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 including full coverage. Comprehensive insurance costs approximately $220 a year, collision insurance costs $288, and liability insurance is estimated at $592. A liability-only policy costs approximately $652 a year, and high-risk insurance 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 are based on $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Ram 3500 trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the cheapest price of $652 for basic liability insurance to a high 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 significant impact on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how rural and urban location affects auto insurance prices.

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

These examples highlight why it is important to get quotes using their specific location and their own driving history, rather than relying on 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.

Rate Comparisons

The chart below breaks down average Dodge Ram 3500 insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $788
  • Choosing higher $1,000 deductibles can save $1,184 every year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,300
  • Choosing low $100 deductibles for comp and collision coverage costs an extra $220 a year
  • High-risk insureds with multiple violations and an at-fault accident could pay around $2,790
  • The cost to insure a teen driver can 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

Insurance rates for a Dodge Ram 3500 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Ram 3500.

Choosing high deductibles can save as much as $340 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $639 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 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 $1,000 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,850 on average in Louisiana, New York, and Michigan.

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 Affordable Dodge Ram 3500 Insurance

Saving money on Dodge Ram 3500 insurance takes not taking risks behind the wheel, having good credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around at every other renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

The following is a brief review of the concepts that were raised in the charts and tables above.

  • High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,490 more per year for Ram 3500 insurance
  • Teens are expensive to insure, as much as $433 per month if they have full coverage
  • You may be able to save around $150 per year just by quoting early and online
  • Increasing deductibles could save as much as $325 each year
  • You may be able to save around $150 per year just by quoting 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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