Dodge Ram 3500 Insurance Rates

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UPDATED: Apr 3, 2024

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The average insurance rates for a Dodge Ram 3500 are $1,300 a year for full coverage insurance. Comprehensive costs approximately $220 a year, collision costs $288, and liability is $592. Liability-only insurance costs around $652 a year, with high-risk driver insurance costing around $2,790. 16-year-old drivers cost the most to insure at $5,190 a year or more.

Average premium for full coverage: $1,300

Policy rates by type of insurance:

Comprehensive $220
Collision $288
Liability $592

Includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Ram 3500 trim levels.

Price Range Variability

For a driver in their 40's, Dodge Ram 3500 insurance rates go from the low end price of $652 for liability-only coverage to a high of $2,790 for a policy for a high-risk driver.

Liability Only $652
Full Coverage $1,300
High Risk $2,790

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities.

The diagram below illustrates how location helps determine auto insurance prices.

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

The examples above illustrate why it is important to compare rates quotes using their specific location, instead of making a decision based on 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.

Additional Charts and Tables

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

  • The best full coverage rate is $788
  • Raising to $1,000 deductibles will save $1,184 each year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,300
  • Buying low $100 deductibles bumps up the cost to $1,520
  • Drivers with multiple tickets or accidents could pay around $2,790 or more
  • Policy cost that insures a 16-year-old driver can cost $5,190

View Chart as Image

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

Auto insurance rates for a Dodge Ram 3500 also range considerably based on the trim level of your Ram 3500, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,500 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 129% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,100 a year. View Rates by Age

Your home state also has a big influence on Dodge Ram 3500 insurance prices. A middle-age driver might find 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

Opting for high physical damage deductibles can reduce rates by up to $340 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $639 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied.

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 Find the Cheapest Dodge Ram 3500 Insurance

Finding cheaper rates on insurance for a Dodge Ram 3500 consists of being a low-risk driver, maintaining a good credit score, being claim-free, and not having any coverage lapses. Comparison shop every year by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

The items below are a recap of the coverage data covered in the charts and tables above.

  • It is possible to save around $150 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles can save approximately $325 each year
  • Teen drivers have the highest car insurance rates, possibly costing $433 each month if the policy includes full coverage
  • Drivers considered higher risk that have major violations or accidents could be charged and average of $1,490 more per year to insure their Ram 3500

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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