2022 Ram Truck 2500 Car Insurance Calculator

Find out how changes to driver risk factors and vehicle options impact the cost of insurance for a 2022 Ram Truck 2500. Modify options like vehicle usage, gender of the driver, and marital status to learn how rates change. See instantly if rates change for better or worse.

The average estimated car insurance premium for a 2022 Ram Truck 2500 is $2,636 per year, or about $220 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,636

Cost Per Month

$220

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Ram Truck 2500 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2022 Ram Truck 2500.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,636
Average Rate
Your Rate
$2,636

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2022 Ram Truck 2500 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2022 Ram Truck 2500 is $2,636.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2022 Ram Truck 2500 Segment Comparison

The table below compares insurance rates for the 2022 Ram Truck 2500 against all other models in the heavy duty truck segment. The Ram Truck 2500 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Ram Truck 2500, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Ram Truck 2500.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2022 Ram Truck 2500 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford F350 Super Duty$2,320-$316
2Chevrolet Silverado HD 3500$2,328-$308
3Nissan Titan XD$2,398-$238
4GMC Sierra 2500 HD$2,492-$144
5GMC Sierra 3500$2,512-$124
6Ford F250 Super Duty$2,542-$94
2022 Heavy Duty Truck Average$2,546-$90
7Chevrolet Silverado HD 2500$2,552-$84
8Ram Truck 2500$2,636--
9Ford F450 Super Duty$2,810$174
10Ram Truck 3500$2,874$238

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2022 Truck 2500 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 Ram Truck 2500.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2022 Ram Truck 2500 Insurance Rates by Trim Level
2022 Ram Truck 2500 Trim Level Annual Premium Cost Per Month
Tradesman Regular Cab 2WD$2,334$195
Tradesman Crew Cab 2WD$2,408$201
Big Horn Regular Cab 2WD$2,420$202
Big Horn Crew Cab 2WD$2,496$208
Tradesman Regular Cab 4WD$2,500$208
Tradesman Crew Cab 4WD$2,566$214
Big Horn Regular Cab 4WD$2,580$215
Laramie Crew Cab 2WD$2,588$216
Big Horn Crew Cab 4WD$2,646$221
Big Horn Mega Cab 4WD$2,662$222
Limited Longhorn Crew Cab 2WD$2,662$222
Limited Crew Cab 2WD$2,702$225
Laramie Crew Cab 4WD$2,728$227
Laramie Mega Cab 4WD$2,740$228
Power Wagon Crew Cab 4WD$2,740$228
Limited Longhorn Crew Cab 4WD$2,796$233
Limited Longhorn Mega Cab 4WD$2,808$234
Limited Crew Cab 4WD$2,830$236
Limited Mega Cab 4WD$2,842$237

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2022 Ram Truck 2500 for different driver ages.

2022 Ram Truck 2500 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,772$814
17$9,362$780
18$8,192$683
19$7,524$627
20$5,706$476
21$5,435$453
22$4,831$403
23$4,024$335
24$3,776$315
25$3,052$254
30$2,788$232
35$2,712$226
40$2,636$220
45$2,480$207
50$2,358$197
55$2,198$183
60$2,202$184
65$2,350$196
70$2,584$215
75$3,096$258
80$3,834$320

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Ram Truck 2500 trim levels.