RAM 3500 Insurance Cost

Auto insurance for a RAM 3500 will cost about $1,744 per year.

This beats the national average for popular heavy-duty models by $43. 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 $5,906 $8,672 $10,145
18 $5,504 $8,082 $9,454
19 $4,864 $7,142 $8,355
20 $4,241 $6,228 $7,285
21 $3,557 $5,222 $6,110
22 $3,464 $5,086 $5,950
23 $3,031 $4,450 $5,206
24 $2,879 $4,228 $4,946
25 $2,485 $3,649 $4,268
30 $1,936 $2,842 $3,325
35 $1,813 $2,662 $3,114
40 $1,744 $2,560 $2,995
45 $1,697 $2,491 $2,914
55 $1,556 $2,285 $2,673
65 $1,623 $2,383 $2,788
75 $2,049 $3,008 $3,519

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 $1,847 $2,683 $3,415
Alaska $1,528 $2,118 $2,059
Arizona $1,727 $2,497 $3,679
Arkansas $1,894 $2,976 $3,276
California $2,109 $3,729 $2,109
Colorado $1,968 $2,754 $3,494
Connecticut $2,514 $3,899 $4,949
Delaware $2,081 $2,774 $3,563
Florida $2,478 $3,428 $4,468
Georgia $2,020 $3,021 $3,046
Hawaii $807 $1,096 $807
Idaho $1,402 $1,859 $2,260
Illinois $1,468 $2,218 $2,529
Indiana $1,508 $2,305 $2,587
Iowa $1,194 $1,638 $1,926
Kansas $1,589 $2,312 $2,704
Kentucky $2,297 $3,372 $3,982
Louisiana $2,949 $4,457 $4,833
Maine $1,115 $1,541 $2,275
Maryland $1,804 $2,626 $2,917
Massachusetts $1,447 $2,524 $1,447
Michigan $3,492 $5,321 $8,393
Minnesota $1,437 $1,916 $2,699
Mississippi $1,735 $2,475 $2,491
Missouri $1,635 $2,337 $3,071
Montana $1,662 $2,319 $2,700
Nebraska $1,405 $2,078 $2,257
Nevada $2,318 $3,438 $3,631
New Hampshire $1,612 $2,549 $3,223
New Jersey $1,776 $2,787 $3,647
New Mexico $1,814 $2,698 $2,801
New York $1,680 $2,116 $3,532
North Carolina $1,042 $1,789 $1,276
North Dakota $1,425 $2,166 $2,562
Ohio $1,271 $1,960 $2,010
Oklahoma $2,029 $2,906 $3,272
Oregon $1,847 $2,478 $2,960
Pennsylvania $1,556 $2,284 $2,672
Rhode Island $2,597 $3,810 $4,290
South Carolina $1,764 $2,444 $3,374
South Dakota $1,582 $2,280 $2,631
Tennessee $1,861 $2,740 $3,648
Texas $1,874 $2,708 $3,368
Utah $1,594 $2,234 $3,074
Vermont $1,227 $1,890 $1,998
Virginia $1,156 $1,775 $1,740
Washington $1,530 $2,077 $2,480
West Virginia $1,540 $2,205 $2,763
Wisconsin $1,535 $2,396 $2,733
Wyoming $1,433 $2,006 $2,137

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: