Dodge Ram 3500 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 3, 2024
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Estimated insurance rates for a Dodge Ram 3500 are $1,346 a year including full coverage. Comprehensive costs on average $236 a year, collision insurance costs $314, and liability is estimated at $596. A liability-only policy costs approximately $656 a year, and high-risk insurance costs around $2,894. Teens pay the most at up to $5,346 a year.
Average premium for full coverage: $1,346
Premium estimates by type of coverage:
Prices are based on $500 deductible amounts, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Ram 3500 trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Dodge Ram 3500 range from as low as $656 for the bare minimum liability coverage to a high of $2,894 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location impacts car insurance rates.
These rate differences highlight why it is important to get quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.
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.
Additional Rate Information
The chart below breaks down average Dodge Ram 3500 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $811
- Choosing higher $1,000 deductibles can save around $1,222 every year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,346
- Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,586
- Higher-risk drivers with serious driving violations could pay upwards of $2,894
- An auto insurance policy for full coverage for a 16-year-old driver may cost $5,346 each year
Auto insurance prices for a Dodge Ram 3500 also have a wide range based on your driving characteristics, the model of your Ram 3500, and policy deductibles and limits.
Older drivers with a good driving record and high deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $5,300 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Dodge Ram 3500 insurance prices. A good driver about age 40 could pay as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,920 on average in Michigan, New York, and Louisiana.
| 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 higher comprehensive and collision insurance deductibles can save as much as $370 annually, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $645 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges from 41% to 133% more than the average policy. 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 Affordable Dodge Ram 3500 Insurance
Finding better rates on insurance for a Dodge Ram 3500 takes having a good driving record, having good credit, refrain from filing small claims, and deciding if full coverage is necessary. Spend time shopping around every year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The next list is a brief review of the coverage data touched on above.
- You may be able to save as much as $150 per year just by quoting early and online
- Increasing policy deductibles can save around $375 each year
- Drivers age 20 and younger are charged the highest prices, with the cost nearing $446 per month if they have full coverage
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,550 more each year to buy Dodge Ram 3500 insurance
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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