Dodge Ram 3500 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
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.
Average insurance rates for a Dodge Ram 3500 are $1,300 a year with full coverage. Comprehensive costs on average $220 each year, collision costs $288, and liability coverage costs around $592. A liability-only policy costs as low as $652 a year, with high-risk insurance costing around $2,790. Teen drivers receive the highest rates at $5,190 a year or more.
Average premium for full coverage: $1,300
Rate estimates by individual coverage type:
Price estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and Ram 3500 models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the low end price of $652 for liability-only coverage to a high rate of $2,790 for high-risk insurance.
Price Range by Location
Where you live has a large influence on auto insurance rates. Rural areas tend to have lower incidents of collision claims than larger metro areas.
The graphic below illustrates how location helps determine car insurance rates.
These examples demonstrate why all drivers should compare prices based on a specific location, 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.
Additional Charts and Tables
The chart below details estimated Dodge Ram 3500 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $788
- Using higher $1,000 deductibles will save around $116 annually
- The estimated price for a 40-year-old driver with $500 deductibles is $1,300
- Choosing low deductibles for physical damage coverage bumps up the cost to $1,520
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,790 or more
- The cost that insures a teenage driver may cost $5,190 or more
Insurance rates for a Dodge Ram 3500 can also vary considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,500 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can be around 42% to 129% more than average. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $5,100 a year. View Rates by Age
Where you live has a huge impact on Dodge Ram 3500 insurance rates. A driver around age 40 might see rates as low as $930 a year in states like New Hampshire, Ohio, and Utah, or as much as $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 high deductibles could cut rates by as much as $340 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $639 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, so the rates can be significantly different.
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 Cheaper Dodge Ram 3500 Insurance
Saving money on auto insurance requires being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and bundling your home and auto policies. Shop around every couple of years by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The items below are a condensed summary of the material that was covered in the charts and tables above.
- Consumers who require more liability coverage will pay about $650 every year to increase from a minimum limit to the 250/500 level
- Teen drivers pay the highest rates, with premiums as much as $433 per month if full coverage is included
- Drivers with multiple at-fault accidents pay on average $1,490 more each year to insure their Ram 3500
- Increasing deductibles can save approximately $325 each year
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
