Ram 2500 Insurance Cost [2022 Rates + HD Truck Comparisons]

How much does Ram 2500 insurance cost? We compare rates from the Tradesman up to the Mega Cab Longhorn to see how they rank against the heavy duty truck segment.

Start QuoteCompare Ram 2500 car insurance rates and save on your next policy.

 

  • Ram 2500 insurance costs an average of $1,884 per year or around $157 per month, depending on the trim level.
  • Drivers can find the cheapest insurance on the Tradesman Regular Cab 2WD trim level at $1,666 per year.
  • The Limited Mega Cab 4WD has the highest rates at $2,028 per year.
  • The Ram 2500 ranks #8 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 $1,884 a year, or around $157 if paid each month. Drivers can plan on paying about $66 more 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 $1,567 national average.

The following chart breaks down average car insurance rates on a 2022 Ram 2500 using different driver ages and risk profiles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 24, 2022
Ram 2500 Truck Insurance Cost Summary
Ram Truck 2500 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,278$357
Safe Driver Age 20$3,746$312
At-fault Accidents Age 40$2,682$224
Low Deductibles Age 40$2,362$197
Safe Driver Age 30$1,958$163
Safe Driver Age 40$1,884$157
Safe Driver Age 50$1,716$143
Safe Driver Age 60$1,686$141
High Deductibles Age 40$1,634$136
Discount Rate Age 40$1,560$130

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 $1,666 per year, or about $139 per month. The second cheapest trim is the Tradesman Crew Cab 2WD at $1,720 per year, and the third cheapest model to insure is the Big Horn Regular Cab 2WD, also at $1,728 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 $2,028 per year to insure.

The rate table below displays average insurance rates, in addition to a monthly budgeting amount, for each 2022 Ram 2500 pickup truck package and trim level.

2022 Ram Truck 2500 Insurance Cost by Trim Level
Ram Truck 2500 Trim Level Annual Policy 6-month Policy Per Month
Tradesman Regular Cab 2WD$1,666$833$139
Tradesman Crew Cab 2WD$1,720$860$143
Big Horn Regular Cab 2WD$1,728$864$144
Big Horn Crew Cab 2WD$1,782$891$149
Tradesman Regular Cab 4WD$1,786$893$149
Tradesman Crew Cab 4WD$1,834$917$153
Big Horn Regular Cab 4WD$1,842$921$154
Laramie Crew Cab 2WD$1,848$924$154
Big Horn Crew Cab 4WD$1,888$944$157
Big Horn Mega Cab 4WD$1,900$950$158
Limited Longhorn Crew Cab 2WD$1,902$951$159
Limited Crew Cab 2WD$1,928$964$161
Laramie Crew Cab 4WD$1,948$974$162
Laramie Mega Cab 4WD$1,956$978$163
Power Wagon Crew Cab 4WD$1,956$978$163
Limited Longhorn Crew Cab 4WD$1,994$997$166
Limited Longhorn Mega Cab 4WD$2,004$1,002$167
Limited Crew Cab 4WD$2,020$1,010$168
Limited Mega Cab 4WD$2,028$1,014$169

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Ram Truck 2500, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
Ram 2500 Insurance Cost by Trim Level

Is Ram 2500 insurance expensive?

When compared to the other heavy duty truck brands, insurance for a Ram 2500 pickup costs $62 more per year than the Chevrolet Silverado HD 2500, $218 more than the Chevrolet Silverado HD 3500, $70 more than the Ford F250 Super Duty, and $228 more than the Ford F350 Super Duty.

The Ram 2500 ranks #8 out of 10 total vehicles in the heavy duty truck segment. Full coverage insurance costs an average of $1,884 per year, while the class median cost is $1,818, a difference of $66 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/Model Insurance Cost Difference
1Ford F350 Super Duty$1,656-$228
2Chevrolet Silverado HD 3500$1,666-$218
3Nissan Titan XD$1,714-$170
4GMC Sierra 2500 HD$1,780-$104
5GMC Sierra 3500$1,794-$90
6Ford F250 Super Duty$1,814-$70
7Chevrolet Silverado HD 2500$1,822-$62
8Ram Truck 2500$1,884--
9Ford F450 Super Duty$2,004$120
10Ram Truck 3500$2,050$166

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
Insurance Cost Comparison: Ram 2500 vs Heavy Duty Trucks

How much does a used Ram 2500 cost to insure?

Older Ram 2500 trucks cost less to insure than a new 2022 model. For example, a 2013 model could cut your insurance cost by $592 per year. A 2018 model could save around $168, 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 $1,162 for a 60-year-old driver rated on a 2013 Ram 2500 to the most expensive yearly cost of $3,746 for a 20-year-old driving a 2022 model year.

Ram Truck 2500 Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$3,746$1,958$1,884$1,716$1,686
2021$3,642$1,884$1,814$1,658$1,628
2020$3,592$1,852$1,786$1,634$1,606
2019$3,560$1,832$1,768$1,618$1,588
2018$3,450$1,774$1,716$1,570$1,542
2017$3,464$1,780$1,718$1,574$1,546
2016$3,084$1,590$1,534$1,406$1,380
2015$3,024$1,558$1,510$1,378$1,354
2014$2,916$1,502$1,458$1,336$1,310
2013$2,582$1,336$1,292$1,182$1,162

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
Ram 2500 Insurance Cost by 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 $680 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 $57 and $159 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 $250 per year for a 40-year-old driver and $482 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 $256 per year for a 40-year-old driver and $506 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 $2,320 or more per year.
  • Young male drivers pay the highest rates. For a 2022 Ram 2500, a 20-year-old male will pay an estimated rate of $3,746 per year, while a 20-year-old woman pays an average of $2,788, a difference of $958 per year. Women get significantly cheaper rates. But by age 50, male driver rates are $1,716 and female rates are $1,684, a difference of only $32.
  • Getting older means cheaper auto insurance rates. The difference in insurance cost between a 60-year-old driver ($1,686 per year) and a 20-year-old driver ($3,746 per year) is $2,060, or a savings of 55%.
  • 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 $500 per year.
  • Safer drivers pay lower rates. Causing frequent accidents will increase insurance cost, potentially by an additional $872 per year for a 30-year-old driver and even $600 per year for a 60-year-old driver.