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.
Quote My 2500$1,980/yr
Avg. Annual Insurance
4/5 NHTSA
Safety Rating
Medium
Theft Risk
Heavy-Duty Truck
Body Type
Insurance Cost by Year — Ram 2500
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
How much does Ram 2500 insurance cost?
The average insurance cost for a Ram 2500 is $1,980/yr. Actual rates vary based on your model year, driving record, location, and coverage levels. Newer model years cost 5-10% more while older years can be 5-15% cheaper.
Is the Ram 2500 expensive to insure?
Compared to the national average of about $1,770/yr, the Ram 2500 at $1,980/yr is above average in insurance cost. As a heavy-duty truck, it falls within the typical range for its class.
What is the Ram 2500's safety rating?
The Ram 2500 has a 4/5 NHTSA safety rating. Strong safety ratings can help lower your insurance premiums, as vehicles with better crash protection result in fewer and less severe injury claims.
Is the Ram 2500 a theft target?
The Ram 2500 has a medium theft risk rating. Moderate theft risk means comprehensive coverage is reasonably priced. Anti-theft devices may still qualify you for discounts.
How can I get cheap Ram 2500 insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), consider a higher deductible, maintain a clean driving record, bundle auto and home insurance, and ask about discounts for safety features, good student status, or low mileage.
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