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Dodge Ram 3500 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 23, 2017

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Average Dodge Ram 3500 insurance rates are $120 per month or $1,448 annually. Finding affordable car insurance prices for your truck does not have to be tricky. Insurers base rates on a number of factors, from where you live to what type of car you own. If you have a Dodge Ram 3500 or are thinking of buying one, we are here to help you.

Our guide will teach you how your Dodge Ram 3500 insurance costs are calculated. Along the way, we will explain how you can find and compare cheap car insurance quotes. So keep reading to learn about prices, safety features, and more.

Can’t wait to find the best Dodge Ram 3500 prices for insurance? Simply enter your five-digit ZIP code into our FREE quote comparison tool above to compare better than average insurance costs.

The average insurance prices for a Dodge Ram 3500 are $1,428 every 12 months including full coverage. Comprehensive costs approximately $262, collision costs $374, and liability insurance costs $592. A liability-only policy costs as little as $652 a year, with high-risk insurance costing around $3,068. Teenage drivers cost the most to insure at $5,586 a year or more.

Average premium for full coverage: $1,428

Policy rates by type of insurance:

Comprehensive $262
Collision $374
Liability $592

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all Ram 3500 models.

Price Range Variability

For an average driver, Dodge Ram 3500 insurance rates go from the cheapest price of $652 for a discount liability-only rate to the much higher price of $3,068 for a driver required to buy high-risk insurance.

Liability Only $652
Full Coverage $1,428
High Risk $3,068

Urban vs. Rural Price Range

Your location has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The example below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $1,071
Small Cities $1,499
Large Cities $1,928

The examples above highlight why everyone should compare rates using their specific location and their own driving history, rather than relying on average rates.

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 breaks down estimated Dodge Ram 3500 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $853
  • Drivers who choose higher $1,000 deductibles will pay $146 every year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,428
  • Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,704
  • High risk drivers who are prone to accidents and violations could pay around $3,068 or more
  • Policy cost to insure a teen driver for full coverage can cost $5,586 a year

View Chart as Image

Dodge Ram 3500 insurance cost comparison chart
Column chart showing full coverage Dodge Ram 3500 insurance rates range from $853 to $5,586

Car insurance rates for a Dodge Ram 3500 also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Ram 3500.

Using high physical damage deductibles could save up to $430 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $639 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $5,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,400 extra every year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers can cost anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Dodge Ram 3500 insurance rates. A 40-year-old driver could pay as low as $1,090 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,030 on average in Louisiana, New York, and Michigan.

Dodge Ram 3500 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,288 -$140 -9.8%
Alaska $1,092 -$336 -23.5%
Arizona $1,182 -$246 -17.2%
Arkansas $1,428 -$0 0.0%
California $1,624 $196 13.7%
Colorado $1,360 -$68 -4.8%
Connecticut $1,466 $38 2.7%
Delaware $1,612 $184 12.9%
Florida $1,782 $354 24.8%
Georgia $1,314 -$114 -8.0%
Hawaii $1,022 -$406 -28.4%
Idaho $966 -$462 -32.4%
Illinois $1,062 -$366 -25.6%
Indiana $1,076 -$352 -24.6%
Iowa $966 -$462 -32.4%
Kansas $1,352 -$76 -5.3%
Kentucky $1,942 $514 36.0%
Louisiana $2,110 $682 47.8%
Maine $880 -$548 -38.4%
Maryland $1,176 -$252 -17.6%
Massachusetts $1,138 -$290 -20.3%
Michigan $2,476 $1,048 73.4%
Minnesota $1,194 -$234 -16.4%
Mississippi $1,706 $278 19.5%
Missouri $1,264 -$164 -11.5%
Montana $1,532 $104 7.3%
Nebraska $1,122 -$306 -21.4%
Nevada $1,710 $282 19.7%
New Hampshire $1,024 -$404 -28.3%
New Jersey $1,590 $162 11.3%
New Mexico $1,262 -$166 -11.6%
New York $1,498 $70 4.9%
North Carolina $818 -$610 -42.7%
North Dakota $1,168 -$260 -18.2%
Ohio $984 -$444 -31.1%
Oklahoma $1,460 $32 2.2%
Oregon $1,306 -$122 -8.5%
Pennsylvania $1,360 -$68 -4.8%
Rhode Island $1,902 $474 33.2%
South Carolina $1,292 -$136 -9.5%
South Dakota $1,202 -$226 -15.8%
Tennessee $1,248 -$180 -12.6%
Texas $1,718 $290 20.3%
Utah $1,056 -$372 -26.1%
Vermont $974 -$454 -31.8%
Virginia $854 -$574 -40.2%
Washington $1,100 -$328 -23.0%
West Virginia $1,306 -$122 -8.5%
Wisconsin $988 -$440 -30.8%
Wyoming $1,270 -$158 -11.1%

