Dodge Ram 3500 Insurance Rates

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UPDATED: Apr 3, 2024

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Average auto insurance rates for a Dodge Ram 3500 are $1,300 annually with full coverage. Comprehensive costs on average $220 each year, collision insurance costs $288, and liability is $592. A policy with just liability insurance costs around $652 a year, and coverage for high-risk drivers costs around $2,790. Teens 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

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. 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 range from as cheap as $652 for minimum levels of liability insurance 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

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas tend to have fewer collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine car insurance rates.

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

These examples demonstrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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 Rate Details

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

  • The cheapest rate after discounts is $788
  • Raising to $1,000 deductibles will save around $116 annually
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,300
  • Selecting low deductibles will cost $1,520
  • Drivers with serious driving violations could pay upwards of $2,790
  • The cost with full coverage for a 16-year-old driver may cost $5,190

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

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

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $340 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $639 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Dodge Ram 3500 insurance prices. A middle-age driver might find rates as low as $930 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,750 on average in Florida, Michigan, 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 Buy the Cheapest Dodge Ram 3500 Insurance

Saving money on insurance for a Dodge Ram 3500 consists of having a decent driving record, having good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Invest time comparing rates at every other renewal by quoting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following items are a recap of the concepts that were covered in the charts and tables above.

  • Drivers considered higher risk that have major violations or accidents pay an average of $1,490 more each year than a driver with a clean driving record
  • 16 to 18-year-old drivers pay higher rates, with premiums as much as $433 per month if they have full coverage
  • You may be able to save as much as $150 per year just by quoting online in advance
  • Increasing deductibles could save up to $325 each year
  • You may be able to save as much as $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.

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