RAM 4500 Insurance Cost

Auto insurance for a RAM 4500 will cost about $2,156 per year.

This is more than the national average for popular heavy-duty models by $89. 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.

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. Visit our Competitive Quote Tool to see if you can find lower rates for a 4500.

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

These RAM 4500 insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

RAM 4500 insurance Cost

Age Good Driver Recent Accident Poor Credit
17 $7,302 $10,877 $12,857
18 $6,805 $10,136 $11,982
19 $6,014 $8,958 $10,589
20 $5,244 $7,811 $9,233
21 $4,397 $6,550 $7,743
22 $4,283 $6,379 $7,541
23 $3,747 $5,582 $6,598
24 $3,560 $5,303 $6,268
25 $3,072 $4,576 $5,409
30 $2,393 $3,565 $4,214
35 $2,242 $3,339 $3,947
40 $2,156 $3,211 $3,796
45 $2,098 $3,125 $3,694
55 $1,924 $2,866 $3,387
65 $2,007 $2,989 $3,533
75 $2,533 $3,773 $4,460

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 $2,284 $3,200 $4,004
Alaska $1,889 $2,752 $2,883
Arizona $2,136 $3,313 $4,724
Arkansas $2,342 $3,547 $3,968
California $2,607 $4,560 $2,607
Colorado $2,433 $3,368 $4,202
Connecticut $3,109 $4,806 $6,156
Delaware $2,573 $3,543 $4,704
Florida $3,064 $4,162 $5,426
Georgia $2,498 $3,850 $3,950
Hawaii $998 $1,377 $998
Idaho $1,734 $2,333 $2,905
Illinois $1,815 $2,682 $3,111
Indiana $1,864 $2,913 $3,400
Iowa $1,477 $2,215 $2,581
Kansas $1,964 $2,892 $3,426
Kentucky $2,840 $4,272 $5,024
Louisiana $3,646 $5,572 $5,999
Maine $1,379 $1,849 $2,698
Maryland $2,231 $3,271 $3,863
Massachusetts $1,789 $3,026 $1,789
Michigan $4,317 $6,490 $9,980
Minnesota $1,777 $2,387 $3,534
Mississippi $2,145 $3,241 $3,423
Missouri $2,021 $2,784 $3,601
Montana $2,055 $3,216 $3,547
Nebraska $1,737 $2,459 $2,798
Nevada $2,866 $4,326 $4,745
New Hampshire $1,993 $3,213 $4,091
New Jersey $2,196 $3,463 $4,467
New Mexico $2,243 $3,227 $3,624
New York $2,077 $2,705 $4,367
North Carolina $1,288 $2,079 $1,602
North Dakota $1,762 $2,713 $3,443
Ohio $1,571 $2,570 $2,662
Oklahoma $2,509 $3,768 $4,273
Oregon $2,283 $3,449 $3,956
Pennsylvania $1,923 $2,908 $3,338
Rhode Island $3,211 $4,927 $5,636
South Carolina $2,181 $3,156 $4,503
South Dakota $1,957 $2,692 $3,230
Tennessee $2,301 $3,442 $4,343
Texas $2,317 $3,411 $4,281
Utah $1,971 $2,850 $3,931
Vermont $1,517 $2,426 $2,652
Virginia $1,429 $2,152 $2,287
Washington $1,892 $2,843 $3,352
West Virginia $1,904 $2,773 $3,424
Wisconsin $1,898 $2,771 $3,365
Wyoming $1,772 $2,604 $2,911

Other Important Costs of Owning a RAM 4500

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on RAM 4500 depreciation, maintenance and financing. These will provide you with even more knowledge before making such an important financial decision.

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