Compare the Cost of Ram 2500 Insurance by Model Year and Company

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Updated: May 20, 2024

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Your age will affect the cost of your Ram 2500 car insurance. For a 40-year-old driver, the average annual premiums for a 2013 and 2022 Ram 2500 are $1,381 and $1,616, respectively. However, a 16-year-old driver can expect to pay about $6,421 annually for a 2013 model and $7,385 annually for a 2022 model.

To find the best car insurance for a Ram 2500, MoneyGeek ranked different companies based on their cost, customer satisfaction, coverages and claims experience.

MoneyGeek Logo IconCar Insurance CostsRam 2500

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Ram 2500.

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These rates were updated to reflect the average cost of car insurance for a Ram 2500 as of 2023.

10Companies Compared
29,880Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Ram 2500

The average cost to insure a Ram 2500 is $1,524 per year, but your rates may vary depending on your insurer. The cheapest car insurance for this vehicle is from Travelers for a full coverage policy ($1,199 per year) and State Farm for a minimum coverage policy ($539 per year). The most expensive company is Progressive, which costs $1,936 per year for a full coverage policy and $837 per year for a minimum coverage policy.

Data filtered by:Results filtered by:
Coverage:Full Coverage
TravelersAverage Annual Premium$1,199
State FarmAverage Annual Premium$1,216
GEICOAverage Annual Premium$1,269
NationwideAverage Annual Premium$1,480
AllstateAverage Annual Premium$1,678
FarmersAverage Annual Premium$1,705
ProgressiveAverage Annual Premium$1,936

Is a Ram 2500 Expensive to Insure?

Insurers consider several factors to determine car insurance rates for a given Ram 2500. This vehicle type is moderate to insure, on average, which means it’s neither cheap nor expensive. One of the main reasons it's not cheap to insure is its relatively high horsepower. Cars with higher horsepower tend to be more expensive to insure because they're more likely to get into an accident. Other factors, such as your car's model year and your age, can also influence your premiums, so it's important to compare quotes and explore your options to find a policy that best fits your budget.

Best Companies for Insuring a Ram 2500

Although cost is a significant factor when selecting car insurance, the best car insurance companies also provide exceptional service and claims handling. MoneyGeek found that the best companies for Ram 2500 car insurance are:

  • Travelers: MoneyGeek score 91 out of 100 ($1,199 per year)
  • State Farm: MoneyGeek score 90 out of 100 ($1,216 per year)

Travelers received high scores for affordability and coverage offerings, meaning you can get most essential coverages from this insurer at a reasonable price.

MoneyGeek Top Pick: Travelers




Has the cheapest rates for a Ram 2500


Earned high coverage and customer satisfaction scores


Offers several useful coverages, including gap insurance and accident forgiveness



Has a slightly below average claims management score


Travelers is our pick for the best provider of Ram 2500 insurance, providing a wide range of coverages and the cheapest rates in our study. Travelers policyholders have the option of purchasing the company's Responsible Driver Plan or Premier Responsible Driver Plan. The former includes accident forgiveness and minor violation forgiveness, which prevent your rates from increasing following a minor traffic violation and/or an accident.

The Premier Responsible Driver Plan includes both of these coverages in addition to its Decreasing Deductible and Total Loss Deductible Waiver coverages. With Decreasing Deductible, you can earn credits to be used toward your deductible for every policy period (either six or 12 months) that you remain violation free. Meanwhile, the Total Loss Deductible Waiver feature means you won't have to pay a deductible if your car is totaled.

You can also add gap insurance to your Travelers policy if your car is leased or financed. This coverage covers the difference between the actual cash value of your vehicle and the outstanding balance of your loan or lease if your Ram 2500 is deemed a total loss.

Read MoneyGeek's Travelers Auto Insurance Review

MoneyGeek Runner-Up: State Farm

State Farm



Has affordable car insurance for Ram 2500


Earned a high customer satisfaction score



Offers few add-on coverages


Has a low claims management rating


State Farm is also a great option for Ram 2500 insurance, offering affordable rates and high-quality customer service. The company has limited add-on coverage offerings, but it does offer two essential coverages that Ram 2500 drivers should consider.

State Farm offers rental car reimbursement coverage, which can pay for the cost of a car rental up to the chosen limits if your Ram 2500 needs repairs following a covered incident. The coverage takes effect immediately if your car is not legal or deemed unsafe to drive. If your vehicle simply needs some repairs, this coverage takes effect when the repairs start.

State Farm also has a 24-hour emergency roadside service that includes fuel delivery, towing, locksmith services, tire changes and other roadside assistance that your Ram 2500 might need. This feature could be particularly useful for drivers with older Ram 2500 models that might be more prone to roadside emergencies.

Read MoneyGeek's State Farm Auto Insurance Review

Cost of Insuring a Ram 2500 by Model Year

The average cost of car insurance for a 2013 Ram 2500 is $1,381 per year, while it costs $1,616 per year to insure a 2022 Ram 2500. Newer cars tend to be more expensive to insure because they have a higher value than older cars.

Data filtered by:Results filtered by:
Coverage:Full Coverage
2022Average Annual Premium$1,616
2021Average Annual Premium$1,564
2020Average Annual Premium$1,513
2019Average Annual Premium$1,517
2018Average Annual Premium$1,496
2017Average Annual Premium$1,455
2016Average Annual Premium$1,470
2015Average Annual Premium$1,460
2014Average Annual Premium$1,427
2013Average Annual Premium$1,381

The average cost of car insurance for a Ram 2500 depends on the model year and the insurance company. State Farm is the cheapest option for a 2013 model at $1,089 per year, while Travelers is the least expensive company for a 2022 model at $1,243 per year.

Data filtered by:Results filtered by:
Model Year:
Model Year:2022
Coverage:Full Coverage
TravelersAverage Annual Premium$1,243
State FarmAverage Annual Premium$1,310
GEICOAverage Annual Premium$1,367
NationwideAverage Annual Premium$1,425
FarmersAverage Annual Premium$1,952
AllstateAverage Annual Premium$1,989
ProgressiveAverage Annual Premium$2,063

Cost of Insuring a Ram 2500 for 16- to 25-Year-Olds

Car insurance rates tend to be higher for teenagers and those in their twenties. For instance, the average annual cost of insuring a Ram 2500 for 16-year-olds is $6,871, while 40-year-olds only pay around $1,490 per year on average. Car insurance for teens becomes significantly more affordable as they age and starts to level off during their 20s.

Data filtered by:Results filtered by:
Coverage:Full Coverage
16Average Annual Premium$6,871
17Average Annual Premium$5,612
18Average Annual Premium$4,929
19Average Annual Premium$3,413
20Average Annual Premium$3,089
21Average Annual Premium$2,378
22Average Annual Premium$2,197
23Average Annual Premium$2,039
24Average Annual Premium$1,934
25Average Annual Premium$1,744

The best way to get the cheapest rates for teen car insurance is to add them on a family plan, as individual coverage for a teen driver is much more expensive. It's also important to keep in mind that in most cases, teens under 18 cannot legally purchase an individual policy without a parent or guardian agreeing to cosign.

Individual car insurance for a 16-year-old driving a 2022 Ram 2500 can cost up to $11,100 per year if you have a policy from Progressive. The cheapest option is from State Farm, with an average premium of $4,221 per year. We suggest exploring multiple options and comparing rates from different insurance providers to find the most affordable car insurance for teenagers.

Data filtered by:Results filtered by:
Model Year:
Model Year:2022
Coverage:Full Coverage
State FarmAverage Annual Premium$4,221
TravelersAverage Annual Premium$4,957
NationwideAverage Annual Premium$5,742
GEICOAverage Annual Premium$6,493
AllstateAverage Annual Premium$9,149
FarmersAverage Annual Premium$9,859
ProgressiveAverage Annual Premium$11,100

How Does Location Affect the Cost of Ram 2500 Insurance?

The cost of car insurance depends on many factors, including the model year of your car and your age. Your location is also a significant determining factor in the cost of insurance as the cheapest companies for a given car vary by state. In general, New York has the highest average premiums and Idaho has the lowest. It's a good idea to get quotes from the cheapest insurers in your state to find the best rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Full Coverage
AlabamaCheapest CompanyNationwideAnnual Premium$709Monthly Premium$59
AlaskaCheapest CompanyState FarmAnnual Premium$699Monthly Premium$58
ArizonaCheapest CompanyRoot Insurance CompanyAnnual Premium$682Monthly Premium$57
ArkansasCheapest CompanyState FarmAnnual Premium$629Monthly Premium$52
CaliforniaCheapest CompanyAAA CaliforniaAnnual Premium$1,001Monthly Premium$83
ColoradoCheapest CompanyAmerican National P&CAnnual Premium$541Monthly Premium$45
ConnecticutCheapest CompanyGEICOAnnual Premium$693Monthly Premium$58
DelawareCheapest CompanyState FarmAnnual Premium$881Monthly Premium$73

Frequently Asked Questions About Ram 2500 Insurance

Shopping for car insurance may leave you with a lot of questions about cost and quality. MoneyGeek answered some of the most frequently asked questions to help you find the best car insurance for your needs.

What company has the cheapest car insurance for a Ram 2500?
What company offers the best car insurance for a Ram 2500?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.