RAM 3500 Insurance Cost

Auto insurance for a RAM 3500 will cost about $1,989 per year.

This beats the national average for popular heavy-duty models by $236. 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

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RAM 3500 Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $6,739 $9,895 $11,576
18 $6,280 $9,222 $10,788
19 $5,550 $8,150 $9,534
20 $4,839 $7,106 $8,313
21 $4,058 $5,959 $6,971
22 $3,952 $5,804 $6,789
23 $3,458 $5,078 $5,941
24 $3,285 $4,824 $5,644
25 $2,835 $4,163 $4,870
30 $2,209 $3,243 $3,794
35 $2,069 $3,038 $3,554
40 $1,989 $2,921 $3,418
45 $1,936 $2,843 $3,326
55 $1,775 $2,607 $3,050
65 $1,852 $2,719 $3,181
75 $2,338 $3,432 $4,016

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 $2,108 $3,062 $3,897
Alaska $1,744 $2,417 $2,349
Arizona $1,971 $2,850 $4,198
Arkansas $2,161 $3,396 $3,739
California $2,406 $4,255 $2,406
Colorado $2,245 $3,142 $3,987
Connecticut $2,869 $4,449 $5,648
Delaware $2,375 $3,165 $4,065
Florida $2,828 $3,912 $5,098
Hawaii $921 $1,250 $921
Idaho $1,600 $2,121 $2,578
Illinois $1,675 $2,531 $2,886
Indiana $1,720 $2,630 $2,951
Iowa $1,363 $1,869 $2,198
Kansas $1,813 $2,638 $3,085
Kentucky $2,621 $3,847 $4,543
Louisiana $3,364 $5,086 $5,514
Maine $1,272 $1,759 $2,596
Maryland $2,059 $2,996 $3,328
Massachusetts $1,651 $2,880 $1,651
Michigan $3,984 $6,071 $9,576
Minnesota $1,640 $2,187 $3,079
Mississippi $1,980 $2,824 $2,842
Missouri $1,865 $2,667 $3,504
Montana $1,897 $2,646 $3,080
Nebraska $1,603 $2,371 $2,576
Nevada $2,645 $3,923 $4,144
New Hampshire $1,840 $2,909 $3,677
New Jersey $2,027 $3,180 $4,161
New Mexico $2,070 $3,079 $3,196
New York $1,917 $2,414 $4,030
North Carolina $1,188 $2,042 $1,456
North Dakota $1,626 $2,472 $2,923
Ohio $1,450 $2,237 $2,293
Oklahoma $2,316 $3,316 $3,733
Oregon $2,107 $2,827 $3,377
Pennsylvania $1,775 $2,606 $3,049
Rhode Island $2,963 $4,347 $4,895
South Carolina $2,012 $2,789 $3,850
South Dakota $1,806 $2,602 $3,002
Tennessee $2,123 $3,126 $4,163
Texas $2,139 $3,089 $3,843
Utah $1,819 $2,549 $3,508
Vermont $1,400 $2,157 $2,279
Virginia $1,319 $2,025 $1,985
Washington $1,746 $2,370 $2,830
West Virginia $1,757 $2,516 $3,153
Wisconsin $1,752 $2,735 $3,119
Wyoming $1,635 $2,289 $2,438
Georgia $2,305 $3,447 $3,476

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: