Buy Cheap Dodge Ram 2500 Auto Insurance in 2024
If you want to buy inexpensive Dodge Ram 2500 insurance coverage then you should know that a policy will cost $111 per month ($1,328 per year) on average. You can find cheap Dodge Ram 2500 insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $780 a year.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
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UPDATED: Jun 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,328 a year or $111 each month
- A liability-only policy costs around $533 a year or $44 each month
- Highest rates are for teenage drivers at around $4,854 a year or $405 each month
- Good drivers can save as much as $548 a year by earning policy discounts
- Dodge Ram 2500 insurance costs around $191 less per year than the average vehicle
Do you need help finding cheap Dodge Ram 2500 insurance rates? Dodge Ram 2500 insurance costs around $191 less per year than the average vehicle. Find out what you can do to save on Dodge Ram 2500 insurance rates in our comprehensive guide.
You can start comparing quotes for Dodge Ram 2500 car insurance rates from some of the best car insurance companies by using our free online tool now.
Dodge Ram 2500 Insurance Cost
The average Dodge Ram 2500 auto insurance costs are $1,328 a year or $111 a month.
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Are Dodge Ram 2500s Expensive to Insure?
The chart below details how Dodge Ram 2500 insurance rates compare to other trucks like the Ford F-150, Toyota Tacoma, and Nissan Frontier.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford F-150 | $322 | $470 | $372 | $1,322 |
| Toyota Tacoma | $294 | $482 | $390 | $1,324 |
| Nissan Frontier | $294 | $500 | $420 | $1,394 |
| Chevrolet Silverado | $322 | $562 | $420 | $1,484 |
| GMC Sierra | $336 | $594 | $372 | $1,460 |
| Dodge Ram | $362 | $562 | $420 | $1,524 |
However, there are a few things you can do to find the cheapest Dodge insurance rates online.
What Impacts the Cost of Dodge Ram 2500 Insurance?
The Dodge Ram 2500 trim and model you choose can impact the total price you will pay for Dodge Ram 2500 insurance coverage.
Age of the Vehicle
Older Dodge Ram 2500 models generally cost less to insure. For example, auto insurance for a 2010 Dodge Ram 2500 costs $1,328.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2010 Dodge Ram 2500 | $242 | $382 | $524 | $1,328 |
Driver Age
Driver age can have a significant effect on Dodge Ram 2500 car insurance rates. For example, 20-year-old drivers pay $1,625 more for their Dodge Ram 2500 car insurance each year than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Dodge Ram 2500 insurance rates. For example, drivers in Los Angeles may pay $190 a year more than drivers in Houston.
Your Driving Record
Your driving record can have an impact on your Dodge Ram 2500 auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Dodge Ram 2500 car insurance with violations on their driving record.
Dodge Ram 2500 Safety Ratings
Your Dodge Ram 2500 auto insurance rates are tied to the Dodge Ram 2500’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | N/R |
|---|---|
| Small overlap front: passenger-side | N/R |
| Moderate overlap front | N/R |
| Side | N/R |
| Roof strength | N/R |
| Head restraints and seats | N/R |
| Source: Insurance Institute for Highway Safety | |
Dodge Ram 2500 Crash Test Ratings
Good Dodge Ram 2500 crash test ratings mean the VW is safer, which could mean cheaper Dodge Ram 2500 car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| Dodge Ram 2500 | N/R | N/R | N/R | N/R |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Dodge Ram 2500 Safety Features
The Dodge Ram 2500 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Dodge Ram 2500 auto insurance rates. The Dodge Ram 2500’s safety features include:
- Adaptive Forward Lighting System
- Forward Collision Warning with Active Braking
- Available Adaptive Cruise Control with Stop
- Lane Departure Warning
- Blind Spot Monitoring with Rear Cross Path Detection
- Parksense® Front and Rear Park Assist
Dodge Ram 2500 Finance and Insurance Cost
If you are financing a Dodge Ram 2500, you will pay more if you purchase Dodge Ram 2500 car insurance at the dealership, so be sure to shop around and compare Dodge Ram 2500 car insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Dodge Ram 2500 Insurance
You have more options at your disposal to save money on your Dodge Ram 2500 car insurance costs. For example, try these five tips:
- Ask Your Insurance Company About Dodge Ram 2500 Discounts
- Ask for a Higher Deductible for Your Dodge Ram 2500 Insurance Policy
- Tell Your Insurer About Different Drivers or Uses for Your Dodge Ram 2500
- Carpool to Work Instead of Driving Your Dodge Ram 2500
- Buy Winter Tires for Your Dodge Ram 2500
Top Dodge Ram 2500 Insurance Companies
Who is the top car insurance company for Dodge Ram 2500 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Dodge Ram 2500 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Dodge Ram 2500 offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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Frequently Asked Questions
What factors can affect the cost of auto insurance for a Dodge Ram 2500?
Several factors can influence the cost of auto insurance for a Dodge Ram 2500. These factors include your driving record, age, location, credit score, the model and year of your Dodge Ram 2500, the coverage options you choose, and the deductible amount. Insurance providers also consider the vehicle’s safety features, repair costs, and theft rates when determining the premium.
Are there any specific discounts available for Dodge Ram 2500 auto insurance?
Yes, there are various discounts that may be available for Dodge Ram 2500 auto insurance. Common discounts include safe driver discounts, multi-policy discounts for bundling your auto insurance with other policies, good student discounts, and discounts for vehicles equipped with safety features like anti-lock brakes, airbags, and anti-theft systems. Check with your insurance provider to learn about the specific discounts you may qualify for.
What are the recommended coverage options for insuring a Dodge Ram 2500?
The recommended coverage options for insuring a Dodge Ram 2500 typically include liability coverage, which is required by law and covers injuries or damages you cause to others in an accident. Comprehensive and collision coverage can help protect your vehicle against theft, vandalism, accidents, and other non-collision incidents. Uninsured/underinsured motorist coverage is also advisable to protect yourself if you’re involved in an accident with an uninsured or underinsured driver.
How can I find cheap auto insurance for my Dodge Ram 2500?
To find cheap auto insurance for your Dodge Ram 2500, consider the following tips:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a good driving record by avoiding accidents and traffic violations.
- Inquire about available discounts and take advantage of those you qualify for.
- Adjust your coverage options and deductibles based on your specific needs and budget.
- Consider installing additional safety features in your vehicle to potentially lower your premium.
Are there any specific considerations for insuring a heavy-duty truck like the Dodge Ram 2500?
Insuring a heavy-duty truck like the Dodge Ram 2500 may come with additional considerations. These trucks often have higher repair costs and may be used for commercial or work purposes, which can impact insurance rates. Insurance providers may take these factors into account when determining premiums. It’s important to discuss your vehicle’s specifications, usage, and intended purpose with your insurance provider to ensure you have appropriate coverage.
Are there any specific considerations for insuring a modified or lifted Dodge Ram 2500?
Insuring a modified or lifted Dodge Ram 2500 may require special attention. Modifications like lift kits, oversized tires, or aftermarket accessories can impact the vehicle’s safety and performance. Some insurance providers may have specific guidelines or restrictions for modified vehicles. It’s important to inform your insurance provider about any modifications to ensure you have appropriate coverage.
Can I get specialized insurance coverage for commercial use of my Dodge Ram 2500?
If you use your Dodge Ram 2500 for commercial purposes, such as hauling or towing, you may need specialized commercial auto insurance. Commercial auto insurance provides coverage for vehicles used primarily for business. It typically includes higher liability limits and coverage for tools and equipment. Contact your insurance provider to discuss your commercial vehicle needs and explore the available coverage options.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.