RAM 3500 Insurance Cost

Auto insurance for a RAM 3500 will cost about $1,916 per year.

This beats the national average for popular heavy-duty models by $151. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a RAM 3500. Visit our Competitive Quote Tool to see if you can find lower rates for a 3500.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

These RAM 3500 insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

RAM 3500 insurance Cost

Age Good Driver Recent Accident Poor Credit
17 $6,489 $9,666 $11,426
18 $6,048 $9,008 $10,648
19 $5,345 $7,960 $9,410
20 $4,660 $6,941 $8,205
21 $3,908 $5,821 $6,881
22 $3,806 $5,669 $6,701
23 $3,330 $4,960 $5,863
24 $3,164 $4,712 $5,570
25 $2,730 $4,067 $4,807
30 $2,127 $3,168 $3,745
35 $1,992 $2,967 $3,507
40 $1,916 $2,854 $3,373
45 $1,864 $2,777 $3,282
55 $1,710 $2,547 $3,010
65 $1,783 $2,656 $3,140
75 $2,251 $3,353 $3,963

RAM 3500 car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect RAM 3500 by state.

RAM 3500 Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $2,030 $2,843 $3,559
Alaska $1,679 $2,445 $2,562
Arizona $1,898 $2,945 $4,198
Arkansas $2,081 $3,152 $3,526
California $2,317 $4,053 $2,317
Colorado $2,162 $2,993 $3,734
Connecticut $2,762 $4,271 $5,471
Delaware $2,287 $3,149 $4,180
Florida $2,723 $3,699 $4,822
Georgia $2,220 $3,422 $3,511
Hawaii $887 $1,224 $887
Idaho $1,541 $2,074 $2,581
Illinois $1,613 $2,384 $2,764
Indiana $1,657 $2,589 $3,021
Iowa $1,312 $1,968 $2,294
Kansas $1,746 $2,570 $3,045
Kentucky $2,524 $3,796 $4,465
Louisiana $3,240 $4,952 $5,331
Maine $1,225 $1,643 $2,398
Maryland $1,983 $2,907 $3,433
Massachusetts $1,590 $2,689 $1,590
Michigan $3,837 $5,768 $8,869
Minnesota $1,579 $2,122 $3,140
Mississippi $1,907 $2,880 $3,042
Missouri $1,796 $2,474 $3,200
Montana $1,826 $2,858 $3,152
Nebraska $1,544 $2,186 $2,486
Nevada $2,547 $3,844 $4,217
New Hampshire $1,771 $2,855 $3,636
New Jersey $1,952 $3,077 $3,969
New Mexico $1,993 $2,868 $3,221
New York $1,846 $2,404 $3,881
North Carolina $1,144 $1,848 $1,424
North Dakota $1,566 $2,411 $3,060
Ohio $1,396 $2,284 $2,366
Oklahoma $2,230 $3,348 $3,798
Oregon $2,029 $3,065 $3,516
Pennsylvania $1,709 $2,585 $2,966
Rhode Island $2,854 $4,379 $5,008
South Carolina $1,938 $2,805 $4,002
South Dakota $1,739 $2,392 $2,870
Tennessee $2,045 $3,059 $3,859
Texas $2,059 $3,031 $3,805
Utah $1,752 $2,533 $3,494
Vermont $1,348 $2,156 $2,357
Virginia $1,270 $1,913 $2,032
Washington $1,682 $2,526 $2,979
West Virginia $1,692 $2,464 $3,043
Wisconsin $1,687 $2,463 $2,991
Wyoming $1,575 $2,314 $2,587

Other Important Costs of Owning a RAM 3500

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on RAM 3500 depreciation, maintenance and financing. These will provide you with even more knowledge before making such an important financial decision.

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