Affordable Ram Truck 2500 Insurance: Key Cost Influencers

Is car insurance for a Ram Truck 2500 affordable?

We compiled the average cost from the Tradesman Regular Cab 2WD model up to the Limited Mega Cab 4WD trim to look at how insurance for a Ram 2500 compares to the rest of the heavy duty truck segment.

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  • Ram 2500 insurance costs an average of $2,988 per year or around $249 per month, depending on the trim level.
  • Drivers can find the cheapest insurance on the Tradesman Regular Cab 2WD trim level at $2,590 per year.
  • The Limited Mega Cab 4WD has the highest rates at $3,216 per year.
  • The Ram 2500 ranks 10th out of 10 vehicles in the heavy duty truck class for insurance affordability.

How much does Ram 2500 insurance cost?

Ram 2500 truck insurance costs around $2,988 a year, or around $249 if paid each month. Drivers can plan on paying about $294 more annually for insurance on the Ram three-quarter ton truck when compared to the average rate for all heavy duty trucks, and $767 more per year than the $2,221 national average.

The following chart breaks down average car insurance rates on a 2024 Ram 2500 using different driver ages and risk profiles.

Average 2024 Ram Truck 2500 insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 Ram Truck 2500 insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2024 model year Ram Truck 2500 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Ram Truck 2500 trim levels.

2024 Ram Truck 2500 Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,916$576
Safe Driver Age 20$6,046$504
At-fault Accidents Age 40$4,262$355
Low Deductibles Age 40$3,854$321
Safe Driver Age 30$3,182$265
Safe Driver Age 40$2,988$249
Safe Driver Age 50$2,658$222
High Deductibles Age 40$2,544$212
Safe Driver Age 60$2,484$207
Discount Rate Age 40$2,478$207

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ram Truck 2500 trim levels. Updated June 27, 2025

What is the cheapest Ram 2500 insurance?

The cheapest trim level of Ram 2500 pickup to insure is the Tradesman Regular Cab 2WD at an estimated $2,590 per year, or about $216 per month. The second cheapest trim is the Tradesman Crew Cab 2WD at $2,676 per year, and the third cheapest model to insure is the Tradesman Regular Cab 4WD, also at $2,766 per year.

Ram 2500 Heavy Duty truck emblem
2021 Ram 2500 Heavy Duty Limited 6.4L Hemi

At the top end of the insurance cost range, the three highest cost Ram 2500 trim levels to insure are the Limited Longhorn Mega Cab 4WD, the Limited Crew Cab 4WD, and the Limited Mega Cab 4WD trim levels all costing an average of $3,216 per year to insure.

The rate table below displays average insurance rates, in addition to a monthly budgeting amount, for each 2024 Ram 2500 pickup truck package and trim level.

2024 Ram Truck 2500 Insurance Rates by Trim Level
2024 Ram Truck 2500 Trim Level Annual Premium Cost Per Month
Tradesman Regular Cab 2WD$2,590$216
Tradesman Crew Cab 2WD$2,676$223
Tradesman Regular Cab 4WD$2,766$231
Tradesman Crew Cab 4WD$2,836$236
Big Horn Crew Cab 4WD$2,920$243
Laramie Crew Cab 2WD$2,928$244
Power Wagon Crew Cab 4WD$3,062$255
Rebel Crew Cab 4WD$3,062$255
Laramie Crew Cab 4WD$3,068$256
Laramie Mega Cab 4WD$3,166$264
Limited Longhorn Crew Cab 4WD$3,180$265
Limited Longhorn Mega Cab 4WD$3,186$266
Limited Crew Cab 4WD$3,210$268
Limited Mega Cab 4WD$3,216$268

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. Updated June 26, 2025

Insurance cost by trim level for a 2024 Ram Truck 2500 ranging from the Tradesman Regular Cab 2WD model at $2,590 per year to the Limited Mega Cab 4WD model at $3,216
Insurance cost by trim level for a 2024 Ram Truck 2500 ranging from the Tradesman Regular Cab 2WD model at $2,590 per year to the Limited Mega Cab 4WD model at $3,216

Is Ram 2500 insurance expensive?

When compared to the other heavy duty truck brands, insurance for a Ram 2500 pickup costs $416 more per year than the Chevrolet Silverado HD 2500, $484 more than the Chevrolet Silverado HD 3500, $172 more than the Ford F250 Super Duty, and $152 more than the Ford F350 Super Duty.

The Ram 2500 ranks 10th out of 10 total vehicles in the heavy duty truck segment. Full coverage insurance costs an average of $2,988 per year, while the class median cost is $2,694, a difference of $294 per year.

The table below shows how insurance cost for a Ram 2500 compares to the other heavy duty truck competitors.

