RAM 4500 Insurance Cost

Auto insurance for a RAM 4500 will cost about $1,767 per year.

This beats the national average for popular heavy-duty models by $20. 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 $5,987 $8,791 $10,284
18 $5,579 $8,192 $9,584
19 $4,931 $7,240 $8,470
20 $4,299 $6,313 $7,385
21 $3,605 $5,294 $6,193
22 $3,511 $5,156 $6,032
23 $3,072 $4,511 $5,278
24 $2,919 $4,286 $5,014
25 $2,519 $3,699 $4,327
30 $1,962 $2,881 $3,371
35 $1,838 $2,699 $3,157
40 $1,767 $2,595 $3,036
45 $1,720 $2,525 $2,954
55 $1,577 $2,316 $2,710
65 $1,645 $2,416 $2,826
75 $2,077 $3,049 $3,567

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 $1,873 $2,720 $3,462
Alaska $1,549 $2,147 $2,087
Arizona $1,751 $2,532 $3,730
Arkansas $1,920 $3,017 $3,321
California $2,138 $3,780 $2,138
Colorado $1,995 $2,792 $3,542
Connecticut $2,549 $3,953 $5,017
Delaware $2,110 $2,812 $3,612
Florida $2,512 $3,475 $4,529
Georgia $2,048 $3,063 $3,088
Hawaii $818 $1,111 $818
Idaho $1,421 $1,884 $2,291
Illinois $1,488 $2,249 $2,564
Indiana $1,528 $2,337 $2,622
Iowa $1,211 $1,660 $1,952
Kansas $1,611 $2,343 $2,741
Kentucky $2,328 $3,418 $4,036
Louisiana $2,989 $4,518 $4,899
Maine $1,130 $1,562 $2,307
Maryland $1,829 $2,662 $2,957
Massachusetts $1,467 $2,559 $1,467
Michigan $3,540 $5,394 $8,508
Minnesota $1,457 $1,943 $2,736
Mississippi $1,759 $2,509 $2,525
Missouri $1,657 $2,369 $3,113
Montana $1,685 $2,351 $2,737
Nebraska $1,424 $2,106 $2,288
Nevada $2,349 $3,485 $3,681
New Hampshire $1,634 $2,584 $3,267
New Jersey $1,801 $2,825 $3,697
New Mexico $1,839 $2,735 $2,839
New York $1,703 $2,145 $3,580
North Carolina $1,056 $1,814 $1,294
North Dakota $1,445 $2,196 $2,597
Ohio $1,288 $1,987 $2,037
Oklahoma $2,057 $2,946 $3,317
Oregon $1,872 $2,512 $3,000
Pennsylvania $1,577 $2,315 $2,709
Rhode Island $2,633 $3,862 $4,349
South Carolina $1,788 $2,478 $3,420
South Dakota $1,604 $2,311 $2,667
Tennessee $1,886 $2,777 $3,698
Texas $1,900 $2,745 $3,414
Utah $1,616 $2,265 $3,116
Vermont $1,244 $1,916 $2,025
Virginia $1,172 $1,799 $1,764
Washington $1,551 $2,106 $2,514
West Virginia $1,561 $2,235 $2,801
Wisconsin $1,556 $2,429 $2,771
Wyoming $1,453 $2,034 $2,166

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: