Dodge Ram 3500 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 3, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated insurance rates for a Dodge Ram 3500 are $1,346 a year including full coverage. Comprehensive costs approximately $236, collision insurance costs $314, and liability insurance is $596. A liability-only policy costs around $656 a year, and high-risk insurance costs around $2,894. 16-year-old drivers pay the most at up to $5,346 a year.
Average premium for full coverage: $1,346
Premium estimates by type of coverage:
Prices include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all Ram 3500 models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Dodge Ram 3500 range from the low end price of $656 for just liability insurance to the much higher price of $2,894 for a policy for a high-risk driver.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates how rural and urban location affects auto insurance prices.
These rate differences highlight why everyone should compare rates quotes using their specific location, rather than relying 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 Details
The chart below breaks down average Dodge Ram 3500 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $811
- Raising to $1,000 deductibles will save $124 every year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,346
- Buying pricier low deductibles bumps up the cost to $1,586
- Higher-risk drivers with multiple tickets or accidents could pay around $2,894
- An auto insurance policy that insures a teen driver for full coverage can cost $5,346
Auto insurance prices for a Dodge Ram 3500 also have a wide range based on the model of your Ram 3500, your driving record and age, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are likely paying anywhere from $1,600 to $2,200 in extra premium annually, depending on your age. Dodge Ram 3500 insurance for high-risk drivers is expensive and can cost anywhere from 41% to 133% more than the average rate. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $5,300 a year. View Rates by Age
Where you choose to live also has a big influence on Dodge Ram 3500 insurance rates. A middle-age driver might find prices as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,920 on average in Louisiana, New York, 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 can reduce prices by up to $370 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $645 extra every 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 Right Dodge Ram 3500 Insurance
Finding better rates on Dodge Ram 3500 insurance consists of being a good driver, maintaining a good credit score, refrain from filing small claims, and possibly higher deductibles. Comparison shop every year by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.
The following list is a quick rundown of the coverage data raised in the charts and tables above.
- You may be able to save around $150 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $375 each year
- Drivers age 16 to 20 have the highest car insurance prices, with the cost nearing $446 per month if the policy includes full coverage
- High-risk drivers with reckless driving or DUI convictions will likely pay on average $1,550 more per year than a safer driver
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
