some dealerships might offer you a car insurance policy, but it's best to let your auto insurance carrier know ahead of time.

What car insurance discounts can I get for my Ram 2500?

There are a whole range of discounts out there when it comes to car insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are more based on you than the 2500 you drive, but if your 2500 has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. The only way to be certain is to reach out to your insurance company and ask about their list of discounts.

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