RAM 3500 Insurance Cost

Auto insurance for a RAM 3500 will cost about $1,822 per year.

This beats the national average for popular heavy-duty models by $72. 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. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

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.

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

RAM 3500 insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

RAM 3500 Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $6,172 $9,063 $10,603
18 $5,752 $8,446 $9,881
19 $5,083 $7,464 $8,732
20 $4,432 $6,509 $7,614
21 $3,717 $5,458 $6,385
22 $3,620 $5,316 $6,219
23 $3,167 $4,651 $5,441
24 $3,009 $4,419 $5,169
25 $2,597 $3,813 $4,461
30 $2,023 $2,970 $3,475
35 $1,895 $2,782 $3,255
40 $1,822 $2,676 $3,130
45 $1,773 $2,604 $3,046
55 $1,626 $2,388 $2,794
65 $1,696 $2,491 $2,914
75 $2,141 $3,144 $3,678

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 $1,931 $2,804 $3,569
Alaska $1,597 $2,214 $2,152
Arizona $1,805 $2,610 $3,845
Arkansas $1,979 $3,110 $3,424
California $2,204 $3,897 $2,204
Colorado $2,057 $2,878 $3,652
Connecticut $2,628 $4,075 $5,173
Delaware $2,175 $2,899 $3,723
Florida $2,590 $3,583 $4,669
Georgia $2,111 $3,157 $3,184
Hawaii $843 $1,145 $843
Idaho $1,465 $1,943 $2,362
Illinois $1,534 $2,318 $2,643
Indiana $1,576 $2,409 $2,703
Iowa $1,248 $1,712 $2,013
Kansas $1,661 $2,416 $2,826
Kentucky $2,400 $3,524 $4,161
Louisiana $3,082 $4,658 $5,051
Maine $1,165 $1,611 $2,378
Maryland $1,886 $2,745 $3,048
Massachusetts $1,512 $2,638 $1,512
Michigan $3,649 $5,561 $8,771
Minnesota $1,502 $2,003 $2,820
Mississippi $1,813 $2,586 $2,603
Missouri $1,709 $2,443 $3,209
Montana $1,737 $2,424 $2,821
Nebraska $1,468 $2,172 $2,359
Nevada $2,422 $3,593 $3,795
New Hampshire $1,685 $2,664 $3,368
New Jersey $1,856 $2,912 $3,811
New Mexico $1,896 $2,820 $2,927
New York $1,756 $2,211 $3,691
North Carolina $1,089 $1,870 $1,334
North Dakota $1,490 $2,264 $2,677
Ohio $1,328 $2,049 $2,100
Oklahoma $2,121 $3,037 $3,419
Oregon $1,930 $2,590 $3,093
Pennsylvania $1,626 $2,387 $2,793
Rhode Island $2,714 $3,981 $4,483
South Carolina $1,843 $2,555 $3,526
South Dakota $1,654 $2,383 $2,750
Tennessee $1,945 $2,863 $3,813
Texas $1,959 $2,830 $3,520
Utah $1,666 $2,335 $3,213
Vermont $1,283 $1,975 $2,088
Virginia $1,208 $1,855 $1,818
Washington $1,599 $2,171 $2,592
West Virginia $1,609 $2,305 $2,888
Wisconsin $1,604 $2,505 $2,857
Wyoming $1,498 $2,097 $2,233

RAM 3500 Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the RAM 3500 ranks for Insurance compared to other vehicles. Also check out how the 3500 stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings

Other RAM 3500 Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major RAM 3500 costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses: