Dodge Ram 3500 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 3, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated auto insurance rates for a Dodge Ram 3500 are $1,346 annually for full coverage. Comprehensive costs an estimated $236 each year, collision insurance costs $314, and liability insurance is $596. Liability-only coverage costs around $656 a year, and high-risk coverage costs around $2,894. 16-year-old drivers pay the most at up to $5,346 a year.
Average premium for full coverage: $1,346
Premium estimates broken down by type of coverage:
Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and Ram 3500 models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Dodge Ram 3500 range from as cheap as $656 for minimum levels of liability insurance to a high rate of $2,894 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. More rural locations are statistically proven to have fewer accident claims than congested cities. The graphic below illustrates how location impacts insurance prices.
These rate differences show why all drivers should compare rates quotes for a targeted area 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.
Additional Rate Details
The chart below shows average Dodge Ram 3500 insurance rates for other coverage scenarios.
- The best full coverage rate is $811
- Raising to $1,000 deductibles will save approximately $124 a year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,346
- Buying low deductibles will cost $1,586
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,894
- An auto insurance policy with full coverage for a teen driver can cost as much as $5,346
Insurance prices for a Dodge Ram 3500 also have a wide range based on the model of your Ram 3500, your driver profile, and liability limits and deductibles.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay at least $5,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 41% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $370 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $645 more per year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Dodge Ram 3500 insurance rates. A middle-age driver might find prices as low as $890 a year in states like Iowa, Maine, and Idaho, or at least $1,920 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,218 | -$128 | -9.5% |
| Alaska | $1,034 | -$312 | -23.2% |
| Arizona | $1,116 | -$230 | -17.1% |
| Arkansas | $1,346 | -$0 | 0.0% |
| California | $1,534 | $188 | 14.0% |
| Colorado | $1,286 | -$60 | -4.5% |
| Connecticut | $1,384 | $38 | 2.8% |
| Delaware | $1,526 | $180 | 13.4% |
| Florida | $1,682 | $336 | 25.0% |
| Georgia | $1,242 | -$104 | -7.7% |
| Hawaii | $966 | -$380 | -28.2% |
| Idaho | $912 | -$434 | -32.2% |
| Illinois | $1,002 | -$344 | -25.6% |
| Indiana | $1,016 | -$330 | -24.5% |
| Iowa | $912 | -$434 | -32.2% |
| Kansas | $1,276 | -$70 | -5.2% |
| Kentucky | $1,834 | $488 | 36.3% |
| Louisiana | $1,994 | $648 | 48.1% |
| Maine | $832 | -$514 | -38.2% |
| Maryland | $1,110 | -$236 | -17.5% |
| Massachusetts | $1,074 | -$272 | -20.2% |
| Michigan | $2,336 | $990 | 73.6% |
| Minnesota | $1,128 | -$218 | -16.2% |
| Mississippi | $1,610 | $264 | 19.6% |
| Missouri | $1,196 | -$150 | -11.1% |
| Montana | $1,448 | $102 | 7.6% |
| Nebraska | $1,060 | -$286 | -21.2% |
| Nevada | $1,616 | $270 | 20.1% |
| New Hampshire | $968 | -$378 | -28.1% |
| New Jersey | $1,504 | $158 | 11.7% |
| New Mexico | $1,192 | -$154 | -11.4% |
| New York | $1,416 | $70 | 5.2% |
| North Carolina | $774 | -$572 | -42.5% |
| North Dakota | $1,104 | -$242 | -18.0% |
| Ohio | $930 | -$416 | -30.9% |
| Oklahoma | $1,380 | $34 | 2.5% |
