RAM 4500 Insurance Cost

Auto insurance for a RAM 4500 will cost about $2,198 per year.

This beats the national average for popular heavy-duty models by $27. 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

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RAM 4500 Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $7,444 $10,930 $12,787
18 $6,937 $10,186 $11,917
19 $6,131 $9,002 $10,531
20 $5,346 $7,849 $9,183
21 $4,483 $6,583 $7,701
22 $4,366 $6,411 $7,500
23 $3,820 $5,609 $6,562
24 $3,629 $5,329 $6,234
25 $3,132 $4,599 $5,380
30 $2,440 $3,582 $4,191
35 $2,285 $3,355 $3,925
40 $2,198 $3,227 $3,775
45 $2,138 $3,140 $3,673
55 $1,961 $2,880 $3,369
65 $2,046 $3,004 $3,514
75 $2,582 $3,791 $4,436

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 $2,328 $3,382 $4,305
Alaska $1,926 $2,670 $2,595
Arizona $2,177 $3,148 $4,637
Arkansas $2,387 $3,751 $4,130
California $2,658 $4,700 $2,658
Colorado $2,480 $3,471 $4,404
Connecticut $3,169 $4,915 $6,238
Delaware $2,623 $3,496 $4,491
Florida $3,124 $4,321 $5,631
Hawaii $1,017 $1,381 $1,017
Idaho $1,767 $2,343 $2,848
Illinois $1,850 $2,796 $3,188
Indiana $1,900 $2,905 $3,260
Iowa $1,505 $2,064 $2,427
Kansas $2,003 $2,914 $3,408
Kentucky $2,895 $4,250 $5,018
Louisiana $3,716 $5,618 $6,091
Maine $1,405 $1,943 $2,868
Maryland $2,274 $3,310 $3,676
Massachusetts $1,824 $3,181 $1,824
Michigan $4,401 $6,706 $10,578
Minnesota $1,812 $2,416 $3,401
Mississippi $2,187 $3,119 $3,140
Missouri $2,061 $2,946 $3,870
Montana $2,095 $2,923 $3,403
Nebraska $1,771 $2,619 $2,845
Nevada $2,921 $4,333 $4,577
New Hampshire $2,032 $3,213 $4,062
New Jersey $2,239 $3,512 $4,596
New Mexico $2,286 $3,401 $3,530
New York $2,118 $2,667 $4,451
North Carolina $1,313 $2,255 $1,608
North Dakota $1,796 $2,730 $3,229
Ohio $1,602 $2,471 $2,533
Oklahoma $2,558 $3,662 $4,124
Oregon $2,328 $3,123 $3,730
Pennsylvania $1,961 $2,879 $3,368
Rhode Island $3,273 $4,802 $5,407
South Carolina $2,223 $3,081 $4,252
South Dakota $1,994 $2,874 $3,316
Tennessee $2,346 $3,453 $4,598
Texas $2,362 $3,413 $4,245
Utah $2,009 $2,816 $3,875
Vermont $1,547 $2,382 $2,518
Virginia $1,457 $2,237 $2,193
Washington $1,929 $2,618 $3,126
West Virginia $1,941 $2,779 $3,482
Wisconsin $1,935 $3,021 $3,445
Wyoming $1,806 $2,529 $2,693
Georgia $2,546 $3,808 $3,839

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: