Dodge Ram 2500 Car Insurance [List of Money Saving Tips]

Dodge Ram 2500 insurance rates are $1,328 a year, or around $111 a month on average. Comprehensive, collision, and liability insurance cost around $323, $472, and $375, respectively.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 25, 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 $191 cheaper than the average vehicle. High-risk drivers, like teen drivers, can pay up to $405 per month, while other drivers pay $111 per month for full coverage. Continue reading to learn how you can save money on Dodge Ram 2500 insurance rates.

You can start comparing quotes for Dodge Ram 2500 insurance rates from some of the best auto insurance companies by using our free online tool now.

Dodge Ram 2500 Insurance Cost

The average Dodge Ram 2500 auto insurance costs 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 GMC Sierra, Nissan Frontier, and Chevrolet Silverado 3500HD.

Vehicle Comprehensive Collision Liability Total
GMC Sierra $336 $594 $372 $1,460
Nissan Frontier $294 $500 $420 $1,394
Chevrolet Silverado 3500HD $404 $656 $420 $1,660
Honda Ridgeline $306 $536 $450 $1,472
Toyota Tundra $320 $512 $440 $1,452
GMC Sierra 3500HD $376 $656 $420 $1,632
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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 can impact the total price you will pay for Dodge Ram 2500 insurance coverage.

Age of the Vehicle

Older Dodge Ram 2500 models generally cost less to insure. For example, auto insurance for a 2010 Dodge Ram 2500 costs $1,328, while 2010 Dodge Ram 2500 insurance costs are $1,328, a difference of $.

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 impact on Dodge Ram 2500 auto insurance rates. As an example, a 40-year-old driver could pay $140 less each month for their Dodge Ram 2500 auto insurance compared to a 20-year-old driver.

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 the cost of Dodge Ram 2500 auto insurance. Teens and drivers in their 20’s see sees the highest jump in their Dodge Ram 2500 auto insurance with violations on their driving record.

Dodge Ram 2500 Safety Ratings

Your Dodge Ram 2500 insurance rates are tied to the safety ratings of the Dodge Ram 2500. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Not Tested
Side Not Tested
Roof strength Not Tested
Head restraints and seats Not Tested
Source: Insurance Institute for Highway Safety
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Dodge Ram 2500 Crash Test Ratings

Dodge Ram 2500 crash test ratings can impact the cost of your Dodge Ram 2500 auto insurance. See Dodge Ram 2500 crash test results below:

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

Good Dodge Ram 2500 safety features can result in insurers giving you auto insurance discounts. The safety features for the 2020 Dodge Ram 2500 are:

  • Advanced multistage front airbags
  • Supplemental side airbags
  • Supplemental side curtain front airbags
  • Supplemental side curtain front & rear airbags
  • Passenger airbag on/off switch
  • Front height-adjustable shoulder belts
  • Tire pressure monitoring warning lamp
  • Child safety rear door locks
  • Dual note horn

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 many ways that you can save on Dodge Ram 2500 auto insurance. Below are five actions you can take to find cheap Dodge Ram 2500 auto insurance rates.

  • Compare Dodge Ram 2500 Quotes Online
  • Save Money on Young Driver Dodge Ram 2500 Insurance By Mentioning Grades or GPA
  • Install an Aftermarket Anti-Theft Device for Your Dodge Ram 2500
  • Compare Dodge Ram 2500 Quotes for Free Online
  • Make Sure You’re Raising a Safe Driver

Top Dodge Ram 2500 Insurance Companies

The best auto insurance companies for Dodge Ram 2500 insurance rates will offer competitive rates, discounts, and account for the Dodge Ram 2500’s safety features. The following list of auto 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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Compare Free Dodge Ram 2500 Insurance Quotes Online

You can start comparing quotes for Dodge Ram 2500 insurance rates from some of the best auto insurance companies by using our free online tool now.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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