| Oregon | $1,232 | -$114 | -8.5% |
| Pennsylvania | $1,286 | -$60 | -4.5% |
| Rhode Island | $1,798 | $452 | 33.6% |
| South Carolina | $1,218 | -$128 | -9.5% |
| South Dakota | $1,138 | -$208 | -15.5% |
| Tennessee | $1,178 | -$168 | -12.5% |
| Texas | $1,620 | $274 | 20.4% |
| Utah | $996 | -$350 | -26.0% |
| Vermont | $920 | -$426 | -31.6% |
| Virginia | $806 | -$540 | -40.1% |
| Washington | $1,038 | -$308 | -22.9% |
| West Virginia | $1,234 | -$112 | -8.3% |
| Wisconsin | $934 | -$412 | -30.6% |
| Wyoming | $1,200 | -$146 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Ram 3500 Crew Cab Laramie 2WD | $1,062 | $89 |
| Dodge Ram 3500 Crew Cab ST 2WD | $1,150 | $96 |
| Dodge Ram 3500 Crew Cab ST 4WD | $1,510 | $126 |
| Dodge Ram 3500 Crew Cab SLT 2WD | $1,172 | $98 |
| Dodge Ram 3500 Crew Cab Laramie 4WD | $1,532 | $128 |
| Dodge Ram 3500 Crew Cab SLT 4WD | $1,532 | $128 |
| Dodge Ram 3500 Mega Cab SLT 2WD | $1,172 | $98 |
| Dodge Ram 3500 Mega Cab SLT 4WD | $1,532 | $128 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $1,194 | $100 |
| Dodge Ram 3500 Mega Cab Laramie 2WD | $1,194 | $100 |
| Dodge Ram 3500 Mega Cab Laramie 4WD | $1,556 | $130 |
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 | $398 | $660 | $488 | $1,746 |
| 2023 Dodge Ram 3500 | $382 | $656 | $498 | $1,736 |
| 2022 Dodge Ram 3500 | $368 | $640 | $520 | $1,728 |
| 2021 Dodge Ram 3500 | $356 | $612 | $536 | $1,704 |
| 2020 Dodge Ram 3500 | $336 | $592 | $554 | $1,682 |
| 2019 Dodge Ram 3500 | $324 | $548 | $564 | $1,636 |
| 2018 Dodge Ram 3500 | $310 | $516 | $570 | $1,596 |
| 2017 Dodge Ram 3500 | $298 | $464 | $574 | $1,536 |
| 2016 Dodge Ram 3500 | $278 | $426 | $574 | $1,478 |
| 2015 Dodge Ram 3500 | $268 | $400 | $580 | $1,448 |
| 2014 Dodge Ram 3500 | $262 | $374 | $592 | $1,428 |
| 2013 Dodge Ram 3500 | $242 | $346 | $592 | $1,380 |
| 2012 Dodge Ram 3500 | $236 | $314 | $596 | $1,346 |
| 2011 Dodge Ram 3500 | $220 | $288 | $592 | $1,300 |
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 More Affordable Dodge Ram 3500 Insurance
Finding better rates on Dodge Ram 3500 insurance consists of having a good driving record, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around at least every other year by requesting rates from direct carriers, and also from local exclusive and independent agents.
The next list is a summary of the car insurance concepts touched on above.
- High-risk drivers who have multiple accidents or major violations may pay on average $1,550 more annually to buy Dodge Ram 3500 insurance
- Drivers can save approximately $150 per year just by quoting online in advance
- Increasing policy deductibles could save up to $375 each year
- Drivers who want increased levels of liability coverage will pay around $660 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,346 |
| 20 | $3,070 |
| 30 | $1,374 |
| 40 | $1,346 |
| 50 | $1,232 |
| 60 | $1,206 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,586 |
| $250 | $1,476 |
| $500 | $1,346 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,346 |
| 50/100 | $1,699 |
| 100/300 | $1,878 |
| 250/500 | $2,344 |
| 100 CSL | $1,771 |
| 300 CSL | $2,165 |
| 500 CSL | $2,451 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,546 |
| 20 | $4,894 |
| 30 | $2,924 |
| 40 | $2,894 |
| 50 | $2,766 |
| 60 | $2,736 |
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 | $69 |
| Multi-vehicle | $72 |
| Homeowner | $23 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $50 |
| Advance Quote | $60 |
| Online Quote | $92 |
| Total Discounts | $535 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
