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Ram 2500 Insurance Cost

The Ram 2500 is a heavy-duty truck with an average insurance cost of $1,980/yr. It carries a 4/5 NHTSA safety rating and medium theft risk. See how costs break down by year below.

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$1,980/yr

Avg. Annual Insurance

4/5 NHTSA

Safety Rating

Medium

Theft Risk

Heavy-Duty Truck

Body Type

About Ram 2500 Insurance

The Ram 2500 is a popular heavy-duty truck that averages $1,980/yr in annual insurance premiums. This places it above the national average of approximately $1,770 per year.

With a 4/5 NHTSA safety rating, the 2500 is considered a safe vehicle by insurers. Strong safety ratings can qualify you for discounts with many carriers. The medium theft risk also has a moderate impact on comprehensive coverage costs.

Insurance costs vary by model year — newer 2500s (2026-2025) cost about 5-10% more due to higher replacement values, while older models (2020-2021) can be 10-15% cheaper as they depreciate.

Frequently Asked Questions

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