Full coverage car insurance costs for a Ram 2500 range from $1,219 with State Farm to $6,569 for young drivers. Rates vary based on the model year, age, address, driving history, coverage level and insurer. MoneyGeek breaks down Ram 2500 insurance costs and provides insights into the best companies and affordable insurers.
Ram 2500 Insurance Cost
Updated: April 11, 2025
Key Takeaways
State Farm offers the most affordable annual minimum coverage rates across all Ram 2500 model years, starting at $539.
For a Ram 2500, the average annual cost for minimum coverage is $655, while full coverage averages $1,492.
MoneyGeek analyzed data and 2,988 quotes for the Ram 2500 from Quadrant Information Services to ensure a thorough and reliable assessment of insurance costs.
Ram 2500 Insurance Rates
What Is the Average Ram 2500 Car Insurance Cost?
The average insurance cost for a Ram 2500 is $124 monthly or $1,492 yearly for full coverage, based on a 40-year-old male with a clean driving record. Minimum coverage costs roughly $55 per month or $655 per year.
| Minimum Coverage | $655 |
| Full Coverage | $1,492 |
Ram 2500 Insurance Costs by Company
Ram 2500 insurance costs range from $1,174 to $2,292 annually, influenced by age, model year and coverage level. The table below compares average Ram 2500 insurance rates with the averages for all vehicles from several national and mid-size providers.
| Allstate | $1,765 | $1,810 | -2% |
| Auto-Owners | $1,174 | $1,226 | -4% |
| Farmers | $1,807 | $1,955 | -8% |
| GEICO | $1,295 | $1,332 | -3% |
| Kemper | $2,292 | $2,209 | 4% |
| Nationwide | $1,570 | $1,587 | -1% |
| Progressive | $2,022 | $1,739 | 16% |
| State Farm | $1,257 | $1,268 | -1% |
| Travelers | $1,225 | $1,523 | -20% |
| USAA | $1,277 | $1,198 | 7% |
Read more: Best Car Insurance Companies
Cost of Insuring a Ram 2500 by Model Year
The year your Ram 2500 was produced affects your insurance rates, with older models typically costing less. For example, full coverage for a 2013 model costs around $1,394 annually, while insuring a 2022 model costs about $1,622. Below are the average full and minimum coverage rates for each production year.
| 2022 | $655 | $1,622 |
| 2021 | $657 | $1,575 |
| 2020 | $638 | $1,552 |
| 2019 | $669 | $1,536 |
| 2018 | $674 | $1,512 |
| 2017 | $653 | $1,494 |
| 2016 | $683 | $1,475 |
| 2015 | $685 | $1,456 |
| 2014 | $678 | $1,423 |
| 2013 | $675 | $1,394 |
Ram 2500 Insurance Costs by Driver Age
Insurance rates for the Ram 2500 vary greatly based on the driver's age. For example, 40-year-olds pay around $1,504 annually for full coverage, while 16-year-olds face a hefty $6,569. Below are the average full and minimum coverage rates for different ages.
| 16 | $3,087 | $6,569 |
| 17 | $2,514 | $5,370 |
| 18 | $2,191 | $4,720 |
| 19 | $1,557 | $3,349 |
| 20 | $1,397 | $3,044 |
| 21 | $1,105 | $2,452 |
| 22 | $1,007 | $2,255 |
| 23 | $932 | $2,103 |
| 24 | $883 | $1,999 |
| 25 | $784 | $1,790 |
| 26 | $762 | $1,729 |
| 27 | $743 | $1,691 |
| 28 | $731 | $1,664 |
| 29 | $720 | $1,642 |
| 30 | $695 | $1,583 |
| 35 | $675 | $1,533 |
| 40 | $667 | $1,504 |
| 45 | $661 | $1,484 |
| 50 | $644 | $1,438 |
| 55 | $628 | $1,401 |
| 60 | $628 | $1,397 |
| 65 | $669 | $1,446 |
| 70 | $728 | $1,547 |
| 75 | $811 | $1,697 |
| 80 | $919 | $1,886 |
| 85 | $993 | $2,021 |
| 90 | $1,048 | $2,115 |
Ram 2500 Insurance Rates Explained
Car insurance rates depend on driver profiles and vehicle-specific factors. Below is a breakdown of how your vehicle’s make, model, age, safety features and theft rates influence your premiums.
Ram 2500 Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Ram 2500
Average Full Coverage Rate
$1,492Premiums for Ram 2500 are:$196 more
This is 15% more expensive.
Value
The Ram 2500, a heavy-duty pickup truck with an MSRP of $79,515, may have higher insurance costs due to its high value.
Repair costs
The Ram 2500’s annual repair cost of $1,070 exceeds the national average, potentially increasing insurance premiums due to higher repair expenses.
Performance
With 370 to 410 horsepower and a 0-to-60 time of 7.5 to 8.2 seconds, the Ram 2500’s performance could raise insurance costs due to perceived risks.
Vehicle age
Newer Ram 2500s are typically more expensive to insure than older ones. Collector and classic vehicles can be exceptions.
Safety features
Safety features like stability control, airbags and antilock brakes on the Ram 2500 may qualify it for insurance discounts by reducing accident risks.
Vehicle size
Larger vehicles like the Ram 2500, with its 8,977-lb curb weight, may have higher insurance costs due to increased property damage potential.
Trim level
Higher trim levels of the Ram 2500 come with premium upgrades and a higher MSRP, leading to increased insurance costs compared to the base model.
Theft rates
The Ram 2500's higher theft risk can result in increased insurance rates.
Anti-theft features
The Ram 2500’s anti-theft features may help lower insurance premiums.
Cheapest Ram 2500 Insurance
State Farm offers the lowest Ram 2500 insurance rate at $539 per year for minimum coverage, based on a 40-year-old male driver with a clean record. Below is a breakdown of the most affordable auto insurance across coverage levels, age groups, driving records, model years and more.
Cheapest Ram 2500 Insurance by Coverage Level
The coverage level you choose significantly impacts your Ram 2500 insurance rate. State Farm provides the lowest average minimum and full coverage rates. Below is a breakdown of the cheapest providers for both types.
Cheapest Ram 2500 Minimum Coverage
State Farm offers the cheapest minimum coverage for Ram 2500 at $45 monthly. GEICO, Travelers and Allstate follow at $46, $51 and $58, respectively.
| USAA | $39 | $463 |
| State Farm | $45 | $539 |
| GEICO | $46 | $548 |
| Travelers | $51 | $608 |
| Allstate | $58 | $696 |
| Farmers | $61 | $737 |
| Nationwide | $64 | $763 |
| Progressive | $68 | $813 |
*State Farm offers non-military-affiliated Ram 2500 owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Ram 2500 Insurance Rates by Model Year
Since the list above doesn't consider your vehicle's production year, you might find lower insurance rates for older Ram 2500 models. To find the cheapest minimum coverage rates, filter the table below by production year.
Data filtered by:Results filtered by:
Select
Model Year:2013
| Allstate | $716 | $60 |
| Farmers | $754 | $63 |
| GEICO | $571 | $48 |
| Nationwide | $758 | $63 |
| Progressive | $842 | $70 |
| State Farm | $509 | $42 |
| Travelers | $633 | $53 |
| USAA | $457 | $38 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Ram 2500 Insurance
State Farm offers the cheapest full coverage for a Ram 2500 at $102 monthly or $1,219 annually. Explore the complete list of full coverage car insurance providers and rates below.
| State Farm | $102 | $1,219 |
| Travelers | $102 | $1,220 |
| USAA | $102 | $1,225 |
| GEICO | $105 | $1,259 |
| Nationwide | $123 | $1,481 |
| Farmers | $140 | $1,679 |
| Allstate | $140 | $1,682 |
| Progressive | $160 | $1,921 |
Cheapest Ram 2500 Insurance by Age
Younger drivers aged 16 to 25 and seniors 55+ often pay more for Ram 2500 insurance. Below is a breakdown of the cheapest options by age.
Cheapest Ram 2500 Insurance for Young Drivers
State Farm offers the cheapest Ram 2500 insurance rates for drivers aged 16 to 25, averaging $99 monthly or $1,189 annually. Below is the complete list of affordable car insurance options for young adults with a Ram 2500.
| USAA | $81 | $968 |
| State Farm | $99 | $1,189 |
| Travelers | $107 | $1,285 |
| GEICO | $111 | $1,334 |
| Allstate | $136 | $1,632 |
| Farmers | $168 | $2,021 |
| Nationwide | $171 | $2,048 |
| Progressive | $193 | $2,310 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Ram 2500 Insurance for Seniors
State Farm offers the cheapest car insurance for seniors 55 and up at $49 monthly or $594 annually. Check the full list of affordable Ram 2500 insurers below.
| State Farm | $49 | $594 |
| USAA | $51 | $617 |
| GEICO | $55 | $660 |
| Travelers | $61 | $735 |
| Allstate | $71 | $854 |
| Nationwide | $75 | $897 |
| Farmers | $83 | $998 |
| Progressive | $87 | $1,045 |
Cheapest Ram 2500 Insurance After an Accident
For a Ram 2500, State Farm, GEICO and Travelers offer the most affordable car insurance after an accident. Check the complete list below for more options.
| State Farm | $56 | $676 |
| USAA | $59 | $707 |
| GEICO | $73 | $870 |
| Travelers | $73 | $878 |
| Allstate | $80 | $958 |
| Nationwide | $100 | $1,194 |
| Progressive | $115 | $1,376 |
| Farmers | $123 | $1,473 |
Ram 2500 Insurance Cost: Bottom Line
Regularly compare rates from different providers to find the cheapest car insurance. This article explores Ram 2500 insurance costs across demographics and identifies affordable options.
Ram 2500 Insurance Rates: FAQ
Below are answers to common questions about Ram 2500 insurance costs to help you understand how to find affordable coverage.
What company has the cheapest car insurance for a Ram 2500?
State Farm offers the cheapest insurance for a Ram 2500, with an annual minimum coverage rate of $539.
What is the average cost of car insurance for a Ram 2500?
The average annual insurance cost for a Ram 2500 is $655 for minimum coverage and $1,492 for full coverage.
Ram 2500 Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 2,988 Ram 2500 insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Ram 2500:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Ram 2500 insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Ram 2500.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis includes average full coverage policy rates with comprehensive and collision coverage (with a $1,000 deductible) and increased liability limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.