Dodge Ram 3500 Insurance Rates
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UPDATED: Apr 3, 2024
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Average insurance rates for a Dodge Ram 3500 are $1,346 a year for full coverage. Comprehensive insurance costs approximately $236 a year, collision insurance costs $314, and liability coverage costs around $596. A liability-only policy costs as low as $656 a year, and high-risk insurance costs $2,894 or more. 16-year-old drivers receive the highest rates at up to $5,346 a year.
Average premium for full coverage: $1,346
Rate estimates by individual coverage type:
Includes $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Ram 3500 trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the low end price of $656 for basic liability insurance to a high of $2,894 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live has a large influence on car insurance rates. Rural locations tend to have lower incidents of accident claims than congested cities. The diagram below illustrates how where you live affects auto insurance prices.
These examples show why it is important to compare prices using their specific location, rather than 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.
Rate Comparisons
The chart below shows average Dodge Ram 3500 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $811
- Using higher $1,000 deductibles will save $1,222 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,346
- Buying low $100 deductibles for physical damage coverage will cost an additional $240 each year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,894
- The cost that insures a teenage driver can cost $5,346 or more
Insurance rates for a Dodge Ram 3500 can also vary considerably based on the trim level of your Ram 3500, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can be around 41% to 133% more than the average rate. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,300 a year. View Rates by Age
Where you live has a huge impact on Dodge Ram 3500 insurance rates. A driver around age 40 might see rates as low as $890 a year in states like Iowa, Maine, and Idaho, or at least $1,920 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,218 | -$128 | -9.5% |
| Alaska | $1,034 | -$312 | -23.2% |
| Arizona | $1,116 | -$230 | -17.1% |
| Arkansas | $1,346 | -$0 | 0.0% |
| California | $1,534 | $188 | 14.0% |
| Colorado | $1,286 | -$60 | -4.5% |
| Connecticut | $1,384 | $38 | 2.8% |
| Delaware | $1,526 | $180 | 13.4% |
| Florida | $1,682 | $336 | 25.0% |
| Georgia | $1,242 | -$104 | -7.7% |
| Hawaii | $966 | -$380 | -28.2% |
| Idaho | $912 | -$434 | -32.2% |
| Illinois | $1,002 | -$344 | -25.6% |
| Indiana | $1,016 | -$330 | -24.5% |
| Iowa | $912 | -$434 | -32.2% |
| Kansas | $1,276 | -$70 | -5.2% |
| Kentucky | $1,834 | $488 | 36.3% |
| Louisiana | $1,994 | $648 | 48.1% |
| Maine | $832 | -$514 | -38.2% |
| Maryland | $1,110 | -$236 | -17.5% |
| Massachusetts | $1,074 | -$272 | -20.2% |
| Michigan | $2,336 | $990 | 73.6% |
| Minnesota | $1,128 | -$218 | -16.2% |
| Mississippi | $1,610 | $264 | 19.6% |
| Missouri | $1,196 | -$150 | -11.1% |
| Montana | $1,448 | $102 | 7.6% |
| Nebraska | $1,060 | -$286 | -21.2% |
| Nevada | $1,616 | $270 | 20.1% |
| New Hampshire | $968 | -$378 | -28.1% |
| New Jersey | $1,504 | $158 | 11.7% |
| New Mexico | $1,192 | -$154 | -11.4% |
| New York | $1,416 | $70 | 5.2% |
| North Carolina | $774 | -$572 | -42.5% |
| North Dakota | $1,104 | -$242 | -18.0% |
| Ohio | $930 | -$416 | -30.9% |
| Oklahoma | $1,380 | $34 | 2.5% |
| Oregon | $1,232 | -$114 | -8.5% |
| Pennsylvania | $1,286 | -$60 | -4.5% |
| Rhode Island | $1,798 | $452 | 33.6% |
| South Carolina | $1,218 | -$128 | -9.5% |
| South Dakota | $1,138 | -$208 | -15.5% |
| Tennessee | $1,178 | -$168 | -12.5% |
| Texas | $1,620 | $274 | 20.4% |
| Utah | $996 | -$350 | -26.0% |
| Vermont | $920 | -$426 | -31.6% |
| Virginia | $806 | -$540 | -40.1% |
| Washington | $1,038 | -$308 | -22.9% |
| West Virginia | $1,234 | -$112 | -8.3% |
| Wisconsin | $934 | -$412 | -30.6% |
| Wyoming | $1,200 | -$146 | -10.8% |
Opting for high physical damage deductibles could cut rates by as much as $370 a year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $645 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Ram 3500 Crew Cab Laramie 2WD | $1,062 | $89 |
| Dodge Ram 3500 Crew Cab ST 2WD | $1,150 | $96 |
| Dodge Ram 3500 Crew Cab ST 4WD | $1,510 | $126 |
| Dodge Ram 3500 Crew Cab SLT 2WD | $1,172 | $98 |
| Dodge Ram 3500 Crew Cab Laramie 4WD | $1,532 | $128 |
| Dodge Ram 3500 Crew Cab SLT 4WD | $1,532 | $128 |
| Dodge Ram 3500 Mega Cab SLT 2WD | $1,172 | $98 |
| Dodge Ram 3500 Mega Cab SLT 4WD | $1,532 | $128 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $1,194 | $100 |
| Dodge Ram 3500 Mega Cab Laramie 2WD | $1,194 | $100 |
| Dodge Ram 3500 Mega Cab Laramie 4WD | $1,556 | $130 |
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 | $398 | $660 | $488 | $1,746 |
| 2023 Dodge Ram 3500 | $382 | $656 | $498 | $1,736 |
| 2022 Dodge Ram 3500 | $368 | $640 | $520 | $1,728 |
| 2021 Dodge Ram 3500 | $356 | $612 | $536 | $1,704 |
| 2020 Dodge Ram 3500 | $336 | $592 | $554 | $1,682 |
| 2019 Dodge Ram 3500 | $324 | $548 | $564 | $1,636 |
| 2018 Dodge Ram 3500 | $310 | $516 | $570 | $1,596 |
| 2017 Dodge Ram 3500 | $298 | $464 | $574 | $1,536 |
| 2016 Dodge Ram 3500 | $278 | $426 | $574 | $1,478 |
| 2015 Dodge Ram 3500 | $268 | $400 | $580 | $1,448 |
| 2014 Dodge Ram 3500 | $262 | $374 | $592 | $1,428 |
| 2013 Dodge Ram 3500 | $242 | $346 | $592 | $1,380 |
| 2012 Dodge Ram 3500 | $236 | $314 | $596 | $1,346 |
| 2011 Dodge Ram 3500 | $220 | $288 | $592 | $1,300 |
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
Saving money on auto insurance requires being a good driver, having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Comparison shop at every policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following list is a recap of the data touched on in the above illustrations.
- Consumers who purchase an increased level of liability coverage will pay around $660 each year to increase from a minimum limit to the 250/500 level
- Drivers can save around $150 per year just by quoting early and online
- Increasing deductibles can save approximately $375 each year
- Drivers age 16 to 20 are expensive to insure, costing as high as $446 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,346 |
| 20 | $3,070 |
| 30 | $1,374 |
| 40 | $1,346 |
| 50 | $1,232 |
| 60 | $1,206 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,586 |
| $250 | $1,476 |
| $500 | $1,346 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,346 |
| 50/100 | $1,699 |
| 100/300 | $1,878 |
| 250/500 | $2,344 |
| 100 CSL | $1,771 |
| 300 CSL | $2,165 |
| 500 CSL | $2,451 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,546 |
| 20 | $4,894 |
| 30 | $2,924 |
| 40 | $2,894 |
| 50 | $2,766 |
| 60 | $2,736 |
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 | $69 |
| Multi-vehicle | $72 |
| Homeowner | $23 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $50 |
| Advance Quote | $60 |
| Online Quote | $92 |
| Total Discounts | $535 |
Discounts are estimated and may not be available from every company or in every state.
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