RAM 4500 Insurance Cost

Auto insurance for a RAM 4500 will cost about $1,847 per year.

This beats the national average for popular heavy-duty models by $47. 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 4500.

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

RAM 4500 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 4500 Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $6,257 $9,187 $10,748
18 $5,831 $8,562 $10,016
19 $5,153 $7,566 $8,852
20 $4,493 $6,597 $7,718
21 $3,768 $5,533 $6,472
22 $3,670 $5,388 $6,304
23 $3,211 $4,715 $5,516
24 $3,050 $4,479 $5,240
25 $2,632 $3,865 $4,522
30 $2,051 $3,011 $3,523
35 $1,921 $2,820 $3,299
40 $1,847 $2,712 $3,173
45 $1,797 $2,639 $3,088
55 $1,648 $2,421 $2,832
65 $1,719 $2,525 $2,954
75 $2,170 $3,187 $3,728

RAM 4500 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 4500 by state.

RAM 4500 Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $1,957 $2,842 $3,618
Alaska $1,619 $2,244 $2,181
Arizona $1,830 $2,646 $3,898
Arkansas $2,006 $3,153 $3,471
California $2,234 $3,951 $2,234
Colorado $2,085 $2,918 $3,702
Connecticut $2,663 $4,131 $5,243
Delaware $2,205 $2,939 $3,774
Florida $2,625 $3,632 $4,733
Georgia $2,140 $3,201 $3,227
Hawaii $855 $1,161 $855
Idaho $1,485 $1,969 $2,394
Illinois $1,555 $2,350 $2,680
Indiana $1,597 $2,442 $2,740
Iowa $1,265 $1,735 $2,040
Kansas $1,683 $2,449 $2,864
Kentucky $2,433 $3,572 $4,218
Louisiana $3,124 $4,722 $5,120
Maine $1,181 $1,633 $2,411
Maryland $1,911 $2,782 $3,090
Massachusetts $1,533 $2,674 $1,533
Michigan $3,699 $5,637 $8,891
Minnesota $1,523 $2,030 $2,859
Mississippi $1,838 $2,622 $2,639
Missouri $1,732 $2,476 $3,253
Montana $1,761 $2,457 $2,860
Nebraska $1,489 $2,201 $2,392
Nevada $2,455 $3,642 $3,847
New Hampshire $1,708 $2,701 $3,414
New Jersey $1,882 $2,952 $3,863
New Mexico $1,922 $2,858 $2,967
New York $1,780 $2,241 $3,741
North Carolina $1,103 $1,896 $1,352
North Dakota $1,510 $2,295 $2,714
Ohio $1,346 $2,077 $2,129
Oklahoma $2,150 $3,078 $3,466
Oregon $1,956 $2,625 $3,135
Pennsylvania $1,648 $2,420 $2,831
Rhode Island $2,751 $4,036 $4,545
South Carolina $1,868 $2,589 $3,574
South Dakota $1,676 $2,416 $2,787
Tennessee $1,972 $2,902 $3,865
Texas $1,986 $2,868 $3,568
Utah $1,689 $2,367 $3,257
Vermont $1,300 $2,002 $2,116
Virginia $1,225 $1,880 $1,843
Washington $1,621 $2,201 $2,628
West Virginia $1,631 $2,336 $2,927
Wisconsin $1,626 $2,539 $2,896
Wyoming $1,518 $2,126 $2,263

RAM 4500 Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the RAM 4500 ranks for Insurance compared to other vehicles. Also check out how the 4500 stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings

Other RAM 4500 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 4500 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: