Ram 2500 insurance costs vary by model year, with monthly premiums averaging $279 for full coverage on 2025 models, down to $75 for minimum coverage on older trucks. High-performance trims can reach $599 monthly.
Ram 2500 Insurance Cost
Updated: February 3, 2026
Key Takeaways
GEICO offers the most affordable Ram 2500 insurance on average, though full coverage costs vary widely by model year and company, at around $329 monthly. Read more
Pickup trucks face higher premiums due to increased repair costs, theft rates, and work usage, with the Ram 2500 ranking 40th out of 40 pickup trucks for insurance affordability nationwide. Read more
Your Ram 2500's specific model year makes a big difference in insurance rates, especially if you're adding a teen driver to your policy for more precise quotes. Read MoneyGeek's analysis of rates by company for specific 2500 model years, depending on the age of the drivers
How Much Is Ram 2500 Insurance?
Insurance rates depend on model year and insurer. Ram 2500 minimum coverage costs range from $121 monthly with GEICO to $276 with UAIC, while full coverage costs range from $262 with GEICO to $586 with AIG.
Rate variations exceeding $155 for minimum coverage and $324 for full coverage demonstrate why Ram 2500 owners need to shop around. Companies calculate risk differently for each model, affecting your final quote.
| AAA | $180 | $372 |
| AIG | $235 | $586 |
| Allstate | $213 | $411 |
| Amica | $189 | $386 |
| Chubb | $233 | $459 |
| Farmers | $227 | $401 |
| Geico | $121 | $262 |
| Kemper | $198 | $400 |
| Nationwide | $191 | $330 |
| Progressive | $186 | $348 |
| State Farm | $163 | $340 |
| The Hartford | $174 | $297 |
| Travelers | $145 | $267 |
| UAIC | $276 | $347 |
Is Ram 2500 Expensive to Insure?
MoneyGeek's analysis of pickup truck insurance costs shows the Ram 2500 ranking 40th of the 40 trucks in our database. It's a few dollars more expensive per month than a Rivian R1T, making it the priciest pickup to insure. When you're comparing similar vehicles, the Ram 2500 consistently comes out as the least affordable option in its category.
Pickup trucks are expensive to insure overall, and the Ram 2500's 761st place out of 827 total vehicles puts it in the bottom 10% for affordability. The cheapest pickup to insure is the Suzuki SX4, while the Ram 2500 claims the most expensive spot in the category.
| Ford F-450 | $196 | 37 |
| GMC Hummer EV | $199 | 38 |
| Rivian R1T | $201 | 39 |
| Ram 2500 | $250 | 40 |
Several factors affect what you'll pay for Ram 2500 insurance:
- Average Repair or Replacement Costs: The Ram 2500's maintenance expenses average $1,175 annually, making it the second most affordable Ram model to maintain out of six available options.
- Vehicle Trim, Features and Accessories: Higher-performance trims cost more to insure due to the Ram 2500's powerful capabilities. With horsepower ranging from 370 to 410, depending on engine choice, increased performance directly translates to higher premiums.
- Driver Profile:Â Most Ram 2500 owners fall between the ages of 35 and 45, which results in lower insurance rates than younger drivers pay. The truck's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Ram 2500s for young drivers.
Ram 2500 Insurance Cost by State
Ram 2500 insurance costs range from $62 monthly in Wyoming to $329 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not anything specific about the truck itself.
| Alabama | $138 | $260 |
| Alaska | $123 | $259 |
| Arizona | $199 | $372 |
| Arkansas | $139 | $312 |
| California | $163 | $330 |
| Colorado | $167 | $399 |
| Connecticut | $236 | $406 |
| Delaware | $230 | $387 |
| Florida | $212 | $493 |
| Georgia | $253 | $420 |
| Hawaii | $91 | $205 |
| Idaho | $92 | $187 |
| Illinois | $156 | $293 |
| Indiana | $110 | $216 |
| Iowa | $95 | $229 |
| Kansas | $123 | $288 |
| Kentucky | $205 | $351 |
| Louisiana | $329 | $717 |
| Maine | $85 | $175 |
| Maryland | $263 | $443 |
| Massachusetts | $169 | $356 |
| Michigan | $240 | $462 |
| Minnesota | $130 | $270 |
| Mississippi | $143 | $285 |
| Missouri | $192 | $386 |
| Montana | $120 | $285 |
| Nebraska | $117 | $269 |
| Nevada | $299 | $542 |
| New Hampshire | $115 | $203 |
| New Jersey | $275 | $453 |
| New Mexico | $142 | $318 |
| New York | $215 | $386 |
| North Carolina | $135 | $263 |
| North Dakota | $95 | $209 |
| Ohio | $130 | $251 |
| Oklahoma | $154 | $343 |
| Oregon | $202 | $354 |
| Pennsylvania | $141 | $335 |
| Rhode Island | $208 | $372 |
| South Carolina | $175 | $326 |
| South Dakota | $89 | $271 |
| Tennessee | $136 | $274 |
| Texas | $222 | $454 |
| Utah | $184 | $313 |
| Vermont | $73 | $175 |
| Virginia | $165 | $269 |
| Washington | $158 | $294 |
| West Virginia | $143 | $293 |
| Wisconsin | $110 | $243 |
| Wyoming | $62 | $194 |
Ram 2500 Costs by Model Year and Insurance Company
Model year impacts your Ram 2500 insurance costs, along with driver age on your policy. Full coverage on a 2025 Ram 2500 averages $279 monthly for a 40-year-old driver, while a 2016 model averages around $256 monthly. Newer trucks cost more to insure due to higher market values, though the difference narrows for heavy-duty pickups. Teen and young adult drivers pay higher premiums across all model years.
GEICO consistently offers the cheapest rates across all Ram 2500 model years.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Ram 2500
| Geico | $140 | $306 |
| National General | $240 | $491 |
| The Hartford | $244 | $416 |
| State Farm | $257 | $537 |
| Kemper | $258 | $513 |
| Travelers | $284 | $532 |
| AAA | $309 | $641 |
| Allstate | $313 | $617 |
| Progressive | $321 | $603 |
| Nationwide | $360 | $624 |
| Amica | $362 | $742 |
| UAIC | $375 | $475 |
| Farmers | $394 | $700 |
| AIG | $422 | $1,089 |
| Chubb | $443 | $885 |
Cost of Car Insurance for 2024 Ram 2500
| Geico | $131 | $287 |
| National General | $224 | $460 |
| The Hartford | $228 | $390 |
| State Farm | $241 | $503 |
| Kemper | $241 | $480 |
| Travelers | $266 | $498 |
| AAA | $289 | $600 |
| Allstate | $293 | $577 |
| Progressive | $300 | $564 |
| Nationwide | $337 | $584 |
| Amica | $338 | $695 |
| UAIC | $351 | $445 |
| Farmers | $369 | $655 |
| AIG | $395 | $1,019 |
| Chubb | $414 | $828 |
Cost of Car Insurance for 2023 Ram 2500
| Geico | $130 | $283 |
| National General | $222 | $454 |
| The Hartford | $226 | $385 |
| State Farm | $238 | $497 |
| Kemper | $238 | $475 |
| Travelers | $263 | $492 |
| AAA | $286 | $594 |
| Allstate | $289 | $571 |
| Progressive | $297 | $558 |
| Nationwide | $333 | $577 |
| Amica | $335 | $687 |
| UAIC | $347 | $440 |
| Farmers | $364 | $648 |
| AIG | $391 | $1,007 |
| Chubb | $410 | $818 |
Cost of Car Insurance for 2022 Ram 2500
| Geico | $109 | $239 |
| National General | $187 | $383 |
| The Hartford | $190 | $325 |
| State Farm | $201 | $419 |
| Kemper | $201 | $400 |
| Travelers | $221 | $415 |
| AAA | $241 | $500 |
| Allstate | $244 | $481 |
| Progressive | $250 | $470 |
| Nationwide | $281 | $486 |
| Amica | $282 | $579 |
| UAIC | $292 | $371 |
| Farmers | $307 | $546 |
| AIG | $330 | $849 |
| Chubb | $345 | $690 |
Cost of Car Insurance for 2021 Ram 2500
| Geico | $90 | $196 |
| National General | $154 | $315 |
| The Hartford | $157 | $267 |
| State Farm | $165 | $345 |
| Kemper | $165 | $329 |
| Travelers | $182 | $341 |
| AAA | $198 | $411 |
| Allstate | $201 | $396 |
| Progressive | $206 | $387 |
| Nationwide | $231 | $400 |
| Amica | $232 | $476 |
| UAIC | $240 | $305 |
| Farmers | $253 | $449 |
| AIG | $271 | $698 |
| Chubb | $284 | $567 |
Cost of Car Insurance for 2020 Ram 2500
| Geico | $73 | $160 |
| National General | $125 | $256 |
| The Hartford | $127 | $217 |
| State Farm | $134 | $280 |
| Kemper | $134 | $268 |
| Travelers | $148 | $277 |
| AAA | $161 | $335 |
| Allstate | $163 | $322 |
| Progressive | $167 | $315 |
| Nationwide | $188 | $325 |
| Amica | $189 | $387 |
| UAIC | $195 | $248 |
| Farmers | $205 | $365 |
| AIG | $220 | $568 |
| Chubb | $231 | $461 |
Cost of Car Insurance for 2019 Ram 2500
| Geico | $60 | $132 |
| National General | $103 | $212 |
| The Hartford | $105 | $179 |
| State Farm | $111 | $232 |
| Kemper | $111 | $221 |
| Travelers | $122 | $229 |
| AAA | $133 | $277 |
| Allstate | $135 | $266 |
| Progressive | $138 | $260 |
| Nationwide | $155 | $269 |
| Amica | $156 | $320 |
| UAIC | $162 | $205 |
| Farmers | $170 | $302 |
| AIG | $182 | $469 |
| Chubb | $191 | $381 |
Cost of Car Insurance for 2018 Ram 2500
| Geico | $61 | $133 |
| National General | $75 | $154 |
| Travelers | $85 | $157 |
| State Farm | $88 | $182 |
| Progressive | $95 | $179 |
| Kemper | $101 | $206 |
| Nationwide | $101 | $175 |
| The Hartford | $104 | $177 |
| AAA | $110 | $228 |
| Amica | $116 | $239 |
| Allstate | $122 | $235 |
| Chubb | $131 | $260 |
| AIG | $136 | $342 |
| UAIC | $139 | $174 |
| Farmers | $149 | $265 |
Cost of Car Insurance for 2017 Ram 2500
| Geico | $58 | $126 |
| National General | $72 | $148 |
| Travelers | $82 | $152 |
| State Farm | $85 | $177 |
| Progressive | $91 | $171 |
| Nationwide | $98 | $170 |
| Kemper | $99 | $201 |
| The Hartford | $102 | $173 |
| AAA | $104 | $216 |
| Amica | $112 | $229 |
| Allstate | $116 | $225 |
| Chubb | $128 | $255 |
| AIG | $132 | $333 |
| UAIC | $136 | $170 |
| Farmers | $140 | $248 |
Cost of Car Insurance for 2016 Ram 2500
| Geico | $118 | $256 |
| National General | $121 | $247 |
| State Farm | $170 | $353 |
| Kemper | $178 | $356 |
| Travelers | $180 | $331 |
| The Hartford | $184 | $313 |
| Amica | $187 | $383 |
| AAA | $188 | $389 |
| Allstate | $202 | $389 |
| Chubb | $210 | $412 |
| Progressive | $212 | $398 |
| AIG | $230 | $565 |
| Farmers | $247 | $437 |
| Nationwide | $260 | $448 |
| UAIC | $273 | $339 |
Ram 2500 Insurance Cost by Trim
Ram 2500 insurance costs vary by trim, with premiums reaching $599 monthly for full coverage on high-performance Mega Cab Laramie Longhorn Limited Edition variants compared to just $75 for minimum coverage on basic Regular Cab St models. Performance features and market value determine where your specific trim falls in this range.
| Regular Cab St Pickup 2d 8 Ft | $75 | $145 |
| Regular Cab Lone Star Pickup 2d 8 Ft | $80 | $156 |
| Regular Cab Big Horn Pickup 2d 8 Ft | $80 | $156 |
| Regular Cab Tradesman Pickup 2d 8 Ft | $95 | $185 |
| Regular Cab Tradesman | $101 | $198 |
| Crew Cab Tradesman | $108 | $210 |
| Regular Cab Big Horn | $109 | $212 |
| Regular Cab Lone Star | $110 | $215 |
| Regular Cab Outdoorsman Pickup 2d 8 Ft | $111 | $215 |
| Crew Cab Lone Star | $116 | $228 |
| Crew Cab Big Horn | $119 | $233 |
| Crew Cab Limited Pickup 4d 8 Ft | $123 | $240 |
| Crew Cab Limited Pickup 4d 6 1/3 Ft | $124 | $243 |
| Crew Cab Rebel Pickup 4d 6 1/3 Ft | $133 | $259 |
| Mega Cab Limited Pickup 4d 6 1/3 Ft | $134 | $261 |
| Crew Cab Laramie | $135 | $264 |
| Regular Cab Slt Pickup 2d 8 Ft | $136 | $263 |
| Crew Cab Tradesman Pickup 4d 8 Ft | $142 | $276 |
| Crew Cab Tradesman Pickup 4d 6 1/3 Ft | $142 | $277 |
| Crew Cab Powerwagon Pickup 4d 6 1/3 Ft | $144 | $280 |
| Crew Cab Rebel | $148 | $289 |
| Crew Cab Laramie Longhorn Pickup 4d 8 Ft | $149 | $290 |
| Crew Cab Power Wagon Pickup 4d 6 1/3 Ft | $149 | $290 |
| Crew Cab Power Wagon | $153 | $300 |
| Mega Cab Laramie | $158 | $308 |
| Mega Cab Laramie Longhorn Pickup 4d 6 1/3 Ft | $158 | $308 |
| Crew Cab Big Horn Pickup 4d 6 1/3 Ft | $158 | $308 |
| Crew Cab St Pickup 4d 6 1/3 Ft | $159 | $309 |
| Crew Cab Limited Longhorn | $160 | $313 |
| Crew Cab St Pickup 4d 8 Ft | $163 | $316 |
| Crew Cab Tradesman Power Wagon Pickup 4d 6 1/3 Ft | $165 | $320 |
| Crew Cab Big Horn Pickup 4d 8 Ft | $167 | $324 |
| Crew Cab Lone Star Pickup 4d 8 Ft | $167 | $325 |
| Crew Cab Lone Star Pickup 4d 6 1/3 Ft | $167 | $325 |
| Crew Cab Limited | $173 | $339 |
| Crew Cab Laramie Longhorn | $178 | $348 |
| Mega Cab Laramie Longhorn | $181 | $354 |
| Mega Cab Big Horn Pickup 4d 6 1/3 Ft | $182 | $353 |
| Mega Cab Lone Star Pickup 4d 6 1/3 Ft | $184 | $357 |
| Crew Cab Laramie Pickup 4d 6 1/3 Ft | $188 | $365 |
| Crew Cab Slt Pickup 4d 6 1/3 Ft | $189 | $367 |
| Crew Cab Laramie Pickup 4d 8 Ft | $191 | $371 |
| Mega Cab Limited | $193 | $377 |
| Mega Cab Limited Longhorn | $197 | $384 |
| Crew Cab Laramie Longhorn Pickup 4d 6 1/3 Ft | $197 | $382 |
| Crew Cab Slt Pickup 4d 8 Ft | $198 | $384 |
| Mega Cab Laramie Limited Pickup 4d 6 1/3 Ft | $203 | $395 |
| Mega Cab Laramie Pickup 4d 6 1/3 Ft | $205 | $397 |
| Crew Cab Laramie Power Wagon Pickup 4d 6 1/3 Ft | $212 | $410 |
| Mega Cab Slt Pickup 4d 6 1/3 Ft | $221 | $428 |
| Crew Cab Laramie Longhorn Edition Pickup 4d 6 1/3 Ft | $222 | $429 |
| Crew Cab Outdoorsman Pickup 4d 8 Ft | $227 | $441 |
| Crew Cab Outdoorsman Pickup 4d 6 1/3 Ft | $234 | $454 |
| Crew Cab Laramie Longhorn Edition Pickup 4d 8 Ft | $239 | $462 |
| Crew Cab Laramie Limited Pickup 4d 6 1/3 Ft | $240 | $465 |
| Crew Cab Laramie Limited Pickup 4d 8 Ft | $240 | $466 |
| Mega Cab Outdoorsman Pickup 4d 6 1/3 Ft | $256 | $496 |
| Crew Cab Laramie Longhorn Limited Edition Pickup 4d 6 1/3 Ft | $256 | $496 |
| Crew Cab Laramie Longhorn Limited Edition Pickup 4d 8 Ft | $260 | $504 |
| Mega Cab Laramie Longhorn Edition Pickup 4d 6 1/3 Ft | $269 | $521 |
| Mega Cab Laramie Longhorn Limited Edition Pickup 4d 6 1/3 Ft | $309 | $599 |
How to Lower the Cost of Ram 2500 Insurance
Here are the most effective ways to lower your Ram 2500 insurance costs:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Ram 2500. Own your truck? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and affordable companies
Learn what you should pay by researching average auto insurance costs for pickup trucks. This benchmark aids in shopping for the cheapest car insurance companies with competitive rates. Understanding typical costs helps you identify genuine savings when comparing quotes from different insurers.
- 3Look for more than just low rates
Selecting reliable car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget insurers might offer limited coverage options or slower customer service when you need assistance most.
- 4Find discounts you qualify for
Discover car insurance discounts that apply to your situation. Ram 2500 owners often get multi-vehicle savings, bundling discounts for combining policies, good driver rewards for clean records and safety features discounts for electronic stability control. Commercial drivers in Houston's energy sector frequently qualify for professional association discounts too.
- 5Consider alternative car insurance types
Ram 2500 owners could explore usage-based insurance programs like Progressive Snapshot or Allstate Drivewise that track safe driving habits and deliver premium reductions. These telematics options work well for contractors in Phoenix who use their trucks seasonally or business owners with predictable driving patterns.
- 6Check rates annually
Get car insurance quotes from several companies annually. Your insurer doesn't notify you when competitors lower prices, so yearly comparisons could save up to 24% on your Ram 2500 insurance. Market conditions change frequently, and insurers adjust rates based on claims data, making regular shopping essential for maintaining competitive premiums.
Ram 2500 Insurance Cost: Bottom Line
Ram 2500 insurance costs more than average, but you can still secure decent rates. Shopping multiple insurers, claiming available discounts and adjusting coverage options helps you find better pricing for your truck.
Ram 2500 Insurance Rates: FAQ
What is the average cost of car insurance for a Ram 2500?
Ram 2500 insurance costs average $2,035 annually for state minimum coverage and $3,953 for full coverage. This translates to monthly premiums of $170 for minimum and $329 for comprehensive protection.
What company has the cheapest car insurance for a Ram 2500?
GEICO provides the most affordable minimum coverage for a Ram 2500 at $1,453 annually. Full coverage seekers will also find GEICO offers the best rates at $3,146 per year.
Are Ram 2500s expensive to insure?
Yes, Ram 2500 insurance is expensive compared to other vehicles. Among pickup trucks specifically, it ranks as the most expensive model at 40th out of 40, while placing 761st out of 827 total vehicles for affordability.
What factors affect insurance costs for Ram 2500s?
Various elements affect Ram 2500 insurance premiums beyond your personal profile. The truck's size and weight increase accident severity risk, while its work-truck classification often means higher mileage usage. Your driving record and credit score, plus the coverage you select, impact your final rates.
How can I lower Ram 2500 insurance costs?
Compare quotes from several insurers since Ram 2500 pricing differs between companies, and explore usage-based programs that monitor your driving habits. Claim available discounts, bundle policies with the same carrier, and maintain a clean driving record to secure better rates.
How We Determined Ram 2500 Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Ram 2500 insurance costs.
Who We Based These Rates On
These Ram 2500 rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.