View Chart as Image

Dodge Ram 3500 insurance rates by U.S. city

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes will be varied.

Insurance Rates by Trim Level and Model Year

Dodge Ram 3500 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Dodge Ram 3500 Crew Cab Laramie 2WD $1,124 $94
Dodge Ram 3500 Crew Cab ST 2WD $1,226 $102
Dodge Ram 3500 Crew Cab ST 4WD $1,592 $133
Dodge Ram 3500 Crew Cab SLT 2WD $1,250 $104
Dodge Ram 3500 Crew Cab Laramie 4WD $1,616 $135
Dodge Ram 3500 Crew Cab SLT 4WD $1,616 $135
Dodge Ram 3500 Mega Cab SLT 2WD $1,250 $104
Dodge Ram 3500 Mega Cab SLT 4WD $1,616 $135
Dodge Ram 3500 Crew Cab Laramie 2WD $1,276 $106
Dodge Ram 3500 Mega Cab Laramie 2WD $1,276 $106
Dodge Ram 3500 Mega Cab Laramie 4WD $1,642 $137

Rates assume 2010 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
2010 Dodge Ram 3500 $262 $374 $592 $1,428
2009 Dodge Ram 3500 $242 $346 $592 $1,380
2008 Dodge Ram 3500 $236 $314 $596 $1,346
2007 Dodge Ram 3500 $220 $288 $592 $1,300
2006 Dodge Ram 3500 $208 $262 $592 $1,262
2005 Dodge Ram 3500 $200 $234 $586 $1,220
2004 Dodge Ram 3500 $198 $230 $574 $1,202
2003 Dodge Ram 3500 $194 $218 $564 $1,176
2002 Dodge Ram 3500 $178 $208 $558 $1,144
2001 Dodge Ram 3500 $172 $198 $554 $1,124

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 Shop for the Best Dodge Ram 3500 Insurance

Finding cheaper rates on Dodge Ram 3500 insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Take the time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The list below is a brief recap of the data covered in the above illustrations.

  • Drivers who purchase higher liability limits will pay an extra $650 per year to go from a 30/60 limit to a 250/500 level
  • You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save as much as $425 each year
  • Teenagers pay the highest auto insurance rates, with premiums being up to $466 each month if the policy includes full coverage

As you’ve learned from the information above, many factors impact your average pickup truck insurance cost per month. For example, the age of your Dodge Ram can cause your rates to increase or decrease. 

If you find a 2019 Dodge Ram 3500 dually for sale, you’ll pay lower insurance rates per month than if you bought a newer 2020 Dodge Ram 3500.

To get the cheapest insurance rates for your Dodge Ram 3500, you’ll have to compare quotes. Enter your ZIP code into our FREE quote tool below to get started. 

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How does the size and class of the Dodge Ram 3500 affect liability car insurance rates?

What are liability losses? Liability coverage consists of bodily injury coverage and property damage coverage. If you cause an accident, these coverages will pay for the other driver’s accident costs. This means that your insurer loses money whenever a liability claim is filed and approved.

The size and class of a vehicle directly impact a car’s safety rating, which in turn affects an insurer’s losses. Larger, heavier vehicles do better in crashes than vehicles that crumple like a piece of tinfoil. So if a car’s size and class suggest a car will do serious damage to other cars in a crash, insurers will raise rates to take on the risk of paying out large claims.

The Dodge Ram 3500’s classification is a very large pickup, which is one of the largest vehicles available. Within this classification are multiple models of the Dodge Ram 3500:

  • Ram 3500 4WD
  • Ram 3500 crew cab LWB
  • Ram 3500 crew LWB 4WD
  • Ram 3500 crew cab SWB 4WD
  • Ram 3500 mega cab 4WD

Each model of the Dodge Ram 3500 is in the same class and size but has different upgrade features. Crash wise, however, they are all similar in performance. This means that the liability losses for each model will be similar.

Now that you know how the size and class of the Dodge Ram 3500 relate to liability losses, let’s take a look at the Insurance Institute for Highway Safety’s 2016 to 2018 data on liability losses for Dodge Ram 3500 models (not all the models had sufficient data for losses):

  • The Ram 3500 crew cab LWB had a property damage loss of 71 percent.
  • Ram 3500 crew LWB 4WD had a property damage loss of 62 percent and a bodily injury loss of four percent.
  • The Ram 3500 crew cab SWB 4WD had a property damage loss of 21 percent.
  • The Ram 3500 mega cab 4WD had a property damage loss of 50 percent.

None of these losses look good. A good loss is a negative number, as it means fewer claims have been paid. However, these losses do make sense when you consider that because the Dodge Ram is a large, heavy pickup, it can do significant damage to other vehicles.

The good news is that even though the property damage losses are high, the bodily injury loss is much lower. This suggests that the Dodge Ram 3500 protects its passengers, even if it destroys other vehicles in crashes.

What does liability insurance cost for a Dodge Ram 3500?

Now that we’ve covered the losses, let’s see exactly how much insurance costs for a Dodge Ram 3500. We’ve collected data from Geico based on quotes for a 40-year-old male driver in PA with a bachelor’s degree, no accidents, full coverage with a $500 deductible, and a clean driving record. The vehicle is also owned and travels an annual mileage of 13,000.

What we found was that for a six month premium for bodily injury liability, changing the coverage level resulted in the following rates:

  • Low ($15,000/$30,000): $38.02
  • Medium ($100,000/$200,000): $77.95
  • High ($500,000/$500,000): $125.48

The rates do increase quite a bit as you change coverage levels, as the cost to upgrade from low to high coverage will cost you $87 for six months. This may not seem like much to some, but when combined with property damage liability coverage, the final rate can increase a few hundred dollars.

Take a look at the property damage liability rates from Geico below. We used the same parameters from bodily injury liability.

  • Low ($5,000): $451.76
  • Medium ($20,000): $484.85
  • High ($100,000): $509.04

It will cost you about $60 to upgrade from low to high coverage on your Dodge Ram 3500.

What are the safety ratings for the Dodge Ram 3500?

The more safety features there are on your vehicle, the better your car insurance rate will be. Understanding the Dodge Ram 3500 safety ratings can therefore help you see what discounts you qualify for and what might be costing you more money. 

Unfortunately, this pickup truck has not been crash-tested by either of the nation’s leading rating agencies, the Insurance Institute for Highway Safety and the National Highway Traffic Safety Administration. However, the Dodge Ram 3500 does come equipped with a few safety features that are worth looking into. 

Insurers will lower rates for every safety feature you have, as different groupings of safety features mean that you are less likely to get into a crash, are less likely to be hurt in a crash, and are less likely to have your vehicle stolen.

The 2019 Dodge Ram 3500 base model has the following safety features:

  • Crash safety features: side, overhead, and front airbags and seatbelt pre-tensioners.
  • Crash prevention safety features: anti-lock brakes and stability control.
  • Theft safety features: ignition disable device.

