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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U.S. average insurance rates for a Dodge Ram 3500 are $1,300 a year for full coverage. Comprehensive insurance costs around $220, collision insurance costs $288, and liability insurance costs around $592. A policy with just liability insurance costs as low as $652 a year, and coverage for high-risk drivers costs $2,790 or more. Teen drivers pay the highest rates at up to $5,190 a year.
Average premium for full coverage: $1,300
Price estimates for individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all Ram 3500 models.
Price Range from Low to High
Using a middle-aged driver as an example, Dodge Ram 3500 insurance prices range from as low as $652 for just liability coverage to the much higher price of $2,790 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live has a significant impact on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than larger metro areas. The example below illustrates how where you live affects auto insurance rates.
The ranges above show why everyone should compare prices for a specific zip code and risk profile, 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.
Detailed Rate Analysis
The chart below shows average Dodge Ram 3500 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $788
- Using higher $1,000 deductibles will save about $116 a year
- The average rate for the average middle-age driver using $500 deductibles is $1,300
- Choosing pricier low deductibles for physical damage coverage will cost an extra $220 a year
- Drivers with multiple violations and an at-fault accident could pay at least $2,790
- The price for full coverage for a teen driver for full coverage can be $5,190 or more
Insurance prices for a Dodge Ram 3500 are also quite variable based on your driving record, the trim level of your Ram 3500, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $5,100 a year. View Rates by Age
The state you live in has a huge impact on Dodge Ram 3500 insurance rates. A driver around age 40 might see prices as low as $860 a year in states like Idaho, Maine, and Iowa, or as much as $1,850 on average in Michigan, Louisiana, 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 prices by as much as $340 each year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $639 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at least $1,500 to $2,200 extra each year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers can be anywhere from 42% to 129% more than average. View High Risk Driver Rates
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 More Affordable Dodge Ram 3500 Insurance
Getting lower rates on Dodge Ram 3500 insurance requires having a decent driving record, maintaining good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop at every other renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
The following items are a summary of the concepts that were touched on in the above illustrations.
- High-risk drivers who have multiple accidents or major violations may be required to pay an average of $1,490 more every year than a driver with a clean driving record
- 16 to 18-year-old drivers pay higher prices, with premiums as much as $433 a month for full coverage
- Drivers can save up to $150 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $325 each year
- Drivers can save up to $150 per year just by quoting online well ahead of the renewal date
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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