Dodge Ram 3500 Insurance Rates

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UPDATED: Apr 3, 2024

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Average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months for full coverage. Comprehensive insurance costs on average $220, collision insurance costs $288, and liability coverage is estimated at $592. Liability-only coverage costs approximately $652 a year, and high-risk coverage costs $2,790 or more. Teen drivers receive the highest rates at up to $5,190 a year.

Average premium for full coverage: $1,300

Rate estimates by individual coverage type:

Comprehensive $220
Collision $288
Liability $592

Prices include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different Ram 3500 trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from the cheapest price of $652 for a discount liability-only rate to a much higher rate of $2,790 for a driver who requires high-risk insurance.

Liability Only $652
Full Coverage $1,300
High Risk $2,790

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas tend to have more infrequent accident claims than larger metro areas. The price range example below illustrates how location helps determine car insurance rates.

Rural Areas $975
Small Cities $1,365
Large Cities $1,755

These examples show why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than using price 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.

Rates by State, City, and Model

The chart below shows average Dodge Ram 3500 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $788
  • Choosing higher $1,000 deductibles can save around $116 a year
  • The average price for a 40-year-old driver with $500 deductibles is $1,300
  • Choosing more expensive low deductibles for comp and collision coverage costs an extra $220 each year
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,790
  • The cost to insure a teenage driver with full coverage may cost $5,190 each year

View Chart as Image

Dodge Ram 3500 insurance cost comparison chart
Column chart showing Dodge Ram 3500 insurance prices range from $788 to $5,190 for full coverage

Car insurance rates for a Dodge Ram 3500 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Ram 3500.

Choosing high deductibles can save as much as $340 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $639 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged upwards of $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,200 extra per year, depending on your age. High-risk driver insurance ranges around 42% to 129% more than average. View High Risk Driver Rates

Where you live plays a big part in determining prices for Dodge Ram 3500 insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or as much as $1,850 on average in Michigan, Louisiana, and New York.

Dodge Ram 3500 Insurance Rates by State
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%

View Chart as Image

Dodge Ram 3500 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

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.

Dodge Ram 3500 Insurance Rates by Model Year
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 Shop for the Right Dodge Ram 3500 Insurance

Saving money on auto insurance takes being a safe and courteous driver, maintaining a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Invest time comparing rates at every other renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a quick rundown of the concepts that were covered in the charts and tables above.

  • Drivers with reckless driving or DUI convictions pay an average of $1,490 more each year for auto insurance
  • Teenage drivers are expensive to insure, costing as high as $433 per month if the policy includes full coverage
  • Drivers can save as much as $150 per year just by shopping early and online
  • Increasing deductibles could save as much as $325 each year
  • Drivers can save as much as $150 per year just by shopping early and online

Rates by Driver Age

Dodge Ram 3500 Insurance 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

Dodge Ram 3500 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,520
$250 $1,418
$500 $1,300
$1,000 $1,184

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram 3500 Insurance Rates with Different Liability Limits
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

Dodge Ram 3500 Insurance 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.

SR-22 Surcharge $174

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
Rate after discounts $788

Discounts are estimated and may not be available from every company or in every state.

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