Unfortunately, the base model doesn’t have very many standard safety features. For example, it is lacking front and rear crash sensors and daytime running lights. While you can get these features added as upgrades, it’s going to cost you more. Remember, though, that these features will save you money on car insurance.

The only crash test safety ratings that exist for similar truck models are for the Dodge Ram 1500, and this vehicle did not score well. Until the Insurance IInstiitute for Highway Safety releases a crash rating on the 3500 version, we won’t know if the Dodge Ram 3500 is better or worse than the Dodge Ram 1500 model.

However, the Insurance Institute for Highway Safety does have crash data on the size and class that the Ram 3500 belongs to. In 2018, there were 34 driver pickup deaths per million vehicles, compared to 23 for SUVs and 48 for cars. 

For all occupant deaths, there were 42 pickup occupant deaths per million vehicles, 32 SUV deaths, and 69 car deaths.

This data shows that while pickups are safer than cars, the SUV performs better in crashes than pickups. If you take a look at the list below, you can see how the pickup did in various types of crashes in 2018.

  • Frontal Impact: 2,493 deaths
  • Side Impact: 807 deaths
  • Rear Impact: 173 deaths
  • Other (mostly rollovers): 896 deaths

In 2018, there was a total of 4,369 pickup occupant deaths. This number is slightly less than SUV total deaths of 5,035 and much less than the car total deaths of 13,138.

However, several factors go into these numbers, such as the number of vehicle owners by type. More people own cars than pickups, so there will be more car deaths than pickup deaths. Still, an insurer may look at these numbers and take a little off of your car insurance premium.

What is the MSRP of the Dodge Ram 3500?

MSRP stands for manufacturer suggested retail price. It is the sticker price that the manufacturer slaps on a car before sending it off to a car lot to be sold. The MSRP price affects what you will pay as a fair market price for your vehicle, as higher MSRP prices mean higher fair market prices.

According to Kelley Blue Book, the fair market price range for a 2010 Dodge Ram 3500 regular cab is $16,782 to $21,167. The usual price is listed at $20,198. Because the models of the Dodge Ram 3500 are older, KBB doesn’t have data on the MSRP. However, you can get an idea of what it is based on the fair market price. Generally, the MSRP is at least a few thousand dollars more than the fair market price.

So how does the MSRP affect your car insurance prices? Insurers will raise rates the higher the price is for your car. If you were in an accident and your car needs to be repaired, or if it is totaled, insurers have to pay more for new repair parts or a newer vehicle. This is why if you have a loan or lease on your car, the seller may force you to carry comprehensive and collision coverages. 

Both of these coverages will pay to repair your vehicle, making sure that your lender doesn’t have a huge loss after a crash because you had poor insurance.

  • Collision insurance protects you if you run into another vehicle or object.
  • Comprehensive insurance protects you if you run into an animal or your car is damaged by weather, natural disasters, theft, or vandalism.

Now that you know what MSRP is and how it affects rates, let’s take a look at the Insurance Institute for Highway Saftey’s collision loss rates for the Dodge Ram 3500 models. Why? High MSRP rates and high collision losses mean your rates will be very high.

  • Ram 3500 4WD: -35 percent (substantially better than average)
  • Ram 3500 crew cab LWB: -16 percent (average)
  • Ram 3500 crew cab LWB 4WD: 2 percent (average)
  • Ram 3500 crew cab SWB 4WD: -13 percent (average)
  • Ram 3500 mega cab 4WD: 0 percent (average)

The Dodge Ram 3500 4WD model has the best loss numbers by far. This means that in crashes, this model probably has the least amount of damages. Insurers are aware of what the best and worst vehicles for collision losses are, so a great loss number on your model means a lower rate.

