Ram 2500 Insurance Cost and Rate Comparisons

• Ram 2500 insurance costs an average of $2,002 per year or around $167 per month, depending on the trim level.
• Drivers can find the cheapest insurance on the Tradesman Regular Cab 2WD trim level at $1,766 per year.
• The Limited Mega Cab 4WD has the highest rates at $2,180 per year.
• The Ram 2500 ranks sixth 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 $2,002 a year, or around $167 if paid each month. Drivers can plan on paying about $25 less annually for insurance on the Ram three-quarter ton truck when compared to the average rate for all heavy duty trucks, and $317 more per year than the $1,685 national average.

The following chart breaks down average car insurance rates on a 2023 Ram 2500 using different driver ages and risk profiles.

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 $1,766 per year, or about $147 per month. The second cheapest trim is the Tradesman Crew Cab 2WD at $1,818 per year, and the third cheapest model to insure is the Big Horn Regular Cab 2WD, also at $1,830 per year.

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 $2,180 per year to insure.

The rate table below displays average insurance rates, in addition to a monthly budgeting amount, for each 2023 Ram 2500 pickup truck package and trim level.

Is Ram 2500 insurance expensive?

When compared to the other heavy duty truck brands, insurance for a Ram 2500 pickup costs $66 more per year than the Chevrolet Silverado HD 2500, $62 more than the Chevrolet Silverado HD 3500, $130 less than the Ford F250 Super Duty, and $106 less than the Ford F350 Super Duty.

The Ram 2500 ranks sixth out of 10 total vehicles in the heavy duty truck segment. Full coverage insurance costs an average of $2,002 per year, while the class median cost is $2,027, a difference of $25 per year.

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

How much does a used Ram 2500 cost to insure?

Older Ram 2500 trucks cost less to insure than a new 2023 model. For example, a 2013 model could cut your insurance cost by $612 per year. A 2018 model could save around $134, 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 $1,248 for a 60-year-old driver rated on a 2013 Ram 2500 to the most expensive yearly cost of $3,982 for a 20-year-old driving a 2023 model year.

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 $716 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 $60 and $178 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 $272 per year for a 40-year-old driver and $532 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 $286 per year for a 40-year-old driver and $558 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 $2,458 or more per year.
• Young male drivers pay the highest rates. For a 2023 Ram 2500, a 20-year-old male will pay an estimated rate of $3,982 per year, while a 20-year-old woman pays an average of $2,964, a difference of $1,018 per year. Women get significantly cheaper rates. But by age 50, male driver rates are $1,826 and female rates are $1,792, a difference of only $34.
• Getting older means cheaper auto insurance rates. The difference in insurance cost between a 60-year-old driver ($1,792 per year) and a 20-year-old driver ($3,982 per year) is $2,190, or a savings of 75.9%.
• 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 $534 per year.
• Safer drivers pay lower rates. Causing frequent accidents will increase insurance cost, potentially by an additional $930 per year for a 30-year-old driver and even $636 per year for a 60-year-old driver.