- Ram 2500 insurance costs an average of $2,422 per year or around $202 per month, depending on the trim level.
- Drivers can find the cheapest insurance on the Tradesman Regular Cab 2WD trim level at $2,102 per year.
- The Limited Mega Cab 4WD has the highest rates at $2,606 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 $2,422 a year, or around $202 if paid each month. Drivers can plan on paying about $240 more annually for insurance on the Ram three-quarter ton truck when compared to the average rate for all heavy duty trucks, and $539 more per year than the $1,883 national average.
The following chart breaks down average car insurance rates on a 2024 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 $2,102 per year, or about $175 per month. The second cheapest trim is the Tradesman Crew Cab 2WD at $2,172 per year, and the third cheapest model to insure is the Tradesman Regular Cab 4WD, also at $2,242 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 $2,606 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 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Tradesman Regular Cab 2WD | $2,102 | $175 |
| Tradesman Crew Cab 2WD | $2,172 | $181 |
| Tradesman Regular Cab 4WD | $2,242 | $187 |
| Tradesman Crew Cab 4WD | $2,298 | $192 |
| Big Horn Crew Cab 4WD | $2,368 | $197 |
| Laramie Crew Cab 2WD | $2,376 | $198 |
| Power Wagon Crew Cab 4WD | $2,482 | $207 |
| Rebel Crew Cab 4WD | $2,482 | $207 |
| Laramie Crew Cab 4WD | $2,488 | $207 |
| Laramie Mega Cab 4WD | $2,566 | $214 |
| Limited Longhorn Crew Cab 4WD | $2,578 | $215 |
| Limited Longhorn Mega Cab 4WD | $2,584 | $215 |
| Limited Crew Cab 4WD | $2,600 | $217 |
| Limited Mega Cab 4WD | $2,606 | $217 |
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 February 23, 2024
Is Ram 2500 insurance expensive?
When compared to the other heavy duty truck brands, insurance for a Ram 2500 pickup costs $336 more per year than the Chevrolet Silverado HD 2500, $392 more than the Chevrolet Silverado HD 3500, $142 more than the Ford F250 Super Duty, and $126 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 $2,422 per year, while the class median cost is $2,182, a difference of $240 per year.
The table below shows how insurance cost for a Ram 2500 compares to the other heavy duty truck competitors.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | GMC Sierra 2500 HD | $1,932 | -$490 |
| 2 | GMC Sierra 3500 | $2,010 | -$412 |
| 3 | Chevrolet Silverado HD 3500 | $2,030 | -$392 |
| 4 | Chevrolet Silverado HD 2500 | $2,086 | -$336 |
| 5 | Nissan Titan XD | $2,098 | -$324 |
| 6 | Ford F450 Super Duty | $2,268 | -$154 |
| 7 | Ford F250 Super Duty | $2,280 | -$142 |
| 8 | Ford F350 Super Duty | $2,296 | -$126 |
| 9 | Ram Truck 3500 | $2,402 | -$20 |
| 10 | Ram Truck 2500 | $2,422 | -- |
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 February 22, 2024
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 $1,062 per year. A 2018 model could save around $562, 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 $1,142 for a 60-year-old driver rated on a 2013 Ram 2500 to the most expensive yearly cost of $4,898 for a 20-year-old driving a 2024 model year.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Ram Truck 2500 | $4,898 | $2,422 | $2,014 |
| 2023 Ram Truck 2500 | $4,218 | $2,086 | $1,746 |
| 2022 Ram Truck 2500 | $4,324 | $2,136 | $1,790 |
| 2021 Ram Truck 2500 | $4,230 | $2,064 | $1,730 |
| 2020 Ram Truck 2500 | $4,120 | $2,008 | $1,686 |
| 2019 Ram Truck 2500 | $4,014 | $1,954 | $1,642 |
| 2018 Ram Truck 2500 | $3,816 | $1,860 | $1,566 |
| 2017 Ram Truck 2500 | $3,780 | $1,846 | $1,550 |
| 2016 Ram Truck 2500 | $3,292 | $1,618 | $1,356 |
| 2015 Ram Truck 2500 | $3,172 | $1,556 | $1,314 |
| 2014 Ram Truck 2500 | $3,092 | $1,520 | $1,282 |
| 2013 Ram Truck 2500 | $2,744 | $1,360 | $1,142 |
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 February 23, 2024
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 $744 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 $73 and $185 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 $358 per year for a 40-year-old driver and $704 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 $378 per year for a 40-year-old driver and $748 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 $3,028 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 $4,898 per year, while a 20-year-old woman pays an average of $3,516, a difference of $1,382 per year. Women get significantly cheaper rates. But by age 50, male driver rates are $2,154 and female rates are $2,094, a difference of only $60.
- Getting older means cheaper auto insurance rates. The difference in insurance cost between a 60-year-old driver ($2,014 per year) and a 20-year-old driver ($4,898 per year) is $2,884, or a savings of 83.4%.
- 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 $658 per year.
- Safer drivers pay lower rates. Causing frequent accidents will increase insurance cost, potentially by an additional $1,188 per year for a 30-year-old driver and even $624 per year for a 60-year-old driver.