Dodge Ram 3500 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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

Advertiser Disclosure

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 auto insurance rates for a Dodge Ram 3500 are $1,300 annually for full coverage insurance. Comprehensive costs approximately $220 each year, collision insurance costs $288, and liability costs around $592. Buying just liability costs as low as $652 a year, and insurance for high-risk drivers costs around $2,790. 16-year-old 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

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and Ram 3500 models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from as cheap as $652 for just liability coverage to a high 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

Where you live can have significant affects on the price of auto insurance. Rural locations tend to have fewer physical damage claims than congested cities. The graphic below illustrates the difference location can make on auto insurance prices.

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

These examples illustrate why all drivers should compare prices using their specific location and their own personal driving habits, instead of using 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.

Detailed Rate Analysis

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

  • The best full coverage rate is $788
  • Using higher $1,000 deductibles will save $116 each year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,300
  • Buying low deductibles for physical damage coverage will cost $1,520
  • Drivers with multiple tickets or accidents could pay around $2,790
  • The cost with full coverage for a teen driver can cost $5,190 or more

View Chart as Image

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

Auto insurance rates for a Dodge Ram 3500 can also vary considerably based on the trim level of your Ram 3500, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $340 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $639 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Dodge Ram 3500 insurance prices. A driver around age 40 might see rates as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,750 on average in Florida, 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 Buy Cheaper Dodge Ram 3500 Insurance

Saving money on car insurance requires avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Make time to compare rates at every other renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The list below is a condensed summary of the concepts that were touched on in this article.

  • Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,490 more per year for car insurance
  • Teenagers have the highest car insurance rates, costing up to $433 per month if full coverage is included
  • It is possible to save around $150 per year just by quoting online in advance
  • Increasing deductibles could save up to $325 each year
  • It is possible to save around $150 per year just by quoting online in advance

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles