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 $1,346 a year for full coverage. Comprehensive costs approximately $236, collision insurance costs $314, and liability is $596. A policy with just liability insurance costs around $656 a year, and coverage for high-risk drivers costs around $2,894. Teen drivers pay the highest rates at up to $5,346 a year.
Average premium for full coverage: $1,346
Price estimates by individual coverage:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for different Ram 3500 trim levels.
Price Range from Low to High
For the normal driver, Dodge Ram 3500 insurance prices range from as low as $656 for a discount liability-only rate to a much higher rate of $2,894 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations have a lower frequency of accident claims than larger metro areas. The price range example below illustrates how geographic area affects auto insurance prices.
The ranges above show why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, instead of making a decision based 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.
Rates by State, City, and Model
The chart below shows average Dodge Ram 3500 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $811
- Raising to $1,000 deductibles will save $124 a year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,346
- Choosing more expensive low deductibles will increase the cost to $1,586
- Drivers with multiple violations and an at-fault accident could pay around $2,894
- The price for full coverage for a 16-year-old driver with full coverage can cost $5,346
Insurance prices for a Dodge Ram 3500 are also quite variable based on your driving record, the trim level of your Ram 3500, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age
The state you live in also has a big influence on Dodge Ram 3500 insurance prices. A middle-age driver might find prices as low as $890 a year in states like Iowa, Maine, and Idaho, or as much as $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% |
Choosing high deductibles can reduce prices by up to $370 annually, while increasing your policy's liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $645 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 anywhere from $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 41% to 133% 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 | $1,062 | $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 Cheaper Dodge Ram 3500 Insurance
Getting lower rates on insurance for a Dodge Ram 3500 consists of avoiding accidents and claims, maintaining good credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates at every policy renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The points below are a condensed summary of the data presented in the illustrations above.
- Insureds who purchase increased liability limits will pay about $660 each year to raise from a low limit to 250/500 limits
- Drivers can save around $150 per year just by shopping early and online
- Increasing physical damage deductibles can save around $375 each year
- Drivers under the age of 20 are expensive to insure, with premiums as much as $446 a month for full coverage
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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