RAM 5500 Insurance Cost

Auto insurance for a RAM 5500 will cost about $2,839 per year.

This is more than the national average for popular heavy-duty models by $614. 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 5500.

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

RAM 5500 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 5500 Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $9,616 $14,120 $16,518
18 $8,961 $13,159 $15,394
19 $7,919 $11,629 $13,604
20 $6,905 $10,140 $11,862
21 $5,791 $8,503 $9,948
22 $5,640 $8,281 $9,688
23 $4,935 $7,246 $8,477
24 $4,688 $6,884 $8,053
25 $4,046 $5,941 $6,950
30 $3,152 $4,628 $5,414
35 $2,952 $4,334 $5,071
40 $2,839 $4,169 $4,877
45 $2,762 $4,056 $4,745
55 $2,533 $3,720 $4,352
65 $2,643 $3,880 $4,540
75 $3,336 $4,898 $5,730

RAM 5500 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 5500 by state.

RAM 5500 Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $3,008 $4,369 $5,561
Alaska $2,488 $3,449 $3,352
Arizona $2,813 $4,066 $5,990
Arkansas $3,084 $4,845 $5,335
California $3,433 $6,072 $3,433
Colorado $3,204 $4,484 $5,689
Connecticut $4,093 $6,349 $8,059
Delaware $3,389 $4,516 $5,801
Florida $4,035 $5,582 $7,274
Georgia $3,290 $4,919 $4,960
Hawaii $1,314 $1,784 $1,314
Idaho $2,283 $3,026 $3,679
Illinois $2,390 $3,612 $4,118
Indiana $2,455 $3,753 $4,212
Iowa $1,945 $2,667 $3,136
Kansas $2,587 $3,764 $4,402
Kentucky $3,740 $5,490 $6,483
Louisiana $4,801 $7,257 $7,868
Maine $1,815 $2,509 $3,705
Maryland $2,938 $4,276 $4,749
Massachusetts $2,356 $4,110 $2,356
Michigan $5,685 $8,663 $13,665
Minnesota $2,340 $3,120 $4,394
Mississippi $2,825 $4,030 $4,056
Missouri $2,662 $3,806 $5,000
Montana $2,706 $3,776 $4,396
Nebraska $2,288 $3,383 $3,676
Nevada $3,774 $5,597 $5,913
New Hampshire $2,625 $4,151 $5,247
New Jersey $2,892 $4,537 $5,938
New Mexico $2,953 $4,393 $4,560
New York $2,736 $3,445 $5,750
North Carolina $1,696 $2,913 $2,078
North Dakota $2,321 $3,527 $4,171
Ohio $2,069 $3,192 $3,272
Oklahoma $3,304 $4,731 $5,327
Oregon $3,007 $4,034 $4,819
Pennsylvania $2,533 $3,719 $4,351
Rhode Island $4,229 $6,203 $6,985
South Carolina $2,872 $3,980 $5,493
South Dakota $2,576 $3,713 $4,284
Tennessee $3,030 $4,461 $5,940
Texas $3,052 $4,408 $5,483
Utah $2,596 $3,637 $5,005
Vermont $1,998 $3,077 $3,253
Virginia $1,882 $2,890 $2,833
Washington $2,492 $3,382 $4,038
West Virginia $2,507 $3,590 $4,499
Wisconsin $2,500 $3,902 $4,450
Wyoming $2,333 $3,267 $3,479

RAM 5500 Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the RAM 5500 ranks for Insurance compared to other vehicles. Also check out how the 5500 stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings

Other RAM 5500 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 5500 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: