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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U.S. average auto insurance rates for a Dodge Ram 3500 are $1,300 annually for full coverage. Comprehensive costs approximately $220, collision insurance costs $288, and liability insurance is $592. Buying just liability costs around $652 a year, and insurance for high-risk drivers costs around $2,790. 16-year-old drivers pay the highest rates at up to $5,190 a year.
Average premium for full coverage: $1,300
Price estimates by individual coverage:
Estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for different Ram 3500 trim levels.
Price Range from Low to High
For a 40-year-old driver, Dodge Ram 3500 insurance prices range from as cheap as $652 for your basic liability-only policy to a much higher rate of $2,790 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations have fewer accident claims than congested cities. The price range example below illustrates how your location can change auto insurance prices.
The ranges above show why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, rather than relying on rate averages.
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.
More Rate Information
The chart below shows average Dodge Ram 3500 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $788
- Raising to $1,000 deductibles will save $116 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,300
- Buying more expensive low deductibles will cost $1,520
- Higher-risk drivers with multiple tickets or accidents could pay around $2,790
- The price with full coverage for a teen driver with full coverage can cost $5,190
Insurance prices for a Dodge Ram 3500 are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,500 to $2,200 additional each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $340 each year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $639 more each year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Dodge Ram 3500 insurance rates. A middle-age driver might find prices as low as $860 a year in states like Iowa, Maine, and Idaho, or at least $1,850 on average in New York, Louisiana, and Michigan.
| 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% |
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 Buy Low Cost Dodge Ram 3500 Insurance
Getting lower rates on Dodge Ram 3500 insurance consists of being safe and accident-free, having good credit, eliminating unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around at least once a year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below you'll find a review of the primary concepts that were illustrated above.
- Drivers can save around $150 per year just by shopping early and online
- High-risk drivers who have several accidents or serious violations pay on average $1,490 more per year than a low-risk driver
- Increasing physical damage deductibles could save up to $325 each year
- Youthful drivers are the costliest to insure, with premiums as much as $433 a month if they have full coverage
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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