Dodge Ram 3500 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 3, 2024
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The average insurance rates for a Dodge Ram 3500 are $1,300 a year with full coverage. Comprehensive insurance costs around $220 a year, collision insurance costs $288, and liability coverage is $592. Buying just liability costs around $652 a year, and insurance for high-risk drivers costs $2,790 or more. Teens cost the most to insure at up to $5,190 a year.
Average premium for full coverage: $1,300
Policy rates for type of insurance:
Rates are based on $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Ram 3500 trim levels.
Price Range Variability
For the average driver, Dodge Ram 3500 insurance rates range from as low as $652 for basic liability insurance to a high of $2,790 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates how location impacts auto insurance rates.
The examples above demonstrate why it is important to compare rates quotes for a specific zip code and risk profile, rather than using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below details average Dodge Ram 3500 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $788
- Raising to $1,000 deductibles will save about $1,184 annually
- The average rate for a good driver age 40 using $500 deductibles is $1,300
- Selecting low $100 deductibles will cost an extra $220 each year
- Unlucky drivers with serious driving violations could pay at least $2,790
- Policy cost for full coverage for a teenage driver can be $5,190
Insurance rates for a Dodge Ram 3500 also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $5,100 a year. View Rates by Age
Your home state also has a big influence on Dodge Ram 3500 insurance rates. A middle-age driver might find rates as low as $930 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,750 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,172 | -$128 | -9.8% |
| Alaska | $994 | -$306 | -23.5% |
| Arizona | $1,074 | -$226 | -17.4% |
| Arkansas | $1,300 | -$0 | 0.0% |
| California | $1,478 | $178 | 13.7% |
| Colorado | $1,238 | -$62 | -4.8% |
| Connecticut | $1,334 | $34 | 2.6% |
| Delaware | $1,468 | $168 | 12.9% |
| Florida | $1,622 | $322 | 24.8% |
| Georgia | $1,198 | -$102 | -7.8% |
| Hawaii | $930 | -$370 | -28.5% |
| Idaho | $880 | -$420 | -32.3% |
| Illinois | $966 | -$334 | -25.7% |
| Indiana | $978 | -$322 | -24.8% |
| Iowa | $878 | -$422 | -32.5% |
| Kansas | $1,232 | -$68 | -5.2% |
| Kentucky | $1,768 | $468 | 36.0% |
| Louisiana | $1,922 | $622 | 47.8% |
| Maine | $802 | -$498 | -38.3% |
| Maryland | $1,072 | -$228 | -17.5% |
| Massachusetts | $1,036 | -$264 | -20.3% |
| Michigan | $2,254 | $954 | 73.4% |
| Minnesota | $1,086 | -$214 | -16.5% |
| Mississippi | $1,554 | $254 | 19.5% |
| Missouri | $1,152 | -$148 | -11.4% |
| Montana | $1,396 | $96 | 7.4% |
| Nebraska | $1,022 | -$278 | -21.4% |
| Nevada | $1,558 | $258 | 19.8% |
| New Hampshire | $934 | -$366 | -28.2% |
| New Jersey | $1,450 | $150 | 11.5% |
| New Mexico | $1,148 | -$152 | -11.7% |
| New York | $1,364 | $64 | 4.9% |
| North Carolina | $746 | -$554 | -42.6% |
| North Dakota | $1,064 | -$236 | -18.2% |
| Ohio | $896 | -$404 | -31.1% |
| Oklahoma | $1,332 | $32 | 2.5% |
| Oregon | $1,190 | -$110 | -8.5% |
| Pennsylvania | $1,238 | -$62 | -4.8% |
| Rhode Island | $1,732 | $432 | 33.2% |
| South Carolina | $1,176 | -$124 | -9.5% |
| South Dakota | $1,094 | -$206 | -15.8% |
| Tennessee | $1,136 | -$164 | -12.6% |
| Texas | $1,564 | $264 | 20.3% |
| Utah | $960 | -$340 | -26.2% |
| Vermont | $886 | -$414 | -31.8% |
| Virginia | $776 | -$524 | -40.3% |
| Washington | $1,002 | -$298 | -22.9% |
| West Virginia | $1,190 | -$110 | -8.5% |
| Wisconsin | $900 | -$400 | -30.8% |
| Wyoming | $1,156 | -$144 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $340 a year, while buying higher liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $639 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,500 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 129% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Ram 3500 Crew Cab Laramie 2WD | $1,026 | $86 |
| Dodge Ram 3500 Crew Cab ST 2WD | $1,106 | $92 |
| Dodge Ram 3500 Crew Cab ST 4WD | $1,460 | $122 |
| Dodge Ram 3500 Crew Cab SLT 2WD | $1,126 | $94 |
| Dodge Ram 3500 Crew Cab Laramie 4WD | $1,482 | $124 |
| Dodge Ram 3500 Crew Cab SLT 4WD | $1,482 | $124 |
| Dodge Ram 3500 Mega Cab SLT 2WD | $1,126 | $94 |
| Dodge Ram 3500 Mega Cab SLT 4WD | $1,482 | $124 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $1,148 | $96 |
| Dodge Ram 3500 Mega Cab Laramie 2WD | $1,148 | $96 |
| Dodge Ram 3500 Mega Cab Laramie 4WD | $1,502 | $125 |
Rates assume 2012 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Dodge Ram 3500 | $382 | $656 | $498 | $1,736 |
| 2023 Dodge Ram 3500 | $368 | $640 | $520 | $1,728 |
| 2022 Dodge Ram 3500 | $356 | $612 | $536 | $1,704 |
| 2021 Dodge Ram 3500 | $336 | $592 | $554 | $1,682 |
| 2020 Dodge Ram 3500 | $324 | $548 | $564 | $1,636 |
| 2019 Dodge Ram 3500 | $310 | $516 | $570 | $1,596 |
| 2018 Dodge Ram 3500 | $298 | $464 | $574 | $1,536 |
| 2017 Dodge Ram 3500 | $278 | $426 | $574 | $1,478 |
| 2016 Dodge Ram 3500 | $268 | $400 | $580 | $1,448 |
| 2015 Dodge Ram 3500 | $262 | $374 | $592 | $1,428 |
| 2014 Dodge Ram 3500 | $242 | $346 | $592 | $1,380 |
| 2013 Dodge Ram 3500 | $236 | $314 | $596 | $1,346 |
| 2012 Dodge Ram 3500 | $220 | $288 | $592 | $1,300 |
| 2011 Dodge Ram 3500 | $208 | $262 | $592 | $1,262 |
Rates are averaged for all Dodge Ram 3500 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Dodge Ram 3500 Insurance
Finding cheaper rates on auto insurance consists of not taking risks behind the wheel, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Spend time shopping around at least every other year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following is a quick review of the car insurance concepts touched on above.
- Drivers with a DUI or reckless driving violation pay an average of $1,490 more every year for Ram 3500 insurance
- You may be able to save up to $150 per year just by quoting early and online
- Increasing comprehensive and collision deductibles can save around $325 each year
- Consumers who may need higher liability limits will pay approximately $650 every year to raise from a 30/60 limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,190 |
| 20 | $2,962 |
| 30 | $1,320 |
| 40 | $1,300 |
| 50 | $1,190 |
| 60 | $1,164 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,520 |
| $250 | $1,418 |
| $500 | $1,300 |
| $1,000 | $1,184 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,300 |
| 50/100 | $1,644 |
| 100/300 | $1,822 |
| 250/500 | $2,283 |
| 100 CSL | $1,715 |
| 300 CSL | $2,106 |
| 500 CSL | $2,390 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,318 |
| 20 | $4,720 |
| 30 | $2,816 |
| 40 | $2,790 |
| 50 | $2,668 |
| 60 | $2,636 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $66 |
| Multi-vehicle | $70 |
| Homeowner | $23 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $47 |
| Advance Quote | $57 |
| Online Quote | $88 |
| Total Discounts | $512 |
Discounts are estimated and may not be available from every company or in every state.
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