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 $1,380 a year including full coverage. Comprehensive costs around $242 a year, collision insurance costs $346, and liability costs $592. A liability-only policy costs as little as $652 a year, and high-risk insurance costs around $2,970. 16-year-old drivers receive the highest rates at up to $5,454 a year.
Average premium for full coverage: $1,380
Rate estimates for individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Ram 3500 trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from the low end price of $652 for your basic liability-only policy to a high of $2,970 for a high-risk insurance policy.
Price Range by Location
Your location can make a big difference on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates how location impacts auto insurance rates.
These examples highlight why it is important to compare rates for a specific zip code, 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.
More Rate Information
The chart below breaks down average Dodge Ram 3500 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $827
- Drivers who choose higher $1,000 deductibles will pay about $1,246 every year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,380
- Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,636
- Drivers with multiple tickets or accidents could pay at least $2,970
- The cost that insures a 16-year-old driver can be $5,454 a year
Insurance rates for a Dodge Ram 3500 can also vary considerably based on the trim level of your Ram 3500, your driving record and age, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are likely paying at least $1,600 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can cost from 42% to 129% more than the average rate. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay as much as $5,400 a year. View Rates by Age
Where you live makes a big difference in Dodge Ram 3500 insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,970 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,248 | -$132 | -9.6% |
| Alaska | $1,058 | -$322 | -23.3% |
| Arizona | $1,144 | -$236 | -17.1% |
| Arkansas | $1,380 | -$0 | 0.0% |
| California | $1,570 | $190 | 13.8% |
| Colorado | $1,316 | -$64 | -4.6% |
| Connecticut | $1,418 | $38 | 2.8% |
| Delaware | $1,560 | $180 | 13.0% |
| Florida | $1,724 | $344 | 24.9% |
| Georgia | $1,272 | -$108 | -7.8% |
| Hawaii | $988 | -$392 | -28.4% |
| Idaho | $934 | -$446 | -32.3% |
| Illinois | $1,026 | -$354 | -25.7% |
| Indiana | $1,040 | -$340 | -24.6% |
| Iowa | $934 | -$446 | -32.3% |
| Kansas | $1,308 | -$72 | -5.2% |
| Kentucky | $1,880 | $500 | 36.2% |
| Louisiana | $2,042 | $662 | 48.0% |
| Maine | $852 | -$528 | -38.3% |
| Maryland | $1,138 | -$242 | -17.5% |
| Massachusetts | $1,100 | -$280 | -20.3% |
| Michigan | $2,396 | $1,016 | 73.6% |
| Minnesota | $1,156 | -$224 | -16.2% |
| Mississippi | $1,650 | $270 | 19.6% |
| Missouri | $1,224 | -$156 | -11.3% |
| Montana | $1,482 | $102 | 7.4% |
| Nebraska | $1,086 | -$294 | -21.3% |
| Nevada | $1,656 | $276 | 20.0% |
| New Hampshire | $992 | -$388 | -28.1% |
| New Jersey | $1,542 | $162 | 11.7% |
| New Mexico | $1,220 | -$160 | -11.6% |
| New York | $1,450 | $70 | 5.1% |
| North Carolina | $794 | -$586 | -42.5% |
| North Dakota | $1,130 | -$250 | -18.1% |
| Ohio | $954 | -$426 | -30.9% |
| Oklahoma | $1,416 | $36 | 2.6% |
| Oregon | $1,264 | -$116 | -8.4% |
| Pennsylvania | $1,316 | -$64 | -4.6% |
| Rhode Island | $1,840 | $460 | 33.3% |
| South Carolina | $1,250 | -$130 | -9.4% |
| South Dakota | $1,162 | -$218 | -15.8% |
| Tennessee | $1,208 | -$172 | -12.5% |
| Texas | $1,662 | $282 | 20.4% |
| Utah | $1,022 | -$358 | -25.9% |
| Vermont | $942 | -$438 | -31.7% |
| Virginia | $826 | -$554 | -40.1% |
| Washington | $1,066 | -$314 | -22.8% |
| West Virginia | $1,264 | -$116 | -8.4% |
| Wisconsin | $956 | -$424 | -30.7% |
| Wyoming | $1,228 | -$152 | -11.0% |
Opting for high physical damage deductibles could save up to $390 annually, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $639 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 | $1,086 | $91 |
| Dodge Ram 3500 Crew Cab ST 2WD | $1,182 | $99 |
| Dodge Ram 3500 Crew Cab ST 4WD | $1,544 | $129 |
| Dodge Ram 3500 Crew Cab SLT 2WD | $1,204 | $100 |
| Dodge Ram 3500 Crew Cab Laramie 4WD | $1,568 | $131 |
| Dodge Ram 3500 Crew Cab SLT 4WD | $1,568 | $131 |
| Dodge Ram 3500 Mega Cab SLT 2WD | $1,204 | $100 |
| Dodge Ram 3500 Mega Cab SLT 4WD | $1,568 | $131 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $1,228 | $102 |
| Dodge Ram 3500 Mega Cab Laramie 2WD | $1,228 | $102 |
| Dodge Ram 3500 Mega Cab Laramie 4WD | $1,592 | $133 |
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 | $418 | $688 | $466 | $1,772 |
| 2023 Dodge Ram 3500 | $398 | $660 | $488 | $1,746 |
| 2022 Dodge Ram 3500 | $382 | $656 | $498 | $1,736 |
| 2021 Dodge Ram 3500 | $368 | $640 | $520 | $1,728 |
| 2020 Dodge Ram 3500 | $356 | $612 | $536 | $1,704 |
| 2019 Dodge Ram 3500 | $336 | $592 | $554 | $1,682 |
| 2018 Dodge Ram 3500 | $324 | $548 | $564 | $1,636 |
| 2017 Dodge Ram 3500 | $310 | $516 | $570 | $1,596 |
| 2016 Dodge Ram 3500 | $298 | $464 | $574 | $1,536 |
| 2015 Dodge Ram 3500 | $278 | $426 | $574 | $1,478 |
| 2014 Dodge Ram 3500 | $268 | $400 | $580 | $1,448 |
| 2013 Dodge Ram 3500 | $262 | $374 | $592 | $1,428 |
| 2012 Dodge Ram 3500 | $242 | $346 | $592 | $1,380 |
| 2011 Dodge Ram 3500 | $236 | $314 | $596 | $1,346 |
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 Best Dodge Ram 3500 Insurance
Saving money on insurance for a Dodge Ram 3500 not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Comparison shop at least every other year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The points below are a brief recap of the car insurance concepts touched on above.
- Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,590 more every year to insure a Dodge Ram 3500
- You may be able to save up to $160 per year just by quoting early and online
- Increasing deductibles can save approximately $400 each year
- Insureds who may need increased liability limits will pay around $650 per year to go from a minimum limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,454 |
| 20 | $3,156 |
| 30 | $1,408 |
| 40 | $1,380 |
| 50 | $1,264 |
| 60 | $1,238 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,636 |
| $250 | $1,520 |
| $500 | $1,380 |
| $1,000 | $1,246 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,380 |
| 50/100 | $1,734 |
| 100/300 | $1,912 |
| 250/500 | $2,373 |
| 100 CSL | $1,805 |
| 300 CSL | $2,196 |
| 500 CSL | $2,480 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,708 |
| 20 | $5,028 |
| 30 | $3,004 |
| 40 | $2,970 |
| 50 | $2,840 |
| 60 | $2,808 |
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 | $71 |
| Multi-vehicle | $74 |
| Homeowner | $24 |
| 5-yr Accident Free | $88 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $53 |
| Advance Quote | $62 |
| Online Quote | $94 |
| Total Discounts | $553 |
Discounts are estimated and may not be available from every company or in every state.
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