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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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:
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.
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.
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
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.
| 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 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
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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