Next, let’s take a look at the Insurance Institute for Highway Safety’s data on comprehensive loss rates:

  • Ram 3500 4WD: -13 percent (average)
  • Ram 3500 crew cab LWB: 107 percent (substantially worse than average)
  • Ram 3500 crew cab LWB 4WD: 24 percent (worse than average)
  • Ram 3500 crew cab SWB 4WD: -17 percent (average)
  • Ram 3500 mega cab 4WD: 56 percent (substantially worse than average)

The comprehensive losses are much worse than the collision losses. Two of the vehicle models have substantially worse than average losses, and the best losses are only rated as average. Combined with the MSRP, these losses mean you will have a higher rate for comprehensive coverage.

How much will it cost to repair my Dodge Ram 3500?

Did you know that the average repair costs of your vehicle can add hundreds of dollars to your premium? The vehicles with some of the highest insurance rates are expensive luxury cars or cars with hard to find/expensive parts. While the Dodge Ram 3500 isn’t a luxury vehicle, insurers will still look at repair costs when calculating a rate.

According to RepairPal, the average annual cost of repairs, including an oil change, is $1,279 for a Dodge Ram 3500. This is expensive, as the average for full-size trucks is only $936.

To help you understand why this cost is so high, we are going to look at Instant Estimator’s average repair costs for various parts of the 2020 Dodge Ram 3500 crew cab with level two damage.

  • Front bumper: $389
  • Rear bumper: $399
  • Hood: $411
  • Roof: $459
  • Front door: $403
  • Back door: $391
  • Fender: $363
  • Quarter panel: $411

These costs are calculated off of average rates for body labor, paint labor, painting supplies, color tint, hazardous waste disposal, and color/sand/buff. Body labor, paint labor, and painting supplies are the most expensive items on the list, while color/sand/buff usually only costs $20 to $40.

However, this is just a general list of the usual costs to repair a Dodge Ram 3500. The costs don’t include the cost of shipping replacement parts, and every shop will have different rates for repairs. The good thing about the average costs, though, is that this is what insurers will be looking at. So if the average cost of repairs is low, it will help lower the cost of your collision and comprehensive car insurance rates.

Dodge Ram 3500 Compared Against other Vehicles in the Same Class

Comparing the Dodge Ram 3500 to similar vehicles can help you save money, especially if the Dodge Ram 3500 has a better loss ratio than other cars in the same class. Officially, the Insurance Institute for Highway Safety classifies it as a very large pickup truck. 

Take a look at how the following similar very large pickup trucks in the list below compare to the Dodge Ram 3500.

As mentioned above, the comprehensive losses for the Dodge Ram 3500 are much worse than the collision losses for this pickup truck. Despite the troubling loss ratios, your car insurance rates should still remain relatively steady.

You are now an expert on securing cheap Dode Ram 3500 insurance rates. From the age of your Dodge Ram 3500 to the state you live in, you understand all of the variables that go into calculating car insurance rates.

It’s time for you to start comparing quotes for your Dodge Ram 3500. Enter your five-digit ZIP code into our FREE tool to receive affordable Dodge Ram rates. 

Rates by Driver Age

Dodge Ram 3500 Insurance Rates by Driver Age
Driver Age Premium
16 $5,586
20 $3,256
30 $1,460
40 $1,428
50 $1,304
60 $1,278

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram 3500 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,704
$250 $1,576
$500 $1,428
$1,000 $1,282

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram 3500 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,428
50/100 $1,784
100/300 $1,962
250/500 $2,423
100 CSL $1,855
300 CSL $2,246
500 CSL $2,530

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram 3500 Insurance Rates for High Risk Drivers
Age Premium
16 $7,904
20 $5,188
30 $3,106
40 $3,068
50 $2,932
60 $2,898

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 $193

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $74
Multi-vehicle $76
Homeowner $24
5-yr Accident Free $92
5-yr Claim Free $90
Paid in Full/EFT $56
Advance Quote $65
Online Quote $98
Total Discounts $575
Rate after discounts $853

Discounts are estimated and may not be available from every company or in every state.

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