Insurance Cost Comparison: Ram 2500 vs Heavy Duty Trucks
Rank Make and Model Annual Premium Difference
1GMC Sierra 2500 HD$2,384-$604
2GMC Sierra 3500$2,482-$506
3Chevrolet Silverado HD 3500$2,504-$484
4Chevrolet Silverado HD 2500$2,572-$416
5Nissan Titan XD$2,590-$398
6Ford F450 Super Duty$2,802-$186
7Ford F250 Super Duty$2,816-$172
8Ford F350 Super Duty$2,836-$152
9Ram Truck 3500$2,964-$24
10Ram Truck 2500$2,988--

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 vehicle from the 2024 model year. Updated June 27, 2025

At $2,988 per year, insurance cost for a 2024 Ram Truck 2500 ranks 10th out of 10 models in the heavy duty truck segment
At $2,988 per year, insurance cost for a 2024 Ram Truck 2500 ranks 10th out of 10 models in the heavy duty truck segment

How much does a used Ram 2500 cost to insure?

Older Ram 2500 trucks cost less to insure than a new 2024 model. For example, a 2013 model could cut your insurance cost by $1,312 per year. A 2018 model could save around $692, depending on the coverage limits and deductibles.

The data table below illustrates average car insurance costs for various Ram 2500 model years and driver age groups. Cost ranges from the cheapest rate of $1,410 for a 60-year-old driver rated on a 2013 Ram 2500 to the most expensive yearly cost of $6,046 for a 20-year-old driving a 2024 model year.

Ram Truck 2500 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2024 Ram Truck 2500$6,046$2,988$2,484
2023 Ram Truck 2500$5,202$2,578$2,152
2022 Ram Truck 2500$5,336$2,636$2,202
2021 Ram Truck 2500$5,220$2,546$2,132
2020 Ram Truck 2500$5,084$2,478$2,078
2019 Ram Truck 2500$4,954$2,412$2,022
2018 Ram Truck 2500$4,708$2,296$1,930
2017 Ram Truck 2500$4,662$2,276$1,912
2016 Ram Truck 2500$4,062$1,994$1,674
2015 Ram Truck 2500$3,918$1,924$1,620
2014 Ram Truck 2500$3,816$1,878$1,580
2013 Ram Truck 2500$3,386$1,676$1,410

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 Ram Truck 2500 trim levels for each model year. Updated June 26, 2025

Average insurance rates for 2013 to 2024 Ram Truck 2500 models for drivers age 20, 40 and 60
Average insurance rates for 2013 to 2024 Ram Truck 2500 models for drivers age 20, 40 and 60

Ultimately, as any vehicle gets older, it is a good idea to drop either comprehensive or collision or both from a policy. As vehicles age, the cost of carrying full coverage surpasses the benefit of having it on the policy.

Removing full coverage on an older Ram 2500 truck may save the average driver $916 per year, depending on the deductibles and the driver age.

Some additional insights regarding Ram 2500 insurance include:

  • Get cheaper rates because of your profession. The vast majority of insurance companies offer discounts for being employed in occupations like accountants, engineers, members of the military, police officers and law enforcement, college professors, and others. If you work in a qualifying profession, you could potentially save between $90 and $228 on your annual Truck 2500 insurance premiuim, subject to policy limits.
  • Raising physical damage deductibles lowers cost. Increasing your policy deductibles from $500 to $1,000 could save around $444 per year for a 40-year-old driver and $870 per year for a 20-year-old driver.
  • The lower deductible you choose, the higher the policy cost. Lowering deductibles from $500 to $250 could cost an additional $464 per year for a 40-year-old driver and $920 per year for a 20-year-old driver.
  • High risk insurance is expensive. For a 30-year-old driver, the need to buy a high-risk policy could raise rates by $3,734 or more per year.
  • Young male drivers pay the highest rates. For a 2024 Ram 2500, a 20-year-old male will pay an estimated rate of $6,046 per year, while a 20-year-old woman pays an average of $4,338, a difference of $1,708 per year. Women get significantly cheaper rates. But by age 50, male driver rates are $2,658 and female rates are $2,582, a difference of only $76.
  • Getting older means cheaper auto insurance rates. The difference in insurance cost between a 60-year-old driver ($2,484 per year) and a 20-year-old driver ($6,046 per year) is $3,562, or a savings of 83.5%.
  • Avoid traffic tickets to pay less. In order to have the cheapest Ram 2500 car insurance rates, it’s necessary to to be a conservative driver. In fact, just one or two minor driving offenses have the ramification of increasing policy cost by at least $810 per year.
  • Safer drivers pay lower rates. Causing frequent accidents will increase insurance cost, potentially by an additional $1,466 per year for a 30-year-old driver and even $772 per year for a 60-year-old driver.