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
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: Ram 2500 maintenance averages $1,175 annually, the second-lowest cost among six Ram models.
- Vehicle Trim, Features and Accessories: Higher-performance trims cost more to insure. The Ram 2500's horsepower ranges from 370 to 410, depending on engine choice, and greater output typically pushes premiums up.
- Driver Profile: Most Ram 2500 owners are between 35 and 45, an age group that pays lower rates than younger drivers. The truck's performance reputation also attracts risk-taking behavior, which insurers factor into pricing. Read more about Ram 2500 costs 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. Full coverage on high-performance Mega Cab Laramie Longhorn Limited Edition variants runs up to $599 per month, while minimum coverage on a basic Regular Cab ST model starts at $75 per month. Performance features and market value determine where your trim falls in that 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
Figure out how much coverage to buy for your Ram 2500. Own your truck outright? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want more 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 and gap insurance.
- 2Research costs and affordable companies
Check average auto insurance costs for pickup trucks to know what you should pay. Use that number to shop the cheapest car insurance companies for competitive rates. Knowing what others pay helps you spot real savings when comparing quotes.
- 3Look for more than just low rates
Car insurance price alone won't tell you whether an insurer is reliable. Check J.D. Power satisfaction ratings, read forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget insurers may offer fewer coverage options or slower service when you need help most.
- 4Find discounts you qualify for
Check 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 discounts for safety features like electronic stability control. Commercial drivers in Houston's energy sector may also qualify for professional association discounts.
- 5Consider alternative car insurance types
Usage-based insurance programs like Progressive Snapshot and Allstate Drivewise track safe driving habits and reduce premiums. 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 each year. Your insurer won't notify you when competitors lower prices, so yearly comparisons can save up to 24% on your Ram 2500 insurance. Rates shift as insurers adjust for claims data, so shopping regularly keeps your premium in check.
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?
The truck's size and weight raise accident severity risk, and its work-truck classification often means higher annual mileage. Your driving record, credit score and the coverage you choose also affect your final rate.
How can I lower Ram 2500 insurance costs?
Compare quotes from several insurers since Ram 2500 pricing varies by company. Look into usage-based programs that track your driving habits, claim available discounts and bundle policies with the same carrier. Keeping a clean driving record also helps you get 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 give you the most accurate Ram 2500 insurance costs available.
Who We Based These Rates On
These Ram 2500 rates reflect what an average driver pays:
- 40-year-old unmarried male
- No tickets or crashes on record
- Good credit score
- No prior insurance claims
- About 12,000 miles driven per year
- Valid driver's license with no suspensions
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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.